davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

Approximation a year and 1/2 ago I was searching for a part time job over the internet to supplement my full time job to help my children pay for college. I was offered a position but it unfortunately was a fraudulent scheme. Unknowing that it was fraud, I took the check that they sent me and opened an account with Well Fargo and deposited the check. No money was withdrawn. Upon the check not clearing, Wells Fargo then closed the account which I completely understood. Well Fargo said that this incident will not remain on my record and encouraged me to open an account with them in the not too distant future. 
A XXXX has since transpired. Because of financial difficulties, I decided to take a lone out from my XXXX. The XXXX management firm sent me check as a lone in the amount of XXXX dollars. I then took that check to Well Fargo to open an account and deposit it. I explained to Wells Fargo of the fraud incident that occurred a year and 1/2 ago. They expressed that it was not a problem, opened an account and presented me with a debit card which I successfully used the next day. When I went to use the debit card the following day, I was informed it was no longer active. So I immediately when to Well Fargo to understand what happened. Well Fargo told me that due to the fraud that happened XXXX ago, they were putting my check on hold until XXXX XXXX ( approximately two weeks ) at which time the funds would then be available. Please keep in mind that these funds were needed to pay normal household bills. During this time I spoke to the Well Fargo branch staff as well as numerous toll-free numbers that the bank offers. These efforts to resolve were all unsuccessful. So, I made agreements to be able to survive financially until XXXX XXXX. On XXXX XXXX I went back to Wells Fargo to make sure that the " hold '' on my account was lifted. It was then that I was told that the hold was not lifted, and the account is being closed. A check would be mailed to me and would take 5-7 business days to arrive. Again I spoke to bank staff, called toll-free numbers and I also attempted to write Wells Fargo an email ( their web-site would not accept the email request since my account was on hold ). 
In my opinion, if Wells Fargo was going to freeze my account, then this should have been told to me up front and I would have made different arrangements. Secondly, they were incorrect when they said the funds would be available on XXXX XXXX. They instead held the funds for two weeks and then said they were sending me a check through the mail. I asked them if I could get the funds wired if I paid the fee. They again declined to do this. Finally, I believe it was unethical for Well Fargo to accept my money to then make it inaccessible to me for over XXXX weeks.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

Care Credit : XXXX needed some XXXX work in 2013. I borrowed $ XXXXI have paid approximately {$300.00} against this balance. Due to late payments and interest and penalties the amount continues to grow. 

I have been in financial hardship. I am in severe economic harship. This Care Credit is a preditor which is taking advantage of my hardhip and penalized me for late payments and now seeking a " {$310.00} '' " Minimum Payment '' on this now " {$850.00} '' balance. 
The interest rate on this card is now " XXXX '' perccent. I just made a payment of {$58.00} which I had to use a post dated check. I have a credit union I have been with for 20 years that would never do to me what this President is allowing these scoundrals to get away with. 

I need help. 

XXXX XXXX XXXX, XXXX
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I was divorced in XX/XX/XXXX. During the divorce, in XX/XX/XXXX, I signed a Quit Claim deed to allow my ex-spouse to re-finance the property into her name only. Citizens Bank, aka CCO Mortgage, took her application, but instead of re-financing, they changed the terms of the original loan. Changing things such as the interest rate, length of the loan, and payment schedule. 
I was informed by my ex that the loan had been re-financed and took her at her word. However, in XX/XX/XXXX, she fell behind on the mortgage, and the mortgage hit my credit report. 
I contacted CCO Mortgage, who informed me that they could not and would not provide any information on the loan to me because it was no longer in my name. They also refused to do anything about the credit report. 
My ex caught up on the mortgage, and since I could not afford a lawyer at the time, I let it go. 
XX/XX/XXXX, I found the payments were again past due. contacting my ex, she stated she was falling behind to do another modification. CCO Mortgage again modified the terms without my consent, and have now added my name back on the mortgage. Again with no notification or signature from me. 
I have now hired a lawyer, and am attempting to get my name off the mortgage, and my credit cleared.
Consumer complaint received 2015-04-02
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: AFNI INC. (TN)

