davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/18, at XXXX, I saw a posting on XXXX ( XXXX XXXX XXXXXXXX ) for sporting event tickets. The events was a hockey game, XXXX v. XXXX, that same evening at XXXX. I contacted the seller and offered {$200.00} for the pair. The seller responded in the following way : " Yes for the pair. Payment are done with XXXX. Will need your first and last name and the email you use for XXXX ''. I agreed to the sale and sent the seller my name and email. I subsequently went to my Wells Fargo ( " WF '' ) banking app ( my WF account : XXXX ) and sent {$200.00} to the seller using XXXX. The seller 's name was XXXX XXXX and his email was XXXX. After sending the funds, I contacted the seller via email to inform him that the money transfer was complete. I waited and waited for the seller to send me the event tickets via XXXX, but I never received the goods. I sent follow-up emails to the seller, but I did not get a response. I next resorted to contacting my bank, Wells Fargo. I spoke with at least five different people at WF,  including XXXX ( an escalation specialist with WF customer service ), XXXX ( customer care team ), and XXXX ( online customer care ). In short, all WF employees informed me that their hands were tied since I was the party who knowingly initiated the transaction. I complained to them about not having fraud protection in these types of circumstances despite being a loyal customer for about 30 years and the fact that I used their mobile application to complete the transaction. They indicated that they could not investigate the fraud claim further. I informed them about the misrepresentations WF appears to make as it relates to XXXX. XXXX is heavily advertised on the WF website and app, which gives the impression that it's a reliable and protected method to send and receive currency. WF didn't appear to care about my complaints. The last WF employee I spoke with said that they would create a WF case ID number for my complaint ( # XXXX ) and that the case management executive office for online banking ( XXXX ) would contact me within 24 hours to further assist me.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC (CA)

On XX/XX/2018, my sister sent me a recorded voicemail addressed to me regarding a civil complaint that was to be sent out as a court summons. The message was threatening and I was surprised as to why and how it was sent to my sister. XXXX XXXX, a local process server, left me this message with a contact number which I called immediately which is XXXX. I was told that I had a XXXX XXXX debt. At the time, I did have the mentioned debt but it was already being handled with a legitimate creditor. That day I made an inital payment via debit card of {$430.00}. For the next five months ( XXXX ), {$170.00} was automatically deducted from my card. Yesterday, I stopped future payment with the companys billing services ( XXXX  ) and also contacted my bank to stop any deductions as well. Yesterday, I got a voicemail from XXXX XXXX, a lead paralegal of the firm. Her number is XXXX. The past two days Ive tried to contact her but I only get her voicemail. There is also a possibility that they reported my refusal to pay remaining balance to credit agencies. My score suddenly dropped 5 points immediately.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I tried to apply online for an American Express XXXX Business Card and received some sort of warning that I was not eligible for the bonus or welcome offer. This was on or near XX/XX/2018. 

I then called American Express and spoke to a customer service representative. She also received the same " pop up '', but she called the " back end ''. After speaking with them, she said I was in fact eligible. I then questioned her MULTIPLE TIMES to make sure I was eligible for the offer. She said yes -- and it was added to my account manually. This phone call was recorded and the CSR 's statements should be evident.

I have now met all the requirements and I am being denied the  bonus. I specifically asked multiple times before my credit was pulled and I am still being denied. This is by online chat on XX/XX/2018.
Consumer complaint received 2018-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XX/XX/XXXX Dear Sir/Madam, I am writing today to complain of the poor service I received from my mortgage loan servicer Ocwen Loan Servicing, LLC for the past six years. It has been brought to my attention that I have been paying an interest rate of 11 % from XX/XX/XXXX-XX/XX/XXXX. I am writing to you because I am at my wits end with my lender. I applied for a modification in XX/XX/XXXX and was granted. 

Unfortunately, since XX/XX/XXXXI have been going through a financial hardship. My household has lost income from XX/XX/XXXX-XX/XX/XXXX. I am XXXX XXXX, I have been a XXXX XXXX for the past twenty years. I have been re-establishing my business for the past two years. During this time my husband was laid off from his job after working 26 years and I was out of business for two years Recently, I was denied a loan modification. My income has drastically changed for the better. I can now afford my mortgage payment with the help of a modification. 

I am most annoyed with how I have been treated. I personally feel I am a victim of a predatory loan. I appreciate any assistance you can provide in resolving this issue. 

Please feel free to contact me regarding this issue at XXXX Thank you for your time. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2018, a hard credit inquiry appeared on my XXXX XXXX account. The inquiry was noted to be through a subdivision of XXXX XXXX ( XXXX ). Some investigating revealed that this is PayPal through XXXX XXXX. 

I contacted XXXX XXXX and I was advised that there is no record of anything ( not even an application ). I was advised to contact XXXX  to dispute this. 

I contacted XXXX  and confirmed that there was indeed a hard inquiry on the date in question. XXXX  stated that they needed the date that the application was completed with XXXX XXXX  as well as permission from XXXX XXXX to remove the dispute. I contacted XXXX XXXX and was advised that there was no application but a supervisor would send a letter to XXXX  stating that there is no application and no obvious reason that there should be a hard inquiry on my record. 

