davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-23
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (AK)

On Friday, XXXX XXXX, I scheduled a money transfer of {$450.00} through Western Union ( WU ) to my son in Oregon through the Wupay ( billpay ). On Monday, XXXX XXXX, money was sent by ACH from my bank account to WU. The money as advertised should arrive in 3 days on Wednesday, XXXX XXXX. The money did not arrive so I called WU. They said that they had n't received the money and to wait a few days but in the meantime they would escalate the transfer to research. I called at XXXX Friday, XXXX XXXX about the status and they said it was still not funded but it had been escalated and should just be a couple of hours. They left me a voice mail to provide them a confirmation number from my bank. I called back at XXXX, Friday, XXXX XXXX gave them the confirmation number and heard that the money still was not received but they assured me that it would be resolved because they resolve these within XXXX hours. I called them again on Saturday, XXXX XXXX because they said the money was still not received. The customer service supervisor launched a XXXX way call with my bank and got the ACH transfer code. I was on the phone with them for over 2 hours. As of today, Monday, XXXX XXXX, it appears they did receive the money on Monday, XXXX XXXX but my son still does not have access to the money. Here is the recent email : Dear XXXX, I hope all is well. 
Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. 
Should you require further assistance please do not hesitate to contact us. 
Best Regards, XXXX XXXX, Customer Care OperationsXXXX Regional Operations Center -- -Basically, they have had my money for over a week. It is ridiculous that they kept putting me off like it was not their responsibility to figure out and should be paying me interest on that money.
Consumer complaint received 2015-11-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

This is NOT a duplicate complaint. 

This was my original petition : '' OneMain Financial- Pay Status and rating key are conflicting. Contradictory and inaccurate. Demanding that OneMain Financial request account deletion from all credit reporting agencies ( XXXX, XXXX, and XXXX ) '' Please note my attachment. It clearly notes and backs my claims. You will notice descrepencies in XX/XX/2011. The Rating Key is coded as a charge-off XX/XX/2011, yet the Last Payment Remark indicates that the account was Charged Off. This is contradictory. Because of such, it is erroneous credit reporting and therefefore I am demanding that the account be deleted from all XXXX credit bureaus.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ID)

My Name is XXXX XXXX I am a XXXX with XXXX XXXX XXXX in XXXX, Id. I have a client XXXX XXXX who has asked me to help her short sale her property at XXXX XXXX XXXX XXXX XXXX XXXX, Id XXXX. XXXX 's property is in default due to a divorce and loss of income. The lender is Wells Fargo. I proceeded with the short sale. I listed the property for {$180000.00} and received an offer for {$180000.00}. Wells Fargo approved the sales price and gave us full approval to close. The buyer 's financing fell apart right before closing so we did not close. I received another offer for {$180000.00} and was in the process of getting it approved by Wells Fargo but those buyers got transfered out of the area. I received another offer for {$180000.00} but this time Wells Fargo came back with a counter offer of {$200000.00}. I called them and was told they had a Brokers Price Opinion done and it came back {$29000.00} more than the previous XXXX. In a XXXX of months that property did not increase in value {$29000.00}. I can not sell this property for that amount. The seller did try to sell the property her sell for {$200000.00} but did not get any offers. I disputed the appraisal with comparable sold properties and information about the small town of XXXX but Wells Fargo denied the dispute. I believe Wells Fargo is putting my Client in Harms Way by not accepting the original price of {$180000.00} which they did accept. I am attaching the emails from the Wells Fargo Negotiator, and the approval letter from Wells Fargo. I do n't know what else to do. I have tried everything to help this client and Wells Fargo is being unreasonable. The house is not finished and is in an area where there is not many properties sold in a year. XXXX XXXX loan number is XXXX. I would like you to look into this matter. I believe this is wrong and Wells Fargo is suppose to be helping the home owner not harming them. They are being unreasonable. XXXX XXXX XXXX
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

my identity was stolen, i informed the XXXX XXXX XXXX, but they insisted i paid off the balance and they would remove it from my credit report, i t turns out i paid and they refused to remove it.. i should not be asked to pay for something i am not responsible. i was intimidated and put under pressure to pay this off but i am not responsible
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (GA)

There are fee on my account on payment that I didn't set up or make XXXX was even a checking account that wasn't mine that made a XXXX dollar payment .and fee of XXXX dollar that was made.i told them this wasn't done by me and the reply was we don't remove fees... 

