davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo contiues to violate the terms of the XXXX. I am currently requesting a copy of my Loan History Y-T-D ( Year to Date ) from them. I have requested this by fax and by mail. This is not priority or confidential information. It is a computer generated statement and it belongs to me. They refuse to send it. I did request it in the past XX/XX/XXXX and received a copy with absolutely no trouble. There is currently a foreclosure issue ( XX/XX/XXXX filing ) and this information is not confidential. It is mine.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been with Capital One credit card since about 2012. Due to my financial hardship at XXXX point, I got behind with my payments. I never stop paying and at the moment my account with Capital One is current. Due to being late a few times in the past Capital One restricted my account, so I 'm not able to use the credit card. I 'm okay with not being able to use the credit card again, but I requested a due date change from the XXXX of each month to the XXXX of each month. The reason for the due date change request is because my employer changed my pay period from the XXXX and XXXX to the XXXX and XXXX of each month. My payment with Capital One is due on the XXXX of each month, so because of my new pay periods it makes if financially difficult to make my payment on time with Capital One. I explained to representatives at Capital One the reason for my due date change request and was told nothing they can do since the account is on restricted status. As I mention before I have been paying on time and my intentions are to pay the remaining balance by the end of the year. A due date change will help my achieve that goal, so again I 'm not upset that the account was restricted, just need help from Capital One with a due date change.
Consumer complaint received 2015-06-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I 'm constantly getting calls from : XXXX XXXX. The person whocalled said her name was XXXX XXXX, calling XXXX XXXX, about my account w/Bank of America, last XXXX digits of the social is XXXX. 
I told them, several times now, to quit calling me. Even tho my namemay be XXXX XXXX, that is not my legal name, nor does my SS # end in XXXX and to please REMOVE MY NAME & NUMBER FROMtheir list. I get a call regarding this info, at least once a day for the last30 days, and finally I 'm fed up w/it.
Consumer complaint received 2015-06-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I sold a home and the buyers financing bank did not close escrow on the date anticipated. Escrow was 60 days and I have the buyers pre-approval letter, for my property, from the bank dated 64 days before anticipated closing. This cost me approximately 15 days of extra interest I had to pay on my mortgage loan. This cost me {$850.00}. 
I have contacted the bank as well as my real estate agent. There " official '' response was per real estate agent, they are declining reimbursement request, their reason is because I am not their customer and thus not a party to their transaction. They offer absolutely no responsibility for delays they caused and will not directly respond to me in writing other than the phone call that my real estate agent received with this information. 
I would like to pursue reimbursement of 15 days of interest. Thank you for any help. I am also not really sure what category to place this in.
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Equifax is such a deceptive and dirty company. Oh wow.. I just applied online through XXXX 's website to see my report and Equifax popped up several questions of which did not appear to apply to me, to validate my identity. Not XXXX question applied to me. Which was very unusual. It leads me to believe someone other than myself has been applying or has applied for credit in my name. So Equifax told me that I was unable to view my report online and to send them certain information. I said ok. 

Later on in the evening I happened to be checking my email and I had an email from Equifax stating " We have recieved your " order '' and your charges will apply starting next month ( or something to that effect ) unless you cancel. I have not ordered anything from Equifax. Anything at all. Then Equifax stated " you can view your report at this link '' and the link then directed me to a website where the company was pushing promotional materials at me. 

How dirty and deceptive. America is going to XXXX. Companies have no ethics now. It 's all greed. 

I need an answer from Equifax why I was sent this email stating I had ordered something that would 'cost me money ' when I did not. 

