davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

For the past 9 months, I have been dealing with Wells Fargo Bank regarding the money that was held in a blocked account from partial proceeds from the insurance claim by Hurricane Sandy. There was approximately over {$48000.00} in the account and it was misapplied. We sold her house down the shore that could not be rebuilt as a short sale and Wells Fargo forgave the debt. We assumed that Wells Fargo was going to apply the proceeds to the amount forgiven which would reduce the XXXX form and what we had to pay in taxes which did not happen. I have a timeline of the events and errors which were the following : 1 ) They stated they mailed us a check and then rescinded that because they stated they were in error.

2 ) The proceeds were used to pay for fees but they stated there were no fees.

3 ) They stated that the fees went to an investor and after talking to them, I stated that they were the investor and just absorbed the fees. They agreed that was the case. 
I understand by signing the short sale forms that we were not entitled to the proceeds but all I have been asking for is the reduction of the XXXX for forgiveness of debt amount which totaled about {$170000.00} to be reduced by about {$48000.00}. I have addressed this with the OCC and so far no satisfaction. I had to address this with the OCC about 3-4 times and now I am reaching out to you because I feel I am not alone in this. 
At this point, my mother has passed away and my sister and I had to pay the additional taxes because of the non-reduction of the forgiveness. I now want to be reimbursed for the {$48000.00} and additional money because of the multiple number of miscommunications, delays in the process and general attitude of Wells Fargo. I spent hours on just doing what i feel is correct but so far no response because they mail their communication to an address that no one from the family lives at. Please advise the next steps and thank you.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

My payments have now been transferred, but they are not correctly applied. I emailed Nelnet because of the incorrect payment and their email response is that they can't get to all emails and to call. I'm trying to avoid the XXXX hour wait time yet again to talk to someone. My payments are not correctly applied, therefore I'll be accruing interest incorrectly.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I have been reaching out to Paypal since XX/XX/2023. They asked for a compliance letter a few months before this issue. I provided it to them. I got the approval, all good email. Then out of no where in XXXX my account gets locked. I see a notice saying I need to provide documentation proving we are compliant now because they don't approve of me selling my product online. ( Which we are compliant with the state, so this is annoying to begin with. ) Other wise my funds will remain locked. 
I had our legal team prepare the official letter and submitted it the beginning of XXXX. Nothing changed with my account 5 days later, so i reached out to them again. I have been contacting this company non stop since. They have a weird glitch going on in the website, saying I have another step to complete, even though it has been completed already. I even had an open tech case with the company, that was closed saying it wasn't a tech problem. Their company needed to " review '' the issue in the backend team. That never seems to do their job I guess. 
I have attached my record of every convo that I've had with them, including phone calls. There's too many to put down in this box. 
All of their employees say the same thing basically every time, " We don't know, we will escalate your issue, our back team has to approve this and you should hear back in 5 days. '' They are withholding money ( {$210.00} ) from my business for regulations I am clearly in compliance for. And have zero intent to do anything about it apparently. This is going on almost 4 months now and Im still getting no where any time soon. Its been over a month since they have even tried to contact me.
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I had purchased a wedding band ring, which I returned due to it did not fit, I had made contact on three different occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) when I made contact on XX/XX/XXXX, I was given a confirmation number of : XXXX, as of today I am not seeing a credit on my any of my JCPenney credit card statements. 


Thank you for your order, XXXX order number : XXXX order date : XX/XX/XXXX shipping address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone : XXXX gift wrapping no gift wrap payment payment information JCP Card XXXX billing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : XXXX Some items in your order may be charged in separate transactions status : In Process method : HOME DELIVERY routing : USPS These items will ship from the manufacturer on the date indicated below. 
14K-Y MNS PLN WB 6.0 SIZE 10.5 - DIRECT ONE SIZE 2751007 qty : 1 status : In Stock {$460.00} each Item Total : {$460.00} total : {$460.00} merchandise subtotal : {$460.00} total savings : {$0.00} order subtotal : {$460.00} shipping & handling {$0.00} gift wrap : {$0.00} tax : {$34.00} order total : {$490.00} XXXX : XX/XX/XXXX XXXX should i wait for a confirmation number XXXX : at XXXX the confirmation number is going to be XXXX. The full return will be credited to card Sent on XX/XX/XXXX I ordered the following, the ring was the incorrect size, so i returned it, however i am not seeing any credit. Please advise. 
Thank you for your order, XXXX order number : XXXX order date : XX/XX/XXXX JCP Card XXXX 14K-Y MNS PLN WB 6.0 SIZE 10.5 - DIRECT ONE SIZE 2751007 qty : 1 {$460.00} each
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX  - {$1100.00} - XX/XX/ XXXX XXXX XXXX XXXX  - {$280.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} - XX/XX/2XXXX XXXX XXXX XXXXXXXX - {$170.00} - XX/XX/XXXX XXXX XXXX XXXX - {$27000.00} - XX/XX/ I disputed these accounts via XXXX XXXX. I also reported them via FTC Identity Theft Report website. I included the FTC Report as an attachment as well.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: C/C Financial (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-10-14
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