My personal information was used by someone in my house to obtain a XXXX system. My mother became ill and ended up passing away during this time the bill was turned over to collections to a third party collection company in XXXX. The bill was paid in full just as was promised with my income tax in XXXX. I am a single mother and struggling as it is. I am trying to obtain a home loan and they refuse to remove this from my credit report. They only reported that it was paid in full.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I was provided with a quote for 4.25 % interest rate and 4.268 % APR on Monday XXXX XXXX, 2015 from XXXX XXXX at Wells Fargo Home Mortgage. On XXXX XXXX when I went to lock the rate the APR jumped to 4.291 %. When I confronted XXXX about this he had to look into and talk to his manager and pull some strings to get it back to the original price. I have since received a Good Faith Estimate confirming the 4.25 % interest rate and 4.268 % APR. Today, XXXX XXXX 2015, I logged in to my loan tracker on Wells Fargo.com and the " locked '' rate jumped to an interest rate of 4.375 % and an APR of 4.43 %.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage has refused to directly address my loan concerns. Listed below are my concerns. 
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. I never signed the Pick A Pay Loan Disclosure more then once. This is fraud that needs to be addressed. 
2. I am requesting if Wells Fargo Home Mortgage will accept a Affidavit for Forgery Signature from a Handwriting Exert. ( Please do not skip this question ) 3. I can supply to Wells Fargo Home Mortgage a Certified Affidavit by the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 
4.I am requesting Wells Fargo Home Mortgage also to do their own investigation because I never signed the Pick A Pay loan Disclosure XXXX on XXXX different dates. XXXX of those dates was impossible for me to sign on. 
5. I am requesting Wells Fargo Home Mortgage to use a handwriting and forgery document analysis for the Pick A Pay Loan. 
6. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
7. Will directly a Loan Modification application to : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX. 
8. Will you state what loan modifications or equity loans I am eligible for without submitting a new loan application. 

XXXX
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (ID)

I sent a dispute to experian that was delivered certified mail on XXXX/XXXX/2015 ( usps tracking attached ). There is a judgement that I requested to be disputed item XXXX in letter, ( see attached copy of dispute letter ). This item was never investigated as requested ( see experian dispute summary attached ). Every other item was investigated and listed on experian 's dispute summary except this one. The judgement that was supposed to be investigated does not belong to me and experian had someone else 's social security listed on my report as well, which was removed. This item should be removed by LAW since it is now been XXXX days and I have not received any response on this item.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (KS)

We purchased a ticket through XXXX using their XXXX XXXX XXXX credit card. We had to cancel the ticket and submitted the necessary paperwork to get a full refund. We were told at first that it would take 4-5 business days to resolve. After a week we contacted customer service and were told that it would take 6-8 weeks to get a refund. In the meantime we would be obligated to pay the full price for a ticket that was never used. We contacted XXXX XXXX XXXX ( Barclays ) to dispute the charge and faxed paperwork to them multiple times. They never called or acknowledged that they even received any faxes. Want them to put this charge in dispute until this matter is resolved with XXXX.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello two months ago my Credit score was XXXX and Today it is reported as XXXX 0r XXXX. I want to know why? All of my accounts are current and up to date:1. I should have XXXX credit card lines = all up to date and current XXXX with a XXXX Balance Never late2. My name should be spelled correctly ( XXXX XXXX XXXX ) 3. I have a car loan all up to date never late4. Public Record? would need to know what is there5. A personal Loan ( up to date and NEVER Late ) Why is my score so low?
Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MS)

This is about Green Tree again. Everyday for the last 2 years they have called me and my husband stating that we are behind on our house payment and we let our insurance laps, which most of the times the house payment had already cleared my bank or was pending at the bank to clear, the insurance that they say has lapsed did not lapsed, I bought my own insurance from a local company in town, and the local company faxed the proof of insurance XXXX times to Green Tree, which Green Tree states that they never received, so it was then mailed to Green Tree and they still claim that they did not get anything. When our mortgage was XXXX sold to Green Tree in XX/XX/XXXX or XX/XX/XXXX { that has been too many years ago } we were 1 month behind on our house payment and I gave Green Tree permission to take out XXXX payment out of our checking account, well needless to say they took XXXX house payments out and over drafted our account, and Green Tree would not refund the money or the over draft fees, so we learned the hard way on that. As of today Green Tree has called both of us XXXX times and the lady was wanting to know when we would be moved out so they could come and change the locks to there property. The phone calls from Green Tree every time they call are rude and threatening to take our house. I am to the point to just give up. I want something done to these crazy people. We are tired of them calling us and they never give up.
Consumer complaint received 2015-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: P.S.C., Inc (OR)

I filed chapter XXXX bankruptcy in XXXX 2012. I included in my bankruptcy a bill from a company named XXXX. The bill was for residential garbage collection from my house that was vacant and being foreclosed. 
XXXX has given the bill to a collection company named Puget Sound Collections and they are currently trying to collect the amount past due. 
I 've contacted Puget Sound Collections several times and let them know this bill was part of a chapter XXXX bankruptcy filing. I 've even sent a copy of the list of creditors from my bankruptcy to Puget Sound Collections. It clearly states that this bill was part of my bankruptcy. 
They refuse to remove this from my credit report. It 's causing severe damage to my credit score and am in need of assistance getting Puget Sound Collections to remove this from my credit report.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