This was the first week of XXXX and there has yet to be any resolution. I am reaching out to you to see if there is any way you could assist me with this matter. 

Thank you, XXXX
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BB&T CORPORATION (FL)

An unauthorized change to my bank account was made allowing money transfers from my checking account using XXXX. I called the Bank in real time ( within minutes ) and asked that the account be locked down because the charges were fraudulent, and there was an apparent hack into my Banking account, probably through the Banking App. The perp set the electronic wire transfer allowed to a yes status. I have never used a transfer service and was unsure what XXXX even was at the time. 
The Bank knew this was a hack and did not lock that paticular account down allowing a 4th XXXX Transfer to appear a couple days later. All my accounts were changed but my money was allowed to remain in the deactivated account to be paid out. Now I have to file a fraud report and wait for my money to be returned. All of this could have been stopped if the Bank had taken immediate action when I called and reported. 

My local banks staff was very helpful, but the Larger Bank knowing there had been an account breach failed in their fiduciary responsibility to protect the consumer and allowed the theft to happen. 

I have spent 2 work days cleaning up this mess, and am upset at the lack of action following my initial report.
Consumer complaint received 2018-10-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I posted a guitar selling post on XXXX about two weeks ago. A buyer who claimed himself to be XXXX XXXX emailed me on XX/XX/2018, saying that he would buy it and asked if I would take cheque. I agreed. He then emailed me a XXXX tracking number saying that this contained the check, which his secretary mistakenly wrote {$1400.00}, instead of the {$200.00} I originally asked for for my guitar. He said that this was a mistake and asked me to send the difference ( {$1200.00} ) to his mover, XXXX XXXX, who will pick up the guitar. He also told me to send this money through XXXX, which was the office money transfer service of a bunch of banks such as my bank, Bank of America. I sent out the {$1200.00} after I cashed the {$1400.00} check on Tuesday, XX/XX/2018. The next day ( XX/XX/2018 ), I found out that the check was returned. So I lost {$1200.00}. The check that XXXX XXXX sent me originally has the company name of XXXX XXXX XXXX on it. 

I would also like to complain about Bank America for the following reasons : 1. Letting people use the check money before they are cleared. On the online banking on the BoA app, there is also no place that indicated that the check was not clear. It just says that the money is available. This is misleading as it does not mention any risk involved with a returned check. 
2. Letting XXXX transfer be a lot of U.S. banks ' money transferring service and claiming that it is " secure '' is totally wrong. XXXX transfer is not secure because it does not offer any protection at all, unlike credit card frauds. Instead, BoA should hold the XXXX Transfer in place for a few days until no party create a dispute.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (NY)

My XXXX cell phone was returned XX/XX/14 as mutually agreed and cell service canceled accordingly ( signed for by employee XXXX ). Two years later this account mysteriously and erroneously entered into collections. XXXX was experiencing backhaul / vendor problems affecting cell towers in home area. I was an XXXX XXXX and needed reliable service. XXXX agreed to waive early termination fee and liability so I could switch carriers ( See XXXX, Executive Analyst, attached email ). I only recently obtained my credit report and noticed XXXX placed this into collections. XXXX apprenlty never notified there billing dept nor update the system? I have spoken to XXXX and she remains very deceptive and lies continuously. They seem to be playing some kind of game. I believe there committing a FCRA violation, just need someone to advise me on how to best proceed. Greatly appreciate your time understanding and assistance.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My file has been split now for about 3 years. Just recently they half fix it where all my accounts are showing on one. But when I apply for credit it pulls up another file. One that has fraud alert on It. The fraud alert does not even have a phone number. I have been denied credit increases because of this. Keeping my score very low. I have asked them to remove the inquiries that I didnt do. They have not. My file was part of the security breach with equifax. I have submitted police reports and filed with attorney general and FTC. but I still have a split file. I want it merged. They keep saying they only see one. But if I apply for anything it says I have a fraud alert on my file with no number. I am looking into going to an attorney because they have caused me to loose a house loan because of this mess
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I made a payment on XX/XX/XXXX online for my mortgage. Their online payment form is simple. Select a bank account FROM, select a loan TO, indicate any OVERPAYMENT, and include a MEMO. I rounded my payment up to {$1400.00}. On XX/XX/XXXX I noticed that my checking account still had funds in it. This is typical of Wells Fargo ( they take their time pulling payments - MUCH longer than others, so I have to carefully track them ). I called in to ask and spoke with XXXX - he informed me it was " user error '' and scoffed at me. I escalated it to XXXX # XXXX ( I read the entirety of this complaint to him over the phone for validity ). I filled out the form online again to submit the original MORTGAGE payment amount, and added a MEMO. The form would not allow me to add anything in the MEMO INPUT FIELD - useless and broken. The form was also broken when submitting this on XX/XX/XXXX. I want to document this issue since at this point in time. I already paid this again on XX/XX/XXXX. I've not had any financial loss from my checking account nor did my account go below the amount needed to cover anything - however I've had to carefully watch Wells Fargo and make sure they do their job correctly - and sometimes ( like today ) call them due to inexcusable errors on their end.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

