davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

We closed our HELOC loan with paid in full disbursement to Wells Fargo on XXXX XXXX, 2014. However, we were charged with XXXX interest payments in XXXX 2014. Wells Fargo received the first interest payment @ {$230.00} on XXXX/XXXX/2014 ; and then, Wells Fargo received the XXXX interest payment @ {$270.00} on XXXX/XXXX/2014. We believe the dollar amount of {$500.00} for interest in XXXX month was an overcharge on our HELOC loan. Also, Wells Fargo charged us {$40.00} for the county recording of our reconveyance. However, the county fee for this service is {$14.00}. We believe we were overcharged for this fee.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WI)

It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from Equifax that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something XXXX did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with XXXX that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (ID)

I had a credit card issued by my credit union. Since the credit limit was so small, i almost never used it and it was sitting in my safe for a year. I was checking my credit scores online and noticed I had a missed payment on this card so I tried to go online and see what it was, since I had n't used the card. My online account was locked out because by this time I was in collections. At least this is the reason i eventually got. I made several calls trying to clear this up and it went into a fraud investigation. By the time they did anything about the fraud charge, now i have XXXX missed payments on my credit report. I called a XXXX times and sent a dispute letter to try and fix this problem, to no avail. The response I got back was that the account is not reporting, but when I look on XXXX, there it is. The last call I made to them got the usual transfer around and then to a voicemail box I have n't heard back from. This it typical, usually i finally either get lied to that it is fixed or transferred and hung up on. I got the card through XXXX XXXX XXXX XXXX, it is serviced by XXXX XXXX XXXX, which I think is part of US Bank. If I had known the credit union was n't servicing the account and would n't help me with any problems, I would never had accepted it.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

OnXXXX/XXXX/2015 I sent in a credit report dispute by USPS Certified Mail to Experian Dispute Department. And as of XXXX/XXXX/2015 they still have n't started my investigation into the medical collection accounts that I have no knowledge or records of the listed accounts. And since it has been past the 5 Business Days that the FRCA allots them accordingly to 611-15 U.S.C.1681i ( a ) ( 2 ) ( A ) *SEE ATTACHMENT # XXXX. I would like the XXXX trade lines for XXXX XXXX deleted or removed, and/or compensated {$1000.00} for each trade line that was not investigated in a promptly manner accordingly to the FRCA1681i ( a ) ( 2 ) ( A ).
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I contacted Citi on XXXX XXXX at XXXX at XXXX. The representative was unable to locate my account when searching by the account number, numbers at the bottom of a bill, my social security number or my full name. She thought this was very strange and I was very upset. I advised her that I have been paying this bill every month and I am extremely concerned that I pay them {$80.00} per month ( or more ) for an account that they are showing no record of. How can a creditor collect a debt from you that they can not even track in their system?
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

Unable to find a way to file this type of complaint through the dispute system for Experian. My credit score dropped from XXXX two weeks ago to XXXX this week. There is no reason documented in my credit report why it should have dropped, all XXXX of my credit accounts are in good standing and never late. i have been paying XXXX accounts to XXXX every month. There are no major inquiries into my credit. There are XXXX old old negative accounts due to a real-estate short sale in 2010 but they have been accounted for all this time. there is no indication as to why is would have dropped. They keep mentioning that missed payments are the biggest reason for drops in a credit score, but i see no account or know of any account where I have missed a payment or was late on a payment. I would like to have a reason or have my credit score restored to the XXXX that it was before. Thank you. -XXXX XXXX XXXX
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express ( AmExp ) invitation letter asking me to open an AmExp Premier Gold Card in XXXX 2015. The invitation stated that XXXX bonus member reward points will be granted after spending {$1000.00} in the first three month. I called to apply the Gold card and submitted my invitation code that was printed on the invitation letter on XXXX XXXX, 2015. It was communicated clearly on the recorded phone line during the application. 

I made more than {$1000.00} eligible purchases on the card and paid in full on time by XXXX XXXX, 2015. As today, I did not find the XXXX bonus reward points posted in my account. I contacted AmExp customer service, shockingly to me that AmExp had CHANGED the terms of my contract and XXXX points would NOT granted to me. Because they were unable to find both the marketing letter sent to me and my application phone record. 

I was very upset of this finding. I believe that AmExp breached the contract with me and their marketing technique was deceptive and overstated the benefits. Being an AmExp credit card holder for more than 30 years with XXXX FICO scores, my trust to AmExp was broken. I stopped using this card. I contacted my legal adviser for this matter. 