I also need a opt out form which I haven't recieved yet also they say they don't have this form
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (VA)

Called XXXX Suntrust HAMP Settlement Friday evening XXXX XXXX in Refrence to Suntrust Hamp settlement. My question was WHY do n't I qualify. It is a XXXX Loan. I waited on call back from XXXX neutral party XXXX XXXX XXXX XXXX on Wednsday XXXX XXXX. Got an email from XXXX XXXX on XXXX XXXX XXXX stating that I am eligible to participate in the settlement and a Participation Packet would be mailed to me at address on file. I received another phone call and email on XXXX XXXX from XXXX saying " sorry for the confusion but the person that sent me the email saying that I 'm eligible made a mistake '' and now I do n't qualify. I sent another email yesterday XXXX XXXX asking to give detailed explanation of why do n't I qualify when my loan meets all the requirements to be eligible for settlement. A lot of confusion going on. I would like to know why I 'm not eligible when my loan fell in between the time frame for the Suntrust HAMP Settlement. I filed XXXX loan modifications in XXXX and XXXX during the HAMP settlement time frame.. They asked for documents that I had sent repeatedly leading up to my foreclosure date. I made XXXX trial payments. The loan was a XXXX loan. My loan # XXXX. Property address was XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-10-22
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: High Point Asset Inc (CA)

I was contacted by High Point Asset, Inc on XXXX/XXXX/2015. They informed me that I had XXXX outstanding pay day loans which I would have to pay.They emailed me XXXX notices stating who the original creditors were and who the current creditor is with dates listed for when the loans were filed and the balance of each of them. I searched today for the contact information of these original creditors, in doing so I found that other cosumers have been contacted by High Point Asset, Inc stating that they owed money for payday loans that were also not listed on their credit reports. I decided to contact the Federal Trade Commission. 

After consulting with a representative at the Federal Trade Commission, I checked my credit report and found that no pay day loans were listed under my name and information. These loans do not exist and High Point Asset, Inc is trying to have me pay them for something that never happened.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I made few claims and Wells Fargo approved them in writing. Wells Fargo informed me that my " account should be credited in the amount of $ XXXX within XXXX business days ''. However, that did not happen. I communicated with Wells Fargo and I posted on their XXXX and they kept delaying me and wasting my time. I still have all my proofs in writing that Wells Fargo can never be able to deny. The amounts are : {$12.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$17.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$16.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$24.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] I am kindly requesting your help to be able to receive the money.
Consumer complaint received 2015-10-23
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (IL)

AES 's automated system does not give you the right amount. I have a recorded on XXXX/XXXX/15 that I notified the supervisor of that and she states they are aware it is incorrect but never said they were going to fix it. I recorded my phone call since I was paying my bill. They do not tell you that the calls may be recorded, I asked someone yesterday if my call was recorded, he said yes but never gave me the disclosure which is required. I want all negative marks removed because the reps also give an amount that is not correct, AES has committed fraud against me. They also tried to force me to get auto debit even though I wrote numerous letters telling them I am not interested. I WILL NEVER DO AUTO DEBIT WITH THIS COMPANY. NCT HAS NOT SUBMITTED PROOF THAT THEY STILL OWN THIS DEBT WHICH IS REQUIREMENT IN ILLINOIS TO COLLECT ON A BILL. AES CLAIMS THEY SENT IT TO ME BUT THEY DID NOT, I WILL KEEP COMPLAINING UNTIL AES IS SHUT DOWN FOR GOOD. I HAVE PAY LOTS OF MONEY TO NCT, THEREFORE I ONLY OWE THEM FOR LOAN # XXXX. NCT HAS NOT MEET THEIR BURDEN OF PROOF, THEY MUST SHOW PROOF THEY OWN MY DEBT AS OF TODAY. NCT SELLS LOAN IN INVESTMENTS, THEREOFRE THEY HAVE NO PROOF WHERE MY LOAN IS. AES IS A LIAR AND ENGAGES IN ILLEGAL BUSINESS PRACTICES. I KNOW WHAT I OWE AND I DO NOT NEED AES TO TELL ME THAT. XXXX XXXX IS STUPID BECAUSE SHE CA N'T READ BECAUSE SHE HAS NEVER FULLY ANSWERED MY COMPLAINTS, ALL OF HER ANSWERS ARE GENERIC. NO ONE FROM AES HAS CALLED ME TO DISCUSS ANYTHING WHICH THEY SHOULD. NCT IS A TRUST NOT A LENDER LIKE AES CLAIMS, I NEVER SIGNED ANY PAPERWORK FOR A LOAN WITH NCT. NCT IS A 3RD PARTY DEBT BUYER AND AES SHOULD NOT TELL PEOPLE THAT NCT IS A LENDER BECAUSE THEY DO NOT LEND MONEY, THEY ONLY PURCHASE STUDENT LOAN DEBT.
Consumer complaint received 2015-10-23
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AES/PHEAA (AZ)

National Collegiate Trust and it 's affiliates were notified in writing, over 2 years ago, to cease communication about a debt I have continued to dispute. I was advised this particular debt was included in my XX/XX/XXXX bankruptcy, so I was surprised when I received their collection attempt in XX/XX/XXXX. I immediately wrote a letter disputing the debt and asked the company to refrain from further contact. I sent this letter to XXXX different addresses. I also included my bankruptcy paperwork. I told multiple collection agents about the bankruptcy and letter before I finally stopped answering their calls. I was recently informed that all collection attempts after my XX/XX/XXXX letter were out of compliance with FDCPA regulations and that I should file a complaint. I am in the process of validating the debt, but I want to make sure this company follows fair collection practices in the future. Other consumers need to know about this company.
Consumer complaint received 2015-10-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted all requested data to the Bank of America Loss Mitigation Department and my request was denied. I submitted an appeal and my appeal was denied. My husband passed away in XX/XX/XXXX, the only income I have is {$1800.00} in XXXX. {$800.00} in pensions and {$400.00} from a boarder. My current mortgage is interest only, {$2700.00} per month interest only. I also have regular expenses ( auto payment and insurance, utilities, etc. ). I am currently supplementing my expenses by depleting my IRA. My mortgage is scheduled to jump to {$3500.00} per month in XX/XX/XXXX yet I can not get BOA to modify my loan.
Consumer complaint received 2015-11-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