I have an account with Best Buy. I recently checked my statement on line and found a charge of about {$28.00} and some change for Debt Protection Service. Since I acquired the account I never authorized to have this service. I contacted Debt Pro company and they say it was activated in 2007 and I have been paying on it since. I called Best Buy, they could not give me a straight answer on how this was added without my authorization. I am looking at getting a credit towards my Best Buy account for the amount I have been paying for this unauthorized service since 2007.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I'm writing to dispute the unauthorized rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is considered determine to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers,
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2018, My wife & I been in XXXX XXXX XXXX test driving XXXX. First we were thinking about buying the car, and a Trade-in option came to the discussion for just five minutes, then we took it off the table when the dealer offered us a very low price for the trade-in. for the next couple of hours, we were discussing buying and leasing options and prices until we agreed on a specific lease monthly payment of $ XXXX/month for 39months ( after taxes ) with {$0.00} down. 
During signing the contract, the financial manager kept repeating there's no trade-in, this will make everything faster. but when we went home we noticed that they mentioning a trade-in at the amount they offered, but they wrote N/A in the make, model, year, VINsections. 
Two days later, the dealer called and asked me to go back under false pretense as he said that they found better bank approval and we will need to change the contract, but when I went there, he told me that there was a mistake in the contract and the whole calculation, and he admitted it's their mistake because they forgot to remove the trade-in from the computer when they were quoting us, and all the calculation were based on that trade-in. And now they are trying to blackmail us by threatening to take back the car if we dont agree to re-write and re-sign the contract with {$100.00} increased monthly payment. 

Original sticker price : {$41000.00} They add things like interior and exterior protection for {$4000.00}, claiming that they cant remove it from the deal, but we were able to negotiated off the amount. 
Final amount after negotiation was : {$39000.00} ( including {$1100.00} for the extras they force on the deal )
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (TX)

On XX/XX/2018, a door-to-door sales person came to my home with information about water filtration systems. I signed paperwork for the under sink and bathroom system which I cancelled on XX/XX/2018 as stated in the contract, it should have been removed from my home without any further issues/payments. Well, the dealer ( s ) can't be found and they're running this scam on other people. Eventually I found the dealer ( s ) and informed them that the system was to be removed from my home and I wasn't going to make any further payments. Then I received another bill for an additional {$9000.00} for what I thought was the same system. Upon further investigation, I learn that the owner ( s ) of XXXX XXXX and XXXX XXXX are working together scamming people. The first system was to be removed which is owned by XXXX XXXX ... I've scheduled a delivery with XXXX XXXX Police Department to supervise the removal. The system XXXX XXXX is claiming I completed a contract for is a total forgery. The system isn't even installed and the owner of XXXX XXXX called me today threatening me and said it would installed in XX/XX/2018. He's already spent the money that he got from the finance company and now he's trying to get me to go along with his scam. He's making payments on the account as well because he doesn't have the money that XXXX XXXX paid him for the system installation. So now, I have XXXX XXXX and XXXX XXXX XXXX me while the owners of XXXX XXXX and XXXX XXXX profit by committing fraud. XXXX XXXX and XXXX XXXX have done nothing to resolve these issues. XXXX XXXX is well aware of the fraud committed by XXXX XXXX XXXX ( XXXX # XXXX ). The owner of XXXXXXXX XXXXe is XXXX XXXX, Ph # XXXX ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ext XXXX ) ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ), XXXX XXXX ( sales person - Ph # XXXX ). In humble opinion, all the aforementioned individuals are complicit, knowing, and willing participants in this scam. At this point I don't trust anyone!!! XXXX XXXX XXXX had the nerve to tell me we had a gentleman 's agreement for him to pay for the system ... REALLY!!! At two individuals have outright committed forgery/fraud and should be punished to max extent of the law.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have previously disputed a car loan fraudulently opened in my name with Capital One Auto Finance via CFPB and FTC. CapOne has responded by sending me a copy of the contract they entered into with the suspect and the culprit payment history on the loan. I was not expecting that this would be sent to me as unequival evidence of my ownership of this transaction. CapOne said they investigated but disclosed nothing as to what that investigation entailed. They did not disclose what they did internally or externally to arrive at their conclusion that I definitively entered into this contract with them at the XXXX location stated on their document. I have now investigated this type of identity-theft transaction in particularly with CapOne and found that they themselves are very much aware of these types of identity-theft transaction at their company now and in the past. I can not and will not allow this transaction define who I am and credit worthiness today or ever. Therefore, I seek immediate relief from this erroneous account from my credit file.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IA)

My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. Credit age with XXXX is 6 yr. 1 mo-XXXX 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -XXXX is 7 %. Hard Inquiries XXXX is 1-XXXX  3. Total accounts XXXX is 33-XXXX is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX is XXXX and XXXX is XXXX. 

I hope you can help me with this. 

Thank you, XXXX
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon looking at my Transunion, XXXX, and XXXX  credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and XXXX XXXX XXXX in regards to this collection account. I have no signed contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.