davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about a financial situations that occurred XX/XX/XXXX and XX/XX/XXXX. I have XXXX credit card, XXXX XXXX, and XXXX Mortgage, XXXX. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Equifax needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, one really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card and a mortgage. The mortgage will be done soon. So I will only have a credit card.
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MO)

I discovered I had XXXX bills on my credit report. Suspiciously, both for exactly the same amount, XXXX. The company listed was E.R.C., so of course that meant nothing to me. Through diligent efforts, I found the bill was from sprint, which I had no bill sent to me, since the final bill about 5 years ago.
Consumer complaint received 2016-02-29
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

I went through a bankruptcy in XX/XX/XXXX through XX/XX/XXXX. I received a chapter XXXX discharge. As part of the bankruptcy process I surrendered real property which has an address XXXX XXXX XXXX, XXXX, GA XXXX. I immediately vacated the real property and did not force the lienholder to evict me. The mortgage was serviced by Everbank. I have recently attempt to rent a home. Through this process, it has come to my attention Everbank is reporting they filed an eviction action against me ( though they list they evicted me from XXXX XXXX XXXX, XXXX, GA XXXX. This report is fraudulent and I believe it was reported as a punitive measure because I filed for bankruptcy protection. I was never served any paperwork and I was never given an opportunity to defend myself. The listing is wrongful and is causing me actual harm. I have contacted Everbank and they have callously refused to correct their misrepresentation. They are willfully taking action which iskeeping me from even renting a home.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I never received any notifications from Union Bank about needing proof of insurance on my mortgage. ( I verified that they have the correct email and text number, but I received nothing. ) They did have an incorrect mailing address ( which I could not have given them ), so maybe they sent something by postal mail that I never received. They proceeded to purchase hazard insurance, again without informing me, even after the fact. Then even though I have my mortgage premium on auto-pay and have never missed a payment, apparently I was getting behind and having late payments assessed because I was not paying them back for the hazard insurance I did n't know about. I ca n't believe it is legal for them to do all this without ever contacting me or calling me. I only even know it happened because they FINALLY called my home phone when they sent me to a collection agency. A simple call to that same number that they clearly have in their system would have prevented all of this.
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (NY)

While reviewing XXXX that a collection notice was placed on my report. I attempted to contactTJX XXXX arguing that I dispute the validity of the debt without success. I personally contacted XXXX, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the TJX as a matter of law and XXXX has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.
Consumer complaint received 2016-02-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

For the past several months, I have been getting AUTOMATICALLY locked out of my Wells Fargo Dealer Services Auto Loan account. This is despite not even attempting to log on. I have signed up for online services only ( ie paperless ), so without online access, I can not pay my loan. The scenario is as follows : I attempt to log on, it tells me I am locked out. I change my password and am given access. I view my account and log off. The following day, I receive a message from WFDS that I am again locked out ( which I am. ) These messages have been coming for several months. I have called customer service 4x and have been given various explanations, none of which make sense : " you do n't know your password, '' " you are cutting and pasting the temporary password '', " you 're not logging off properly '', etc. Each time I have called, I have been promised follow up, and have received none. 

Finally, on XXXX/XXXX/2016 I called and was connected with the Office of the President. I spoke with XXXX, employee # XXXX and explained my entire situation to him. He told me that he would call me on XXXX/XXXX/2016 to follow up, but has not. The case number is XXXX. 

I have extensive documentation ( ie 100+ emails ) supporting my claim. I am unable to pay my car loan because of this issue with WFDS. I am concerned that my credit will become adversely affected if I am not given proper access to my account. I am reporting this issue to XXXX XXXX as well. 

I am attaching multiple attachments. This is NOT an exhaustive list of all the emails that I have received from WFDS ; it is only a sampling and I began receiving these daily emails months ago. Also note that I was NOT being locked out of my account because of failed log-in attempts - these lockouts were automatic.
Consumer complaint received 2016-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

My name is XXXX XXXX, I attended XXXX XXXX XXXX in the XXXX of XXXX. I received federal and private loans through the financial department at school. Basically I had gone through the program and there had been technical issues with an online XXXX class, at that time they were just starting the online classes so there was many technical issues. I lived two hours away from campus and could not afford to attend anymore, also because the XXXX class was a general education course I could just take it at a local XXXX college. I was told that I would not be allowed to do that. During the recruitment I was told outside credits could be transferred in. I 've paid close to {$30000.00} and have no degree to show for it. I 'm still paying off the loans because of the fear of XXXX my credit, plus when things were explained I was told all the loans would be similar in interest rate. All the loans were 2-3 % and the XXXX private loan is at 9.5 % I did n't even know an organization like yours existed, if I did I would have made a complaint a long time ago.
Consumer complaint received 2016-02-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Collection agency Gulf Coast Collection Bureau , Inc. has sent me a late 30 day notice on a debt to the wrong address, leaving me little time to dispute debt. Debt notice dated XXXX/XXXX/XXXX, but only received on XXXX/XXXX/XXXX, leaving me little time to respond. 
1. Debt in dispute is from XXXX XXXX for unwanted and unnecessary services on XXXX/XXXX/XXXX. I had no injury and no complaint of pain. 
2. I signed a Patient Refusal form XXXX/XXXX/XXXX at XXXX on XXXX XXXX, XXXX XXXX. 
3. The Paramedic erased my signature, and altered a medical record -- a violation of Florida Statute 395.302. 
4. In email XXXX/XXXX/XXXX, the XXXX County Director of EMS and Fire Administration admitted the signed Patient Refusal form was erased by the Paramedic, and said the Paramedic would be given remedial training to ensure that patient signatures are saved. 
5. XXXX actions in destroying my written refusal of treatment and transport is BREACH OF CONTRACT.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MS)