I read a few online complaints regarding Equifax and there are several online where individuals are stating that Equifax " intentionally misleads '' consumers into believing we have been the victim of identity theft by putting up " all false and fake questions '' to verify our identity and then by denying access to our reports. There are many online complaints where people are saying this. If so, it needs to stop. Equifax already ships all of its jobs XXXX to XXXX workers they pay pennies per day who sound like mind controlled robots and who have no clue about laws governing credit reporting in the U.S. and now the company in my estimation is willingly misleading Americans to falsely believe we have been the victims of Identity theft just to hawk more products at us. SHAME ON EQUIFAX.
Consumer complaint received 2015-06-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a cashiers check for {$2900.00} into my Bank of America checking account. Bank of America placed a hold on the cashiers check to ensure that the check was good. After a few days, the bank cleared the check and the funds were made available to me. I then called the bank to verify that the check was good and the money could be spent. Bank of America confirmed that the check was good and the money could be spent. After I spent the money, Bank of America notified me that the cashiers check was fictitious. Bank of America now wants to collect the {$2900.00}, plus fees, from me. I do n't think this is right. Please help me. Thank you.
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Diagnosed with XXXX. Was placed on medical leave for XXXX., Unable to work consisted. Also please remove all discharged accounts from 2006 BK. Remove all duplicate accounts. Also Fraud investigation. XXXX, XXXX, AND ALL ACCOUNTS TO BE REVIEWED ANS REMOVED TIL INVESTIGATION IS DONE, OVER!! THANKS ... all documents are with attorney.
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing " Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I got a new Kohls Card from CapitalOne. I wanted to add my wife on the Credit Card as an authorized user. The Customer Service representative disparately treated me by asking me to fill additional forms and sign them because my wife had a different last name. She said that if my wife had the same last name she would add it just based on the phone request but just because my wife has a different last name, she wants me to sign a disclosure. 
Increasingly, spouses in the US are retaining their last name and this is unfair treatment. 
I have XXXX different credit cards from different companies and none of them asked me for such disclosure except for CapitalOne. 

I am now waiting for the forms to add my wife to the account.
Consumer complaint received 2015-06-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Between XX/XX/XXXX and about XX/XX/XXXX I worked for a company that offered a XXXX plan to which I contributed the minimum necessary to get the employer match. The XXXX plan is administered by Wells Fargo. Since I 've left the company, my " date of termination '' has not been reflected in Wells Fargo 's system which prevents the withdrawal of the balance ( I have a rollover IRA account setup to receive it ). The date should be some time almost 2 years ago and no one seems to be able to resolve it. I 've contacted the company, XXXX and Wells Fargo multiple times.
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (MN)

Someone stole my personal information and identity and opened a account with XXXX XXXX XXXX. Credit Collection Services is the debt collector for XXXX XXXX XXXX. This account is fraudulent and do not belong to me. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Please review attached supporting documentation.
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

XXXX of our mortgages got transferred over ( again ) to a company called Select Portfolio Services. My husband submitted multiple documents to try and get a loan modification for lower payment. We ended up with a slightly higher payment. In addition, they now require us to pay homeowners insurance and real estate taxes as part of our payment. This is an additional {$300.00} per month. We are still, however, required to pay our insurance to our current insurer as well as our taxes as we usually do. This double payment on both accounts has made us unable to keep up with our mortgage. We were about 4 months behind until we borrowed money. We could afford the regular mortgage payment with no problem, but paying taxes and insurance twice is putting us behind. No one at SPS can give us any answers. We 've been paying this for quite some time.
Consumer complaint received 2015-06-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NJ)

The bill collectors in charge of collecting my XXXX XXXX XXXX now carried by XXXX XXXX called me every single day, often times multiple times per day- in XX/XX/XXXX-through approx. XX/XX/XXXX. I had no idea that time was illegal until now. I can order statements from my cell phone company to confirm this occurred.
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent letters made calls back and forth to the Dept of Ed who tells me my account is closed paid in full and should not show any negativereport to the XXXX credit reporting agencies. Dept of Ed student loan claim Imust dispute any negative information with transunion XXXX orXXXX. I have done so many times and it continues to show multipleincorrect reports of missed payments. I have asked the closed accountsbe removed which are from more than 7years ago but all I get is ais a customer remarks added to their report claiming I never missedpayments. will they ever help me and clear my record so I can buy ahouse! I have sent proof to the agencies from my student loan companythat the accounts are paid what else do they need???
Consumer complaint received 2015-06-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I am a victim of a fraud for false vacation rental for XXXX $ perpetrated by a fellow BOA account holder : '' XXXX XXXX Account # XXXX ''. 
BOA allow this person to create an account to perpetrate this fraud under the above alias and did not adequately ascertain their true identity. 
I have a " move money team '' XXXX # XXXX in progress via XXXX. 
I would like BOA to reimburse me {$800.00}. 
I have been a satisfied preferred account customer many years hope BOA can make this situation right. 
Thank You. 
XXXX XXXX XXXX
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I got a credit card from Capital One in the XX/XX/XXXX 's. I was told it had a {$200.00} balance. I went to a local store later and tried to use it but the cashier said it needed to be activated. I went back home and called Capital One and they told me I had to put money into the account before I could use it, I could activate it when the money was paid. After deciding I did not want the card I called and cancelled it in XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX, I receive a letter telling me my card had been " restricted per my request '' but my account was continually charged to a total of over XXXX dollars. Prior to that in XXXX XXXX, I received a letter saying my account was suspended. They have been charging me fee 's of all sorts ever since then, have dragged me into court and have now garnished my wages for over {$1500.00}, and the card was never activated or used for any purchases or charges of any kind. In XX/XX/XXXX, I was found in default for not appearing in court so they awarded them XXXX plus dollars, when I went to court just recently in XXXX XXXX they awarded them over XXXX plus dollars. I owe nothing on this card, never used it, never activated it, even cancelled it. Even Capital One has no record of my card and when I asked her why that was she said, " well, the card would have to have been activated and used for me to have any record of it. '' Please help.
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