These Inquiries are on authorized and I would like them removed. They are preventing me from applying for credit and are currently damaging my credit. 

XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX  XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (MD)

In early XX/XX/2018, I applied on www.SoFi.com for a personal loan. I have excellent credit and income and met all of the qualifications necessary to receive the loan amount of $ XXXX that I applied for. I went through the SoFi account review process submitting all required bank account documentation and proof of income and was approved for a loan. When the review process was completed I was sent my loan agreement and signed it on XX/XX/2018. My first payment on the loan was to be due on XX/XX/2018. However, for some reason, SoFi has refused to fund my loan and hasn't given me any plausible explanation. It is now XX/XX/2018 and SoFi has not funded the loan per our agreement. Every time I have contacted the company about the status of my loan they have only offered vague excuses and empty promises of the funding being ready to go. My SoFi account has now been placed in permanent 'signature review ' status. SoFi recently notified me that my application has expired even after I have provided everything that they've asked for. Based on my experience with this company I strongly suspect that I have been discriminated against based on race or because I am a senior citizen.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX bankruptcy Case No. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.
Consumer complaint received 2018-10-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc. (FL)

On XX/XX/XXXX I received a collection letter from Total Card , Inc. in XXXX XXXX, SD attempting to collect a debt for {$18000.00} for XXXX XXXX XXXX. Having never had a loan with XXXX I contacted XXXX XXXX and they informed me this account was for a loan in XX/XX/XXXX. This company is trying to collect a debt that is 13 years old and that is in clear violation of Florida law : Fla. Stat. Ann. 95.011 et seq. which contains a limitation on collections of writing contracts to 5 years. Furthermore, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that is 13 years old and exceeds the statue of limitations for a collection agency to collect a debt.
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AL)

I have made several complaints with your company, Consumer Financial Protection Bureau. I am not satisfied with the way things have been handled. Complaint # : XXXX and XXXX. 

Chase Mortgage has stated that they have gone back and research their records. How can the target, Chase, check their own records. They should not research the records. We need a higher authority to audit Chase Mortgage. An uninterested party should be able to come in an audit Chase Mortgage. 

Chase Mortgage illegally foreclosed on my property while the loan was under consideration for a loan modification.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION (MS)

My initial complaint number is XXXX. I wanted to get help with issues related to missing money from my checking account. The bank claimed that the financial tool that I used from their app was only supposed to be used for informational purposes only. However, the same financial tools can be used for helping with budgeting and managing finances. I used the tool for managing my finances for my checking account and discovered that my account was missing money. The tool indicated that there was more income than income for the checking account than spending. The difference as of today according to the financial tool is a bit over XXXX dollars. I have proof of the spending and income according to the financial tool and proof of unknown transactions from the app. The photographs should show enough proof because of the date of the unknown transactions from this morning. The unknown transactions are for amounts of {$22.00} and {$160.00} today XX/XX/2023. The photos should be attached to this message or uploaded with my complaint.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I have been getting a delayed deposit availability notice on my payroll check deposit slip since XX/XX/XXXX. The delay lasts 11 days with no funds available from the deposit for the full 11 days. I have been depositing this same payroll check for the last 14 years. I have been to the local Chase Bank several times for an explanation, but have not received a proper answer. The best they can do is manually release the hold if I complain. They will not supply any explanation for these holds. I am attaching a copy of my deposit slip from XX/XX/XXXX. It states funds will be available on XX/XX/XXXX. This has been happening for 9 months. I would like to know how they can keep the total deposit unavailable for 11 days without any explanation.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OR)