I disputed information on Experian disputes for credit card accounts that were past thpast the seven year limit and they did not remove them. They changed theaccount date which was XXXX to year XX/XX/XXXX which is not true. tried todispute info again and Experian will not allow you to dispute online unless youpay for it. they also did not allow me to go back and view my dispute but once, event though the 30 day limit was not up. there is no contact email so you cansend any complaint issues and they put inaccurate verification information soyou ca n't even verify your identity in order to dispute anything online.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I received notice from mortgage company ( Seterus , Inc . ) advising a late charge fee of {$90.00} was assessed on my account for XXXX 2015 payment. However payment was paid online within time constraints and was not late. I called customer service and was advised to submit in writing request to reverse late fee. I sent by fax and mail on XXXX XXXX, 2015. On XXXX/XXXX/15 I received a letter from Seterus XXXX XXXX advising late fee assessed to my loan on XXXX XXXX, 2015 has been waived. On the statement dated XXXX/XXXX/15 the late charge of {$90.00} was billed and listed under the " activity since last statement. '' The following XXXX statements dated XXXX/XXXX/15 and XXXX/XXXX/15 does NOT reflect the late charge being reversed on my loan. Today I contacted Seterus, Inc customer service and spoke with XXXX XXXX and she consulted with her supervisor XXXX XXXX XXXX and they advised that the charges have been reversed as stated in their letter dated XXXX/XXXX/15. I requested proof that the fee had been reversed because it is not reflected on my account statements. I said if the late fee is charged to my account then the late fee should be listed/record as being credited back into my account under the " activity since last statement '' just like the fee charged on my account statement dtd XXXX/XXXX/15. She advised my letter was the proof. I said that there should be an accounting trail for the fee charged and credited. I filed a verbal complaint because proof of credit for late fee has not been provided and I believe the amount was only added to my loan total ( complaint will take up to 30 days for response. ) She also said she would send payment history and mail to me with XXXX business days.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently, Bank of America lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Bank of America promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did to me.
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (CA)

As agreed with XXXX XXXX XXXX on XX/XX/XXXX, I have been paying {$50.00} at the end of every month for a settlement with Best Buy. I lost my job on XXXX, and I informed this agency of my financial issues. However, I told them, I would make every effort possible continue making the payment as agreed. I have done so, and now XXXX of their employees is calling me on the phone asking about the payment, and calling me a liar. I process the payment through the bank payment services, and I tried to tell him that, and that I had done that several days before. The guy started yelling at me on the phone repetitively calling me a liar. I do n't deserve to be talked to that way, so I hanged up.
Consumer complaint received 2015-10-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XXXX the XXXX I deposited {$440.00} cash into the ATM at Fifth Third Bank located XXXX XXXX XXXX XXXX XXXX KY. The ATM failed to finish my transaction and gave me my card back however it did n't give me my money or a reciept. I immediately went into the bank and explained to the manager what happened ... she told me due to me not banking with them and having a XXXX XXXX Bank account they are unable to give me my money that I would need to file a dispute with my bank. I did file the dispute and my bank gave me a provential credit on my account to cover the {$440.00} until they recieved the money from Fifth Third ... On Monday evening XXXX/XXXX/15 I noticed my checking account was overdrawn and when I called my bank they said they had debited my account {$440.00} bc they never recieved a response from Fifth Third Bank and they told me I would have to call the owner of the ATM and try to get a refund. 
I contacted Fifth Third Bank first thing Tuesday morning and explained the situation. I was told the manager was on vacation and was given an XXXX number to call. Upon calling the XXXX number I was told they ca n't give me any info I am not their customer ... I then called the bank back and explained again I need this money I am a single mother and this is a lot of money ... I kinda felt like I was just blew off when I got the response " I will have to pull all the records for each transaction that day and it 's probably going to take at least a week for us to figure anything out and I will call you if I find something out next week. '' I have tried to call again and no one will speak with me I just get " she 's working on it and will call you back when she figures it out '' I have also called the reginal mananger and left several voice mails that have not been returned. It seems to me that ATM have camera 's and they should have a log of each day 's transactions and end of day balances. I am not understanding why it is taking them so long to look up infomation that should only take hours to find.
Consumer complaint received 2015-03-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (NY)

" XXXX '' from United Recovery Systems ( URS ) ( XXXX ) keeps calling my client, XXXX XXXX for a debt that she either does not owe or was fully paid in a settlement ( attached ). 

