davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX was servicing my mortgage on my house that I sold inXX/XX/XXXX. They had sent me my escrow check in the mail as I moved from NY to FL. I never received the check, so I called them, they told me it had cleared with Wells Fargo. We came to the conclusion there was mail fraud/identity theft of the check. 
I submitted a complaint with CFPB on XXXX as they had no real info on how this happened to settle this, & also said I needed to work with Wells Fargo on the case as it was in their hands due to they cleared the check. 
Wells Fargo gave me a case # of XXXX & I keep following up for the past 2 months, no details at all, just an open case. 
No one can tell me how or why they cleared the check with me providing & notorizing paperwork as the proof that the signature is not even close to being mine, nor my checking account. 
No one can even give me details on how this can happen where someone can deposit a check in my name & address & clear it without any ID/proof.
Consumer complaint received 2018-01-19
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. (TX)

cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts equifax breach has cost me tons of money taking more than 30 days violation of my rights
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

On XXXX XXXX, 2018 I started a money transfer overseas to myself ( I 've been living abroad for about a year ) as I have done several times in the past year through Western Union without any issues. Then I received an email asking for a government issue ID which I provided a copy of my U.S passport. I got an email a little later approving the transaction. Then on the day that I was promised that the transferred money would arrive at a local Western Union branch in XXXX for me to pick up I received an email from Western Union stating they were withholding my money. I called the hotline XXXX and spoke with their representative. They told me they needed more information and would want to do an interview with me. I thought that was odd as I have done over 10 transactions with Western Union over the year and had no issues. I requested to know why the interview was needed and the customer rep told me that it was an internal procedure. She then started asking personal questions such as why did I need the money and whether if I was employed and if I had other sources of income. I thought that it was odd for a company like Western Union to ask a customers these questions especially this was not my first transaction and the amount was only {$4000.00}. I told her I needed money to live overseas since I am living in another country. At that point I was fed up with the interrogation and questioning of my own money and what I was gon na do with my money. I do n't think Western Union has a right to ask these questions or if they think they do then they need to list that up front on their website. No where on their website when I did the transfer indicates that they were going interrogate people if they were sending money to themselves.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mendelson Law Firm (MS)

XXXX XXXX, XXXX is trying to garnish my check for {$550.00} plus other fees which will bring the total to {$740.00}. I am not responsible for this account because my identity was stolen. This account has been closed for years. I have communicated this with XXXX XXXX, XXXX and XXXX XXXX XXXX on numerous occasions. I work hard, and do not want my credit file negatively affected by this.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NC)

I received a XXXX 's XXXX XXXX that looks as though it goes through a financial institution called " XXXX '' ( this seems to be their website : XXXX ). The problem with this advertisement, I guess I would call it, is that it has a card number and my name pre-printed on the card. It also has my name, address, a routing number and account number listed on the front page of the letter. While this is prepaid, you have to read the small print behind the card to understand to really understand what this card is and that your credit was not checked for this card. I was very concerned at first because it had all of the account numbers, my name printed, and I thought they ran a credit report. At first, I thought it was a real credit card put in my name. Why should I have to take the time to shred this information and a card, when I never asked for this. It causes unnecessary stress for the consumer and could be misleading to an elderly person. This is poor advertising and it makes me think poorly of XXXX and this XXXX institution. If my name was not pre-printed on this, it didn't have an account and routing number before being activated, and it was very obvious in the letter that this was not run through my credit ; I would be okay.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I can not access any of the Experian on line services because a message is returned that the information entered can not be validated or the information submitted does not match the information on file. Experian does not allow any connection to a " REAL PERSON '' no matter what I try,. I have called all the telephone numbers that are available and every one of them gets me an AI voice machine that provides absolutely no ability to connect to a person. I have my account on CREDIT FREEZE and periodically I have to suspend the freeze in order to open a new account, or with the current incident, purchase a new vehicle. Everyone, myself included, is rejected whenever they try to get information from Experian about my credit. Experian has some corrupted, inaccurate information on file for my account, and I have no way to get them to correct it. 

It is not right that any company can control my ability to purchase a new vehicle or any other financial transactions without giving me the opportunity to contact them and have them correct their records. The only option they allow is for me to write to them in Texas and they will try to help me within 15 days, providing I send them a long list of proof of identity. I have done this but I do not have 15 to 20 days for them to take action on a problem they have caused. Remember they were the ones who enabled HACKERS to access my account and all my financial date. 

Experian should not be allowed to prevent me from contacting a real person when I am having these type problems with their records on me. Their web sites provide a telephone number to reach customer support or to reach technical support, but, all these numbers connect to an artificial voice machine that always ends up in the same place, no connection to a person and no resolution of the problem. 

