davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (IL)

Went to a bank PNC yesterday but day before yesterday I went to store, on XXXX #, XXXX XXXX XXXX ) XXXX ) XXXX at XXXX branch I had {$180.00} XXXX yesterday told at XXXX Branch I had only {$34.00} (? ) XXXX $ (? ) Left, I already have other disputes pending and corrupt fraudfilled, deceitful, XXXX, insurance went in electronically allowing them PNC bank to did to do so I 'm alleging PNC bank Is " intentionally fraudulently delaying the " Actual '' funds money availability to my account knowingly " knowing XXXX will spend innocently later funds that I do n't have availavlble.like if I put {$120.00}, in on XXXX on wed with XXXX, using My cash then my XXXX check cones in say '' on Friday, XXXX, is alleging that I 'm negative {$120.00} its fraud n that 's wat I 'm reporting also discrimination vs XXXX etc, XXXX, on loans of any sort with the bank I 've called corporate n filed cfpb greviancies n heard zilch from anyone.I do n't owe XXXX zilch they were just electronically imedialty paid earlier between XXXX # & XXXX # of XXXX debts r owed.as I have to call the stfarm branch on XXXX # XXXX # &, ,to suspend bank payment cuz, my ssi checks are n't avail, til XXXX $ XXXX, XXXX electric payment scam " Picks up as a debt collector '' without disclosures, without a debt license to collect, without warnings of, to consumer of what 's owed allegedly, minus, what XXXX operators r bogusly, telling us customer 's oon calls that " were good ''! Etc, when really they purporting people owe them double months or else is actually vs public policy n break several deception acts n statutory laws under insurance regulations.XXXX, this bank must be shutdown as a failing bank with nothing to offer, no bankers, n account fraud theft n money mismanagement n racism vs XXXX, I demand full return for my coffee mate, n my previous earlier this month dispute n my XXXX cash so I can part ways, After '' I file civil rights actions vs this bank for Ada violations
Consumer complaint received 2017-03-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (MI)

I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date ( which is invalid ). I communicated that I am disputing that and I want the item removed. I called the company shortly afterward to communicated with them directly regarding the account. The representative hung up on me when I told him that he was in violation of the law. As a remedy I would like this complaint filed and the item removed from my credit file.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got this card to travel around XXXX. My card was used XXXX to get money from an ATM. XXXX transactions of XXXX with transaction fees for XXXX for each one and XXXX transactions of XXXX with transaction fees of XXXX for each one. At this point my credit card was already over the XXXX limit that I had so I do n't know why bank of America would even allow this. I called and made a complaint and they returned some of the money, but then I get a letter saying my claim was denied because the card was used to get money from the ATM, I called and told them that if it was denied why did they return most of the money back to my account and that I wanted them to return the rest because I was not going to pay for any transactions that I did not make so they reopened a claim and I recently got another letter saying the claim was denied. I already called bank of america and they just keep transferring me back and forth between departments and I get no help. A week later I call back and I finally get someone on the phone and she tells me she cant reopen the claim because it has already been denied twice.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I received a Loan Modification from Ocwen Servicing ( loan # XXXX ) in 2012. Recently they have informed me that the modification never happened, even though I have documentation from them that I was approved, and I have never been late or missed a payment in XXXX years. ( Since I went on the home modification loan ) XXXX XXXX XXXX with the XXXX XXXX is assisting me, she has all of my documentation. ( XXXX ) XXXX case # XXXX. I also sent all of my documentation to XXXX XXXX XXXX XXXX XXXX expert with the Virginia Office of the Attorney General.. ( XXXX ) XXXX. Ocwen recently sent me a letter through their attorney, XXXX XXXX XXXX ( XXXX ) XXXX that they were in the process of foreclosure. Please help me. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Have lived here XXXX years. The wife and I recently retired as XXXX. Thanks so much!!
Consumer complaint received 2016-05-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I spoke with a company called XXXX and explained that I could n't afford to make a payment on my Capitol one account that day but I would call back on XXXX/XXXX/16 and set up payment arrangements on the account. I am not sure of the date that I spoke to them about the payments but I believe it was around XXXX/XXXX/2016. 
Today I recieved a phone call from a relative that I have n't spoken to for two years saying she spoke to someone from the same company who told her that I was in default on my Capitol one credit card. They gave her my balance, told her that they spoke with me about my account and that I told them I would call back to make payment arrangements and never called them back. They gave her a date that they spoke with me and everything!! Now that relative has told my whole family that I can not pay my bills and is dragging my name through the mud. I called XXXX agency and spoke with a manager named XXXX and he told me he would look into listening to the call and apologized for what happened. After speaking to him I decided to call back and make a request to hear the call, and XXXX stated that he did n't believe there was a way to do that. I have contacted my lawyer because I believe my FDCPA rights have been violated.
Consumer complaint received 2017-03-05
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE (SC)