URS is contacting a represented party ; misrepresenting that a debt is due when it is not ; and harassing a consumer without any defense.
Consumer complaint received 2015-05-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Financial Business and Consumer Solutions. (OR)

On XXXX XXXX, I received a phone call at work with some one stating that I owe a debt. I have received nothing in the mail from this company ( XXXX ). After informing them that I have n't received any thing in writing they stated that they emailed it and it was valid. I Informed them that I require every thing by mail. I have yet to receive a debt collection notice. On XXXX XXXX XXXX called at XXXX XXXX. After informing them of the time, they said it was XXXX in XXXX. After verifying my address, I informed them that I was a legal resident of XXXX and all phone calls need to be in the timezone in which I reside, not where my cell phone number is from. I have yet to receive a letter stating that I owe a debt. They have also failed to provide me with proof that they are a licensed debt collection agency within the state of XXXX. There has been nothing changed on my credit report, and to my knowledge I do n't owe any one.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

For the past year my family and I have been trying to process a mortgage loan modification with ocwen loan servicing, when we first started we were under the assumption from the representative all we have to do is fill out the packet of documents and provide all the documents necessary to process the application which we done so, the relationship manager at the time indicated it would be under review, but had indicated we had all the necessary documents that were provided. Then after a month went by ocwen had changed the relationship manager, so the new manager had us restart the process all over again. this seems to be recycling every 2 months to the point the documents become out dated, nothing getting expedited. I believe we have gone through XXXX relationship managers to date ( as of XXXX 2015 ). It is becoming almost impossible to get a loan modification in order to help my families financial situation. we need help and assistance, thank you
Consumer complaint received 2015-10-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

Over the course of the past 2 weeks I have been dealing with fraud on my account with Wells Fargo. There have been XXXX major claims filed and each time I am hearing that it may be up to 10 days before it is resolved. Before the first issue is resolved, another fraudulent activity has shown up. I can not even get back to XXXX. I ca n't close the account because I cant get my money out. I have no way to live on a daily basis because I can not get my money back to pay bills, the mortgage, put gas in my car, or buy groceries for my family. Wells Fargo seems intent on following protocol and letting my family and me suffer. I am not getting anywhere talking to them and I am just a series of case numbers to them. All of this time I am getting overdraft fees and other fees related to someone else draining my account! It does not matter that they say they will take care of it in less than 10 days because right now I am drowning!
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Went to XXXX for my free credit report. Clicked on Transunion report ; got an error message saying I already received one this year. That is not true. I had my credit report file right in front of me to make sure I pulled the correct one. The most recent Transunion was pulled in 2012 by my attorney 's office using their software interface. 
So I was really XXXX when the next screen from TU was a " come-on '' to sell me my free credit report so I clipped that screen to OneNote to upload with this complaint. I XXXX this issue and learned that TU has been running this bait & switch for quite awhile. Is Transunion ever going to be slapped down for this? How about a swarm of locusts, or better yet a swarm of auditors & investigators from Treasury & Justice to poke around awhile. Nothing but a license to steal, or maybe XXXX from XXXX services got a new gig?
Consumer complaint received 2015-08-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was accessed an overdraft fee for a little over {$1.00} being overdrawn for less than a few hours. I 'm not denying the validity of {$35.00} fee, but I would like it waived as I do n't feel that the circumstances surround the fee justify it 's amount. I also received another {$35.00} overdraft fee, two days later, when my account, once again, was overdrawn for less than a few hours. 

On XXXX, I called the call center XXXX times and spoke with XXXX different managers. They all told me the same thing - we waived a fee for you in XXXX and we 're not going to do it again. And each time I told them that I would leave the bank, they said " we 'd hate to see you leave, but we 're not returning the fee. '' I even went above them and called a Customer Advocate who told me the exact same thing - I was confused who she was advocating for at that point, because it was clearly not the customer. And the same thing with her - she was willing to let a loyal consumer leave the bank before she budged an inch with waiving the fee. On XXXX, after being assessed the second {$35.00} dollar fee, I used the " chat with us '' system. I told the customer service representative what had happened, and he stated that if it was going to be resolved by being taken off of my account, than the first representative would do that. I then told him that I was going to file a complaint and he insisted that I wait for his manager. While waiting, I received numerous " we 're busy, we 'll be with you in XXXX minute '' responses. Nothing was resolved. 

I 've been with Bank of America for over five years. It has n't always been perfect, I 've gotten overdraft fees before - I 've paid some and I 've had some waived. At the end of the day, I 'm still a good customer with XXXX accounts, a credit card, and I 've told many people good things about the bank when they inquired about where they should do their banking. 

I would like to see the bank waive the {$70.00} in overdraft fees. If they are not willing to do that, than I would like to withdrawn my funds and begin banking somewhere that wants my business more than they want a fee.