XXXX XXXX XXXX
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Overland Bond & Investment Corporation (IN)

I purchased a vehicle inXX/XX/XXXX it was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then it XX/XX/XXXXmy car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off inXX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

Payment was due XX/XX/XXXX. Payment processed / cleared XXXX XXXX  on XX/XX/XXXX. 

Next billing cycle dated XX/XX/XXXX includes late fee and interest. 

Called bank / lowes. Was given a time consuming run around.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

I received a letter from ERC/Enhanced Rseource Centers ( XXXX XXXX XXXX, XXXX, FL XXXX ) stating that I owe {$160.00} to an account with XXXX. This account was closed in 2006 and was paid in full. I have NEVER received any communication stating otherwise and it has not shown up in my credit report. I contacted the company and they insistent that I pay the amount and offered different payment methods but I adamantly told them that this account was closed 15 years ago and was paid in full and that I didn't intend to be harassed into paying anything I didn't owe and to only be told about it 15 years later. They insisted that I pay the amount and that it hadn't been reported as of yet to the credit agencies. I notified them that I would be contacting the credit agencies and file a formal complaint against them for this miscarriage of debt collection.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (NY)

I needed to send Euro XXXX to a hotel in XXXX that did not accept credit cards. 
Before sending the money, I carefully researched the alternative methods of sending the money and determined that Transferwise was cheapest. 

When I made the payment, I was offered the choice of having the money charged to my bank or credit card account.I was told that there was a small additional charge for using my credit card. I thought it worth it to earn air miles. At no time was I warned that my credit card might levy additional fees. I find I have been charged an additional {$22.00} cash advance fee by my credit card.

I called my credit card. They say that they are entitled to do this under my credit card agreement. This seems likely correct. The Transferwise case is XXXX
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

Coinbase, inc. claimed they would refund my {$100000.00} transfer I sent in XX/XX/XXXX because I had sent from a business instead of a personal account. 
Two months later, and they still have n't returned my money nor email me the status.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

I recently received a copy of my credit report. On my report it show a collection account for receivable performance for {$82.00}. I never received anything stating this was being placed on my file or that I ever owed this debt! Because I did not recognize this account as being mine I sent a certified letter asking for VALIDATION of this debt to the collection agency on XX/XX/XXXXwhich was received by a representative of the company on XX/XX/XXXX. I requested that this debt be Validated within 30 days of receipt of my letter.. and if they were unable to send Validation Per the FCRA guidelines the alleged debt should be removed from my credit file. I have the right to have a alleged debt validated. As of today i have not received any communication from the collection agency. Per FCRA if they can not validate this alleged debt I must be removed as a account on my credit file because it doesnt belong to me! I am now asking that the information be removed from my file as the debt has failed to be validated. I am trying to obtain financing and this black mark has been detrimental to my ability to obtain credit.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Outsource Group, Inc (MO)

I disputed this debt at the end of XX/XX/XXXX, they sent a letter dated XX/XX/XXXX saying they are investigating the matter and they need additional information from me. However, there should no additional information required from me, if they decided to report inappropriately on my credit report. Another letter was received dated XX/XX/XXXX saying their investigation proofs the debt is valid. I sent a debt validation letter dated XX/XX/XXXX requesting validation of the debt and not verification. The letter was received XX/XX/XXXX and I have yet to receive the requested documentation. They are unable to comply with FDCPA as I have have to right to request validation of the debt you say I owe you.
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (FL)

Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

There is a XXXX XXXX XXXX card appearing on my credit that I never opened or authorized opening. I am a victim of identity theft. It says on my credit report it was opened on XX/XX/XXXX.
Consumer complaint received 2018-01-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (WA)

Ability Recovery Services , LLC has reported a collection account on my credit report which has seriously negatively impacted my credit. 

Despite me disputing this account with the credit bureaus multiple times, Ability Recovery Services verifies the debt belongs to me. 

Open date XXXX/XXXX/2017 Original creditor XXXX XXXX To date XXXX and XXXX  have yet to remove this ficticous or fraudulent debt
Consumer complaint received 2018-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (NY)

Car was repossessed on Wednesday. Payments were made on Wednesday and now I ca n't get the car back from repossessions people. Ive been calling them for 3 days and car was taken out of XXXX!
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one refunded an extra payment and sent the check to an address different than the only address listed on my account with them. When I called to find out what address they sent it to, they would not tell me, only confirm if it was correct or not. I gave them the only other address I have lived at prior to moving in 2021 and it was not correct. 