The below copied transaction was made using my stored identity data housed with Western Union. Please look into this matter and warn consumers that Western Union has been compromised. I have reported this via phone call to Western Union 's fraud department. The tracking number is XXXX. I will also be emailing Western Union 's customer support to all my information removed. 
XXXX, Your money transfer 's complete. 
XXXX will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
Need help? Chat online or call us toll free XXXX at XXXX. 
Thanks for using Western Union. 
For a mobile transaction, this is your receipt. For all other transactions this is a summary of your online receipt.Your tracking number ( MTCN ) is : XXXX. 
Transaction Date : XX/XX/2017 XXXX ET Sender : Name : XXXX Address : XXXX CT City : XXXX State : SC ZIP Code : XXXX Phone Number : XXXX Receiver : Name : XXXX Country : XXXX Expected Payout Location : XXXX
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (MD)

I use XXXX XXXX on-line banking to pay my bills. XXXX of the payees is for a Citi XXXX ending in XXXX. In the last several weeks, I requested XXXX XXXX to obtain e-billing from Citi for this credit card. This request apparently allowed Citi access to my on-line banking account. When I checked my on-line banking account on XXXX, I discovered that the information regarding card ... XXXX was missing, and it had been replaced with another Citi XXXX ending in ... XXXX. In addition, all summary information ( monthly payment info ) for card ... XXXX was now missing. However, the summary info for card ... XXXX now contained the information that would have been correct for card ... XXXX. 
I should stress that I am receiving billing statements from Citi only for card ... XXXX. I have never applied for or authorized card ... XXXX. 
It is my belief that card ... XXXX is a ghost card account opened by Citi without my permission or knowledge, similar to that which XXXX XXXX was recently investigated for. I have contacted Citi requesting all applications or other paperwork regarding card ... XXXX. The request to Citi contained the complete card number for ... XXXX.
Consumer complaint received 2016-05-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express changed the terms of agreement without informing me. American express began calling me every day to collect the full amount of debt instead of letting me finance the debt as I have with Amex for YEARS. Every day they ask for the full amount. When I tried explaining to them they advertise that I can finance the debt they stated that the calls will not stop until they get paid in full. They are now paid in full but they have mistreated me as a customer. American express refused to work with me even though there is no policy stating I had to pay in full.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO. (MI)

On XXXX/XXXX/XXXX, I filed a CFPB complaint # XXXX concerning XXXX ( XXXX ) Chase credit card accounts. After going through Chase suggested " money counseling '' and provided the information they requested, the attached XXXX XXXX response resulted. ( copy attached ) Since that time, Chase has kept the account active by monthly reports to XXXX ( XXXX ) credit reporting bureaus '. Accounts ending in XXXX and XXXX were officially closed as a " Charge Off, : XXXX account in XX/XX/XXXX and the other XX/XX/XXXX. Chase eluded to the fact if the consumer agreed to follow Chase procedures, there would be no negative credit reporting. For example, using the term " Absorb. '' By reporting this negativity, Chase also failed to provide the consumer amble notice of any negative reporting to credit agencies. FCRA, ( 7 ) Negative Information : ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( Quoted from the XXXX XXXX FCRA edition ) In fact, the entire process requested by Chase was to avoid negative credit reporting. It must also be noted that the XXXX, mentioned in XXXX XXXX ' letter, has never received. Upon discovery of Chase recent actions, a letter dated XXXX XXXX, XXXX was sent to Chase Card Services Executive Offices which included a copy of their XXXX XXXX, XXXX letter. Within the XXXX XXXX, XXXX, was a request to correct the information Chase provided the credit reporting agencies. To this date, Chase has not replied.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (CA)

DIVERSIFIED CONSULTANTS, REGARDS TO XXXX ACCOUNT THEY ARE CALLING MY WORK, MY FATHER 'S CELL PHONE AND MY MOTHER 'S HOUSE PHONE. THEY DISCLOSED ALL THE INFORMATION WITH REGARDS TO THE DEBT WITH MY MOTHER AND FATHER. THEY ARE CALLING MY DAD AT WORK FROM THIS NUMBER XXXX. I ALREADY MADE PAYMENT ARRANGEMENTS WITH REGARDS TO THE DEBT. I DO NOT UNDERSTAND WHY THEY ARE STILL CONTACTING MY PARENTS, WHO HAVE NOTHING TO DO WITH THE DEBT. THEY ARE DISCLOSING SENSITIVE INFORMATION WITH OTHERS. MY FATHER JUST CALLED ME RIGHT NOW SAYING THAT THEY CALLED HIS NUMBER 4 TIMES ALREADY!! WHAT CAN I DO?
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