I requested XXXX to investigate my case again. if unsolved, legal action will be taken.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX XXXX sold my loan to SLS www.sls.net on XXXX/XXXX/2015. XXXX sent my payments during transition via wire transfer. SLS never credited $ XXXX in funds ( transaction # s, dates, times all provided in writing ), then said they would foreclose because we had not paid. Made payments through bank online bill pay and have documentation, next they began returning online payments because the account was closed. Sent XXXX cashier 's checks totaling another XXXX they have never acknowledged payment for and now say we owe them a huge amount of money. They are also not properly paying our taxes which are in escrow in our payment. Our home has $ XXXX in equity in a very desirable area for schools, etc. We know they want to take the property and sell it quickly. We do n't know where to go for advice that is legitimate. 
XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

We refinanced our home in XXXX of 2015. We took the mortgage out and Ditech Financial LLC turned out to be the loan servicing company ( Originally it was Green Tree but they were bought by Ditech XXXX. Our loan paperwork says our mortgage is set up to put taxes into an escrow account and the money is included with our payment each month. On XXXX XXXX, I called ditech regarding my taxes not being paid. The person I spoke with said my account was not set up for tax payments. I told him I have a copy of my mortgage saying I should be. He said he would submit a " Research Request '' and that it would take 14 business days. 
I called back on XXXX XXXX around XXXX and was informed it had not been the full 14 business days and I should call back tomorrow - even though there were only a few short hours until the end of their business days. 

I called back on XXXX XXXX and spoke with XXXX in the tax department. She indicated there was n't anything in the notes regarding the results of the research request. I told her this was unacceptable, as it 's been two full weeks and my taxes are still not paid. I waited on hold for close to an hour, hoping to speak with a supervisor. Apparently there was n't a supervisor available. XXXX said she spoke with someone from Customer Service regarding my account and that they indicated my account was not set up for tax escrow. XXXX told me she would submit an " Escalation Request '' for me but that escalations can take up to 3 business days. She told me a supervisor would be calling me back within the three business days. 
I never received a phone call, so on the fourth business day XXXX XXXX XXXX ) I called back and spoke with XXXX again. After waiting on hold for more than 30 minutes for a supervisor, one could not be found for me to speak to. XXXX then completed a XXXX way conference call between her, XXXX the customer service representative and me. XXXX also confirmed my account is not set up to escrow taxes. XXXX provided me with the following directions : Fax a copy of the pages of my mortgage where it states my taxes should be paid via escrow to both customer service and the tax departmentProvide a cover letter giving my name, account #, Block and lot numbers, an explanation that my taxes are not listed on the escrow line and the request to have my taxes paid. 
I sent the cover letter and requested information to XXXX fax numbers on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 
XXXX indicated it could take up to 5 business days to correct the issue. I will call back on XXXX XXXX. 
After daily calls to Ditech Financial LLC the issue is still not resolved.
Consumer complaint received 2015-05-08
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: QC HOLDINGS INC (ID)

A debt collector called and said that they are collecting from a pay day loan company that we owe money to. We informed them that it was paid off years ago and they said it was not. They said that if we give them our debt card number that they would only charge us for a smaller amount rather then the whole thing. We said no and that is when all XXXX broke loose. He told us that he was going to take our car, license, bank account, house, everything. He also gave names and phone numbers of everyone in my family and said that he was going to call all of them. He did and used different names and different debt reasons. He also said that he has had people fallow us and has surveillance of everything we have done over the last 4 years. At this time we hung up and as soon as we did he call my father, mother and sister. At that point I called FTC and they had me talk to the FDCPA
Consumer complaint received 2015-11-22
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (TX)

I purchased Reloadit brand reload packs for a XXXX prepaid card. This company requires you to load these packs into an online 'safe ' and then from there you can load your card. The website allowed me to load these packs into my safe, then would n't let me load them to my card. I logged out and came back later to find the company had locked me out of my own safe. I called their customer service line numerous times. I was accused of stealing these packs and was told I must provide proof that I bought them. They considered it suspicious to have purchased these packs from more than XXXX location with days between each purchase. At XXXX point they even said I should expect to be contacted by the FBI. 
The customer service representative gave me an email address to send the proof that I had purchased the packs. I was required to send photos of the reload cards and receipts. I was also required to provide a photo of me holding a government ID. I emailed everything the same day. I called back a week later and the person told me he never got them, then asked for my landlords telephone number to prove I live where I said. He started counting down from XXXX, when I would n't give it to him he hung up on me. I called more times. They put me on forever holds on more than XXXX occasion ( that 's when you get put on hold with no intention of them returning to the line, XXXX minutes without checking in ) They locked my account permanently with {$650.00} dollars in there. 
A number of days after being told by phone they never got my email, somebody responded to the email I sent them. She asked for more information and was quite polite. Then she called me to confirm my address for the refund check. 
Still no check. I emailed her and now she is unresponsive too. This has been going on for months. Every person I call now says there is no way I 'm getting my money back. I recently called them again to try to resubmit the information they require. They said they wo n't be making any effort to resolve this issue and my money is gone.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-09
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (FL)