They said that even if an address has been removed from an account by a user, even over 5 years ago, they store that data and have access to it. I verified that my account has the only address Ive lived at since 2021 and theres no old addresses tied to my account. 

Its no wonder why capital one keeps having data breaches as they are illegally holding onto consumer data after the user has revoked access to such data.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I opened an account with coinbase.com to purchase crypto currency. I added banking information to make trades. I 've tried to log in for a couple of months but I 've been locked out. I submit emails and I get canned response. But to no prevail do I get any sort of customer service follow ups as well as I still ca n't log in. I 'm concerned that they have my banking info. What can I do?
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

I initially filed a complaint XXXX and stated the below. 

" Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). '' company responded " Ref # XXXX {$200.00}, # XXXX {$170.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX XXXX. Please let it be known that this complaint was taken very seriously. XXXX XXXX 's complaint was examined by our Compliance Department, and a request was made to retrieve call recordings. There were no calls found. Our company did not file litigation on either account and have no intention to do so. Commonwealth Financial Systems was assigned both accounts for collections on XX/XX/XXXX. We are a third-party collection agency and as such we no not have contracts directly with consumers. We service accounts on behalf of our clients. Letters of validation were mailed to XXXX XXXX on or around XX/XX/XXXX. Commonwealth will send a deletion request to the three major credit reporting agencies to remove the accounts from XXXX XXXX 's credit history as the accounts are being investigated. In addition itemized billing statements will be mailed to him to the address listed in this complaint. I hope this response is satisfactory to XXXX XXXX and addressed his concerns. XXXX XXXX can contact our agency should he wish to discuss this matter by calling our toll free number, XXXX ext XXXX, XXXX XXXX XXXX , Collection Manager. If he has any correspondence that would verify that he is not responsible for this debt he should send it to our office so that we can forward to our client to be researched. He can mail it to our address XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax to the Client Services Department { XXXX } XXXX, or email XXXX. Please do not hesitate to contact my office should you need further assistance. Thank You. XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Company has not deleted this collection account from my XXXX report as they said they would as per the above statement.
Consumer complaint received 2018-01-19
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: Coinbase, Inc. (CA)

Coinbase charged my XXXX credit card {$3300.00} even though my account with Coinbase has  been closed for over a week. 

There is no way for me to have authorized this transaction since my account with Coinbase has been closed for over a week. Also, there is no way for them to have given me anything in return for this charge since I no longer have an account with them. 

This is fraud on many levels. One, they keep my banking information and credit card information on file even though my account with them is closed. Two, they still charged it even though I do not and can not authorize a charge. Three, no message from Coinbase regarding this charge. 

I since contacted XXXX to have my credit cards closed and changed to new ones. I also had to set up extra security measures on my bank accounts to try and prevent additional charges Coinbase might try.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY (NJ)

Due to financial hardship ( loss of income due to job loss ), I requested from TD Bank a forbearance on my mortgage loan, which was I granted, but I never received written confirmation from the bank regarding the forbearance status, despite my multiple requests. I never knew if it was ever approved or for how long. Through several attempts to reach the correct person in their contact center, I was able to learn that my loan was in forbearance through XX/XX/XXXX. 

Upon exiting forbearance on XX/XX/XXXX, I requested a loan modification ( deferral ) and was informed by TD this will be handled promptly upon exiting forbearance. I resumed my normal monthly payments in XX/XX/XXXX, as instructed by the bank, and was by TD that a deferral would be applied promptly upon exiting forbearance. 
However, I noticed on my monthly statements that my loan balance was still overdue and that I have been incurring late charges. I immediately called the bank on XX/XX/XXXX and spoke with XXXX XXXX. What I found out was shocking. 

The loan modification ( deferral ) request was NEVER completed by TD as promptly promised. XXXX XXXX informed me TD had a XXXX SLA or turnaround time as required, which means the deferral should have been applied by XX/XX/XXXX. Major TD fail. 

XXXX XXXX also informed me the deferral request was submitted on XX/XX/XXXX to the banks Underwriting department by the TD Helps/Loss Mitigation department. XXXX XXXX declined to provide me the name of the Underwriter assigned to my loan, despite my request. 

I understand that on XX/XX/XXXX at XXXX PM XXXX XXXX XXXX ( TD agent ) sent an email to the Under Underwriting department requesting a status on the deferral. 
XXXX XXXX promised me an XXXX XXXX of her department will be calling me back within XXXX hours regarding this issue. As of the date of this complaint ( XX/XX/XXXX ) I have NEVER received a return call from an XXXX XXXX. Another TD fail. 

XXXX XXXX : {$9500.00}