Our house was badly damaged by Hurricane XXXX almost four months ago. We have filed insurance claims for both wind and flood damage. Our major claim for flood damage was finally approved and we received a check made out to my wife and me, Wells Fargo, our primary mortgage holder, and XXXX where we have an equity line. We were very excited to receive the check so we could get our house repaired. Most contractors here want 50 % payment in advance. When I brought the endorsed check to our local Wells fargo bank, I was told that the manager would not endorse the check. We had to send it to the wells fargo Loss Protection Group and they would distribute the funds to us as the work was completed. That was the first we heard of anything like that. We filled out several forms and uploaded documents to file our claim for reimbursement. We were told that we had to have XXXX single contract for all of the work required. I said that we would like to save some money by doing some work ourselves and using multiple sub contractors. I believe that a form has been filed to allow this, but have not received any decision. I have talked with XXXX people at Wells Fargo Loss Protection and i have their names. XXXX was a supervisor who was very pleasant and helpful. She said she would call us the next day ( which was early this week ) with some answers. I have left several messages for her and received no response. 
We are living in the upstairs bedroom of our house. We just had our main contractor install insulation and drywall so the house is sealed up. The first floor is bare concrete since nearly all the flooring was removed due the the flood. It is very difficult to live with no plumbing in the kitchen and there is dust everywhere from the drywall work. Since the major damage was from flooding, there is no relocation allowance so we have no alternative but camping out in our house. 
We would like to get the restrictions removed from the insurance reimbursement check so that we can pay our contractor for the work already done and get the rest of the repairs scheduled.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

SUNTRUST BANK is charging business owners {$75.00} to make payroll changes for employees that are paid with paper checks. I 've asked on numerous occasions if this is their policy and if so, please provide proof. They have yet to do so.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (KY)

I learned via XXXX that Credit Control Service has filed a debt collection of {$200.00} on my XXXX credit report ; however, I do not owe this date and know nothing of it. Credit Control Service appears to be a 3rd party vendor and they have not attempted any communication with me. I believe they are doing this illegally and want the debt removed from my credit report.
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (MN)

This complain is against U.S. Bank Mortgage Home Mortgage, XXXX Minnesota office. 

I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( XXXX XXXX Form XXXX ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federal crime punishable by fine or imprisonment or both to knowingly make any false statements concerning any of the above facts [ my financial condition ]. ... '' While I questioned U.S. Bank, as instructed, I did sign the incomplete Uniform Residential Loan Application. However, I remained concerned with U.S. Bank 's actions. Therefore, I drafted a properly completed Uniform Residential Loan Application and provided it to the Bank. Thereafter, for reasons unexplained to me, the Bank purposefully burdened the application process with requests for documentation that were not timely in relationship to my expected closing and were unreasonable in number and in the nature of the information being sought. 
Several days before the closing when the Bank was still asking for documents and would not commit to fund the loan, I sought financing elsewhere. I believe the Bank purposefully burdened the entire process on account of my insistence that the Uniform Residential Mortgage Application be truthful. 
I feel that U.S. Bank 's actions in insisting that a mortgage applicant sign a document that is not correct and that might subject that person to prosecution for a crime to be wrong.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MS)

The lender was provided our third part authorization XX/XX/XXXX - we have spoken to the lender hundreds of times since then and was provided a loan history report by a rep on XX/XX/XXXX and on XX/XX/XXXX we were advised that our TPA is no longer valid and that the client needed to provide authorization to the lender for them to speak to us on the clients behalf - The lender is in violation of the clients right to counsel - XXXX XXXX has not required this on any other loan that our firm handles for their clients - More than XXXX files to be exact. We feel the lender is delaying the request for assistance and not willing to assist the client due to making this unacceptable request to assist the client with saving their home.
Consumer complaint received 2017-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX 's client XXXX XXXX is an identity theft victim ; someone used his information without his consent to try and obtain several credit cards however those applications were stopped due to his 90 day fraud alert placed on his credit reports. The fraudulent applications resulted in inquiries on his credit reports that he never authorized. A formal dispute of those items was submitted to each of the named creditors to have the inquiries removed however those inquiries are still being reported.
Consumer complaint received 2017-03-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I had a mortgage with Green Tree and now I see it 's Ditech. I would get calls saying the mortgage was n't paid or was behind so I figured the ex wife forgot and paid it. This went m for yes. For some reason it seem like they were always saying it was behind. I seem to see money being taken out by Green Tree and never gave them authorization to. One day after my device I got a call from them say my ex wife was 6 months behind so end up paymg the whole 6 month. At the end of 2012 I got something from them saying they were forclousung on me and it was n't behind. I got so sick of them I so go head. I had a manufactured home. The came and repo it, sold it and never removed the money from the total. Now they are say I owe them XXXX. That is not true. For all the year of double charging me and selling it they should be a XXXX balance.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ME)

Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service.
Consumer complaint received 2015-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I contacted Wells Fargo to request XXXX checks be stopped. I made XXXX phone calls to do so on XXXX ; the XXXX was directed to their " Premier '' group due to my account status. That person, XXXX, keep confusing the relevant information for my request ( check number, dates, etc ) while simultaneously emphasizing that if the information was n't exactly perfect, they would ignore my request and process the check. Since the check in question was {$6600.00}, this concerned me greatly. I called again, was somehow not routed to the XXXX and this time reached someone who so clearly was under pressure to reduce her call handle time that she was essentially useless. She seemed concerned only with getting me off the line and finally attempted to do so by telling me that I need to go to the nearest branch. She then attempted to terminate the call. Are n't financial institutions obligated to at least provide basic service such as the processing of stop-pay requests? As a " Premier '' member, a service that I pay for, I would expect better but I would still expect that at the most basic level, they 're legally obligated to provide far more than I received.