See attached letter. This matter has not been resolved. They are now saying I owe them from XXXX/XXXX/2014 to present and added over {$6000.00} for escrow. They have changed my payment without cause. I do not understand this.
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (LA)

Southwest Credit Systems has been contacting me stating there is a XXXX Internet/Cable bill that I owe in Georgia. I have never lived in Georgia but someone used my SSN to enroll in a XXXX contract ACCT # XXXX for {$550.00} & I was told the contract was signed XXXX. SCS has sent me a Identification Theft Affidavit requesting my SSN, drivers lic #, auto ins policy #, life ins policy # & birth certificate yet all the paperwork states " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY '' on the bottom of all pages. I have contacted XXXX & this acct # is under my name & SSN but the refuse to give me copies of a contract the was signed or any of the billing statements. They are threatening to send me to collections & ruin my credit.
Consumer complaint received 2015-06-28
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (WA)

Western Union would not assist me over the phone. I had sent money through their service and there was a technical difficulty - they would not assist. I spent hours on the phone and they kept telling the money was availble - the person trying to collect the money at the other end could not get any help from Western Union.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has illegally added a credit card account and living address to my credit report in violation of the FCRA. I do not have a credit card with this company, nor am I a authorized user. 

It was explain to me that it was a different social security to this account. I never had a card with this company under this account.
Consumer complaint received 2015-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

I opened an account with XXXX in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet MIDLAND FUNDING LLC has this account in collection with the full credit amount / total that was paid off. MIDLAND FUNDING is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( XXXX ) on my credit report as paid in full and balance as XXXX, Mid land funding a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.
Consumer complaint received 2015-06-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years.
Consumer complaint received 2015-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo closed my checking account without my consent and without notice. I had a XXXX balance for about XXXX months. I went to make a deposit XXXX months and a few days after XXXX balancing the account, and the atm did not work. My account had been closed. I had direct deposits set to this account. I had student loans paid from this account. I emailed and called WF but they refused to reopen the account. They lied to me and claimed to have mailed a letter to my home warning about the imminent account closure. I did not receive any such letter. However, they happily offered to open a new account for me loaded with fees. I will never do business with those XXXX again.
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I submitted a dispute to Experian XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (NE)

Seneca Mortgage company called me and requested that I pay {$750.00} immediately or my mortgage would go into foreclosure. They said they forwarded letters to me but I did not receive them. I called them and they informed me that I was also over {$6200.00} short and that my mortgage would go up over {$3500.00} to {$4300.00}. I paid the requested amounts ( XXXX of 2015 ) but still wanted to know where the escrow shortage was. It appeared to me that I was paying off the flood and home insurance and hence requested that they remove the these amounts from the mortgage payments. They did not agree as I had signed for these payments to be calculated with the mortgage payments. I agreed but still did not understand the why there was such an escrow shortage. After multiple correspondence the last letter ( attached ) shows the only shortage was in the real estate taxes and that was only {$1700.00}. I have received no payments despite multiple requests to refund the overpayments. 
Also despite paying the said amount my mortgage still went up from {$3500.00} to {$3600.00} since XXXX 2015
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

The wrong phone numbers are listed. The only correct phone number is my cell phone number. There are XXXX social security numbers on my report that are not mine and I have only used my correct and original social security number. I never tried to obtain a car loan in 2014 and there are numerous other false statements. It is my belief that possibly my ex-wife of 20+ years and or my son or daughter, both of adult age may have used my personal information. I am trying very hard to get my credit in good standing and so far I am doing pretty good as I try to carry no credit card balance. Have always paid my rent on time. It is just demoralizing when you are trying so hard and see mistakes such as XXXX wrong social security numbers. XXXX Towns that I never lived in. That being XXXX, Ma. and XXXX, Ma. and possibly XXXX, Ma.