I opened a 24 month CD on-line. On my XXXX statement I noticed a deduction of {$38.00} for " Backup Withholding ''. I called the customer service number and after being on hold for XXXX minutes I was told that " backup withholding '' was deducted from an account when the social security number was n't available. They verified that mine was available, had always been available and that it was an error. They gave me a case # ( XXXX ) and said I would be contacted in XXXX hours. That was 10 days ago. I received an email telling me there was a message for me in the customer message center. The customer message center has n't worked in over a week. No one on the phone cal tell me what the message is or the status of my problem. No email, no live chat, a message center that does n't work and a calling center that just does n't care adds up to horrible customer service.
Consumer complaint received 2015-07-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (CA)

SYNCB shows a charged off account. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
Consumer complaint received 2015-10-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (TX)

I have been paying on my student loan serviced my Sallie Mae since I began gainful employment. I have been paying the minimum amount, but numerous late feed were added to the account and they will not work with me on adjusting the amount, although I am making monthly payments. Therefore, I receive up to XXXX ( XXXX ) phone calls per day. Initially, I would attempt to discuss the late fees that had been assessed but received no assistance. I was told repeatedly by XXXX of the collectors " Pay yo bill, pay yo bill, pay yo bill ''. After that incident, I quit answering the phone. 
I am attempting to pay all of my student loans in a timely manner. Sallie Mae is the XXXX organization that will not work with me whatsoever and repeatedly call me everyday from XXXX to XXXX. Any resolve you could offer or assistance in how I should approach this organization would be greatly appreciated.
Consumer complaint received 2015-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (IL)

On XXXX/XXXX/2015 they called and I spoke to a representative whom refused to provide further information as to the proof of the debt without a payment arrangement and payment account information from me. That call was at XXXX then I received an automated call at XXXX the same day. Just today I received XXXX automated calls within XXXX minutes of each other.
Consumer complaint received 2015-10-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX 2015 I applied for mortgage refinancing to Citizens Bank. I sent all information and I disclosed everything in writing. During this time I got a better offer from another mortgage company, but I was told by the loan officer XXXX XXXX their policy is to match all offers, to get the business. The process was very slow, and we provided all the required information with no delay. Loan officer assured us that we are all set with the application and we need to pay the appraisal fee in the amount of {$470.00}. The appraisal report came after one week, but with wrong information ( only half of the house was appraised XXXX sq.ft instead of XXXX sq.ft ). Right away we contacted XXXX XXXX, our loan officer, and again we were assured to keep going with the process and correct this after we will obtain the refinancing ( in his opinion to correct the appraisal report will slow down the approval process ) .After couple weeks, the application was denied and my fee of {$470.00} never returned to me. We were trying to contact XXXX XXXX by phone or email and he never responded to us. In this situation we manage to reach up to the manager of that department - XXXX XXXX. He understood our situation and he assured verbally and by email that we are entitled to get our many back ( see attachment ). Couple times we were told that we neglect to check our credit card, because the money are returned already. Also we had a XXXX way call with XXXX, us, and our credit card company representative. After 4 months XXXX XXXX, XXXX, XXXX, XXXX ) of communication with XXXX XXXX we did not get our money back and now, like the loan officer he stopped to respond to our emails or phone calls. 
At this point we feel like we need help from your bureau to get our many back. 
Regards, XXXX XXXX XXXX home
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ballybunion Enterprises, Inc (DE)

I received a loan from Military Credit Services in XX/XX/XXXX, I purchased a debt protection clause with the loan that would grant me relief of the debt if I was discharged for medical reasons. I was discharged in XX/XX/XXXX and found XXXX service connected XXXX. The company failed to grant me the relief as stated in the debt collection clause of the loan and has sued and reported a judgement on my credit report as well as reporting a collection lawsuit for the same loan.