Called AidVantage on XX/XX/18. After being on hold for an hour, spoke with a representative who would not tell me why my loan, after being consolidated, was being transferred to another servicer. Also would not help to cancel an IDR plan and switch to a different repayment type. Representative then disconnected the call as I was in the middle of asking a clarifying question regarding my loan transfer.
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (MD)

Paypal claims I owe money from a pay in 4 transaction. this happened as a result of me filing a dispute incorrectly with my bank. After a day, I cancelled my dispute with my bank and paypal was refunded the dispute amount. Paypal has no record of the cancelled dispute. I have proof from my bank that the disputed amount was paid. I also was sent to collections and after sending copies of my proof pay pal admitted and apologized for their mistake and I was given proof in an email that my account was flagged incorrectly. I also reported this case to the XXXX and I was able to get a response from paypal. 
Fast forward a year later I tried applying for a paypal pay in 4 and I was denied credit due to my account being delinquent. They told me that paypal changed their mind about this case. How could they do something like this this is ridiculous. The new representative told me the previous person who said I owed nothing was wrong. I need your help -XXXX
Consumer complaint received 2017-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I purchased a property in 2016 and financed through Flagstar Bank, and during this i did my property tax through an escrow as well. Flagstar Bank did not pay any of the supplemental taxes. I have a delinquent tax bill with XXXX County and I have to pay an amount of {$1400.00} on top of my tax bill to cover the penalties and other charges. I would like Flagstar to pay the penalties since this was never communicated to me and as far as I know- they still have n't made any arrangements to pay this bill.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AZ)

Ive been attempting to pay off my student loans for the last two months. Every time Ive made a payment it will process and say it was accepted. However, a couple days later my account shows a payment reversal.

I've contacted my bank and they confirmed there are no issues with my bank account. I have enough funds to pay off my loans, but Aidvantage refuses to receive my payments. In the meantime, my loans are accruing interests, and the payoff amount keeps increasing. Ive attempted to contact
Aidvantave customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to pay off my student debt, but I am unable to.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NY)

At XXXX XXXX ET on XX/XX/XXXX I received an illegible email from Aidvantage in which grey text appeared on top of a grey background. Perhaps when I was young and spry back in XXXX when my life was first buried under these loans I would have been able to read this email. Back then I had pretty good eyesight and I still had a glimmer of hope in my eyes. A quarter of a century later and my eyes simply are not what they once were. I have to hold my phone at arms length and squint to read small text even when it is high contrast. I simply can not read this grey on grey email from Aidvantage and who can afford bifocals with student loan payments restarting? 

Is such an email ADA compliant? Are millions of student borrowers responsible for understanding the fine print of these loans written in this form? Does this comply with the FDCPA? Are there minimum requirements for legibility with such communications. 

What does this email say? Is it to inform me that XXXX is finally fulfilling his promise to cancel student loans and I am finally free? Or is it about an important deadline that I have to meet and my financial life will be ruined if I miss this deadline? Does this email contain my payment amount and due date? Is Aidvantage asking for my first born child or my arms and legs ( or perhaps my eyes )? I just cant tell. About half of the information I get from Aidvantage is inaccurate and I am told to ignore it when I call to ask questions about it. The other half is life-or-death serious to pay attention to the most minute detail. Which one is this email? I cant tell. If I dont take action based on this communication will there be any consequences for me, and if so what will they be? 

The painter XXXX XXXX created a series of ultimate paintings consisting of minute variations of XXXX on XXXX and gray on gray claiming these are simply the last paintings anyone could make. Is Aidvantage poetically trying to tell me this is their ultimate communication with me and my student loans and that the end has come? Is that a good end or a bad end? What is my ultimate fate? Is this heaven or XXXX? 

I am told that XXXX XXXX XXXX XXXX is about sadism, but this is taking sadistic grey prose too far, even for Aidvantage. I am reminded of when the XXXX administration appointed a Borrower Defense Special Master, or BDSM for short, a guy seemed to take pleasure in inflicting maximum pain in order to achieve a discharge. What a sicko. Did the BDSM write this email? If so, what does it say? These people need to find a hobby and stop hurting everyone.