THIS COMPLAINT RELATED TO CFPB CASES:XXXX XXXX AND XXXX pROPERTY SET FOR FORECLOSURE XXXX XXXX, 2015.XXXX REPORTS BANK OF AMERICA AS LENDER THEN REPORTS LSBO ( LOANS SERVICE BY OTHERS ) AS LENDER OF PROPERTY. Bank of America unable to procuce promissory note or mortgage deed. XXXX produced fabricated document which needs to be verified by Bank of America. Bank of America needs to approve that this assignment deed is support by Bank of America becuse this fabricated deed use to foreclosure on property not owned or without document of lender. 
REQUESTING BANK OF AMERICA TO STOP FORECLOSURE SET XXXX XXXX, 2015. 
Bank of America submit COPY of original promissory noteBank of America submit COPY of mortgage or deed of trustBank of America submit COPY of all assignments of mortgageBank of America submit COPY of endorsementsBank of America submit COPY of deed of trust transferBank of America submit COPY of sale of property to Bank of AmericaBank of America submit COPY of sale of property to LSBOBank of America submit COPY of Servicer Letter of XXXX XXXXBank of America submit COPY of document to order this foreclosureDID BANK OF AMERICA SIGN issue documents to approve foreclosureBank of America submit COPY of XXXX employed by LSBOBank of America submit document of XXXX employed by LSBOBank of America submit document of XXXX XXXX Bank employed by BOA
Consumer complaint received 2015-06-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My parents who are both deceased left this property XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX to me XXXX XXXX XXXX and it was foreclosed on XXXX XXXX, XXXX : Foreclosure paperwork was done. On XXXX XXXX XXXX my son who is not on the mortgage. This mortgage has been sold over and over. I try to do the modification for the XXXX 6 months with no success. I hired XXXX XXXXXXXX on XXXX XXXX, XXXX to do the loan modification for me. And the modification went through the trial. Then XXXX extra month of payment, then they put me through a second trial. Hopes of getting a modification. The payment went for {$710.00} ( 3 ) month, {$810.00} ( 1 ) month, {$1000.00} ( 1 ) month, ( 3 ) month {$1000.00}. Add it up with homeowner insurance. Had me jumping through hoops to get a XXXX point and wind mitigation inspection. Still did not accept the low cost insurance I found for myself. Helping families save their homes Act of XX/XX/XXXX XXXX. When I started out I told all the attorneys I do not want to lose my parents ' home and the family house with have both been in this family for over XXXX yr. I got a phone call this weekend about the insurance I put in tell me singe some page work that was email. But when I went to the email no paperwork was there. Last month I pay no payment because the later payment was paid in XXXX XXXX. I was toll look for the final modification papers in the mail by my lawyer, as of today I have not received any paperwork. Every payment has been more than the {$940.00} you see on this monthly mortgage statement that I will send to you when you ask for documents. Since I did the first complaint PennyMac has send me the new find modification with is unreasonable because I had a 30 years fixed rate 8.450 % at {$940.00} mortgage payment total left {$120000.00}. Now it 's up to $ XXXX and a 40 years payment {$920.00} interest rate 3.875 %. a officer to reduction of {$22000.00} the anniversary of your XXXX trial period payment date for three years. If I do not want principal forgiveness, I may have other modification options. Yes I would like to know what the other options are at this time. Did not give my time to take to a Real Estate Attorney to look this over.
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Walwick, Inc (CA)

I received the attached letter and believe it violates the following -Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list only one. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following -15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. " 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Consumer complaint received 2015-10-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX XXXX veteran when they issued the loan at the interest rate of 22 % instead of at 7 % which I am eligible to receive.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: National Check Resolution Inc. (PA)

XXXX XXXX called several times from an unknown number and said he was going to come to my place of work or home to serve me court papers if I did n't call NCR,XXXX I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for a debt. After talking with XXXX at NCR several times he said he had no idea who this XXXX XXXX XXXX XXXX is. The XXXX time I spoke XXXX XXXX explaining to him that I spoke with the debtor and they gave me the name of the of the collection agency and it was not XXXX or National Check Resolution. I asked XXXX XXXX who they purchased my account from and he kept insisting the original debtor. I told him no, that I already spoke with them and I was waiting on the Collection Agency who they gave my account to return my call. XXXX got angry and said I had till XXXX XXXX XXXX to get back to him or the courier service would serve me! I said you told me you have no idea who the are?? He the hung up on me!