My complaint is in reference to a complaint I submitted with CFPB in the past ( # XXXX ), my home was wrongfully foreclosed upon in 2010. Due to this situation, I have received XXXX settlement and have been recently notified to receive another settlement by the Georgia Department of Law. 
I would like to have the foreclosures removed from my credit report.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I originally submitted dispute XXXX in reference to taking more than 30 days to respond to a dispute that I sent to Equifax. In my original dispute I submitted documentation to support my claim showing that Equifax did indeed exceed the 30 day window. Per my rights as a consumer, I must receive some type of response within 30 days. I did not receive a free credit report so therefore they should have been able to return the report within 30 days. They did not mail to a physical address, they submitted it to my email which should have been quite simple and quick. If they were finished on time, it should have been submitted back to my email with no problems. I am disputing the reason that they need 60 days to determine that they did not complete within 30 days and am possibly looking at pursuing legal action against Equifax because of their unprofessional conduct.
Consumer complaint received 2015-10-14
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA (CO)

I had a leased car which I returned early because my student loan payments are suffocating me. I was never told that returning my car would result in a {$3200.00} bill when I only had {$1200.00} left on my lease. Hyundai was negligent and deceptive by not informing me of what the consequences would be if I returned my car. Additionally, Hyundai started reporting a delinquency on my credit report. I am not delinquent. I have always paid. I paid until I returned the car and when they sent me the {$3200.00} bill last month, I have since made a payment on that as well. They need to remove their tradeline from my credit report. I did not have one derogatory mark on my credit bureau until this incidence.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.
Consumer complaint received 2015-11-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Pinnacle Credit Services, LLC (CA)

PINNACLE CREDIT SERVICE keeps on harassing me and threatening me for debt I do n't owe they claim I opened a XXXX cell phone I never had a XXXX Cell Phone its impossible I have lived in XXXX at that time I have been XXXX since XX/XX/XXXX till XX/XX/XXXX please have them stop calling me and harassing me and discontinue all collections and remove the collections from credit report they have the wrong person.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I bought clothes with my sears card XXXX XXXX XXXX XXXX in the year XX/XX/XXXX and the account was paid off in XX/XX/XXXX. Now CitiBank sold the debt that I do not owe anymore to XXXXand they are charching me {$1500.00}. I receive a letter now that I contact you and Citi said that I do not owe nothing that the debt is for XX/XX/XXXX XXXX so I do not now wht to do and my credit report is geeting affected. Plese help me the case with you ( XXXX )
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

Navient will not allow you to set up an automatic payment for more than what the monthly payment is. If you want to pay more than the monthly payment ( hence paying your loan off sooner, which should be encouraged!!!! ) you have to go in each month and do it manually. Navient has made it more difficult to pay off loans sooner so that they keep gaining interest $ from you. What a scam! I am in good standing with Navient ( XXXX XXXX ), I have always paid my monthly payments on time and would now like to pay off my loans sooner!
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is a pretty straight forward complaint. I believe that my credit card statement incorrectly lists interest charged on my purchases as a fee. I called the credit card company to inform them of the possible mistake but they informed me that there is nothing they could do to correct it. If this is incorrect, I believe the credit card company should correct their mistake. Though the amount is small on my statement, the amount could be larger for other customers.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WA)

Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

In XXXX I opened an account with XXXX XXXX Bank with a Credit Limit XXXX. I began receiving numerous threatening and harassing phone calls and the representatives were all giving me different amounts. My balance was less that XXXX by the time it was sold to Midland Credit Management. They have added XXXX cents worth of fees. Illegal by Washington State Law XXXX Prohibited practices. Further As of XXXX XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) database listed more than XXXX complaints about Encore Capital Group. Consumers complaining about Encore allege : Continued attempts to collect debt that the consumer did not owe Threats to take legal action False statements or misrepresentations Refusing to provide information to enable the consumer to verify the debt. 

The Better Business Bureau says it has closed XXXX complaints about Midland Credit Management from XXXX XXXX to XXXX XXXX, including XXXX closed in the last 12 months of the period. A majority of the complaints ( XXXX ) were about " billing / collection issues. " A " closed '' complaint is one in which the company has responded to the BBB sufficiently. It does not mean the complaining consumer is satisfied.
Consumer complaint received 2015-06-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

XXXX XXXX XXXX of XXXX XXXX billed for a medical procedure on my daughter. The billing statement is XXXX/XXXX/2015. I wrote aa check to pay the bill on XXXX/XXXX/2015. The Doctor 's office did not process the check ( through my bank ) until XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contact via mail by Transworld Systems stating that they were attempting to collect a debt for the doctors office. On XXXX/XXXX/2015 I contacted the doctors office ( XXXX of XXXX XXXX ) they stated our account was out of debt collection and they mailed a statement which shows the debt was paid. I mailed all records to Transworld Systems on XXXX/XXXX/2015 showing the debt was paid. 

We received another letter dated XXXX/XXXX/2015 from Transworld Systems on another attempt to collect the debt that was not owed and has already been paid off. Transworld Systems says our account is not in collections, but they have sent letters still wanting us to pay them. They have also made attempts to get our phone number, I can only assume this would be used for further harrassement. 

I certainly do not recommend XXXX XXXX or XXXX XXXX with several locations in Texas as they held our payment, it seems intentionally, to put us into a debt collection.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I disputed with XXXX and Equifaxthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

XXXX have been disputed also