davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IA)

My wife and I needed a chipped credit card for overseas travel. Our bank did n't issue chipped cards, therefore, we went to Wells Fargo since they did. We worked with the " branch manager '', XXXX XXXX, to apply for the credit card and to open an account and get chipped debit cards as well. 

Online he discovered that I had an old Wells Fargo credit card from XXXX that needed to be canceled before we could get the new credit card account. Since I quit using the account decades ago I no longer had a card for it. He was n't sure how it would be handled but said he would apply for the new card and see what happens. 

A week or so later we received a new chipped credit card as well as the new debit cards. I called XXXX because I was n't sure if the new credit card was for the old account or the new account. It was a relevant issue because a benefit of the new account was medical insurance for refund in the event we purchased plane tickets for a future flight but unable to use the tickets due to health. He assured me it was the right one. XXXX further satisfied my need for assurance by emailing a copy of the written benefits that included flight insurance ( page XXXX in the attachment dated XXXX ). 

As months went by my wife ( XXXX ) got a medical condition that prevented us from taking the XXXX, 2015 flight. We canceled the flight and began the process for refund for out plane tickets. Wells Fargo denied our request, saying it was not covered under that credit card. XXXX acted surprised and said he would pursue resolution from 'his end '' but I never heard anything from his actions. I contested the findings but never heard anything from them again. I wrote an email letter to XXXX ( See attachment XXXX ) and summarized the whole experience in that email and asked him pointed questions but never received any response aside from him saying he forwarded my email. In further emails I tried to get him to state if he agreed with my explanation plus other pointed questions but he never answered a single question. He would n't respond in emails any longer. XXXX and I went to his office and he remained vague and non-committing on all issues. 

I did everything I could be expected to do. Especially by working with the branch manager, how much better can you get than that? Even to the extent of questioning the branch manager and receiving his assurance that what he said was correct. 

They sold one thing but claimed it was something else when the time came for handling a claim.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TN)

Receiving calls and letter in reference to previous bill which was paid some dating back to 2004, some years prior to the death of my husband. Many related to agency collection fees for bills which were paid to the hospital/doctor directly. Many others show no balance due. Have repeatedly told this agency they were in errors and after seeking documentation their own evidence shows they are in error. 

Remove all records and notations on my credit report with the Credit Reporting Services
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (ID)

I am working with an extension of loan modification with Wells Fargo on a XXXX mortgage due to being unemployed since XXXX. I have had problems with the loan preservation specialist not returning calls, not checking her email for executed documents and stating I have never complied, to which both of these were escalated to the manager. Now all correspondence is submitted to both the specialist and the manager as cc. 
The latest is a problem I have with Wells Fargo and the XXXX. I have attached their instructions and the form that I sent back. The instructions would lead a person that is less then prudent to believe this is a blank form, and they address line XXXX as " This does not apply. No action is required. '' But in fact they have altered line XXXX to an address and phone number that is not the tax payers. I believe this should be disclosed to the borrower in the wtitten instructions. Also, they in advance checked box XXXX. but I have unchecked it and have checked what I feel is appropriate and the year as well. My hunch is that they will still request my records and ignore my request, but I feel they should be directed to better inform the borrower of the alterations and the intent of this form ( XXXX )
Consumer complaint received 2015-08-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MO)

I purchased on home in XX/XX/XXXX that had a 1st and 2nd mortgage. In XX/XX/XXXX unfortunately we tried to do a deed in lieu of foreclosure. It was approved by the first mortgage holder XXXX XXXX XXXX and they offered Green Tree Servicing XXXX XXXX XXXX XXXX XXXX {$6000.00} to release the lien. They requested documentation and all requested bank statements, etc was sent over multiple months. Eventually XXXX cancelled the Deed in lieu because of the delay with Green Tree and ended up foreclosing on the property. I received a phone call from Green Tree months after the foreclosure saying they would like to settle the account for {$6500.00} with no need to send in any documentation. I did not have the funds to settle and I asked why they did not take the offer when XXXX made it to settle and the response was that Green Tree is slow in responding ( which should be unacceptable in these situations XXXX. I submitted a letter to Green Tree offering to settle the account for {$3000.00} which my daughter was providing to me. I sent 2 cashier 's checks ( {$2000.00} and {$1000.00} XXXX at different intervals ( back to back months XXXX. We did not hear from Green Treee after that until recently when I am being sued for the full amount. These practices should not be allowed to occur. Because I had to retire from work, I lost my house. XXXX offered to pay the settlement to Green Tree and because of the procrastination by Green Tree, I ended up having to foreclose.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Since late XX/XX/XXXX I have been in an overdraft cycle with Wells Fargo. I have called several times explaining I am in a bad cycle and they are making it worse and sustained by levying O/D fees. The issue has been escalated and the bank is not helpful. The executive department has not returned promised calls. 

The ordering of transactions, deposits, and w/d has been advantageous to the bank. Many of the deposits I made to keep my bank balance positive have been eaten up by overdraft fees. These fees have kept me from functioning, have preventing me from eating sometimes, and have caused complications in getting to and from work. 

I am tired of making deposits to go to fees. I would like these fees refunded they have been excessive.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I have reported this to you and to Equifax that they have an address in XXXX XXXX on my credit report and I have never lived there. I want this address removed from my credit report.
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Arbitration — 
Company: U.S. BANCORP (MN)

On my behalf, XXXX XXXX XXXX and XXXX XXXX XXXX, has sent a letter to XXXX XXXX XXXX, requesting in the spirit of good customer service, that XXXX XXXX XXXX exempt me from the balanced owed on the following account ending in XXXX and cease and desist all collection efforts on the above referenced account and have the account deleted from my XXXX credit report immediately.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (TN)

Diversified collections contacted me around XXXX 2014 notifing me that they had obtained there information from XXXX XXXX XXXX XXXX. I advised them that I had told XXXX XXXX XXXX that I would pay the account off in full when I received my income tax in XXXX and that since they had the account now that I would do the same. I made several {$25.00} payments to them and did pay the account off, the agreed amount with my income tax. They told me that once it was paid off that I could submit in writing to them via fax that I would like it removed from my credit bureau report as a deletion. I did so in XXXX around the XXXX and also called to make sure they received my fax. I was told that a supervisor had it and they would be in contact with me. Several weeks went by with no call from them. When I called again around the XXXX of XXXX was told that this could not be done and I would have to take it up with the credit bureau 's my self and dispute.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (CA)

Used the PayPal interest free for 6 months option. I paid my balance in full on the purchase I used it for within the 6 month promotion. I have gotten XXXX statements on the interest and late fees that were incurred during the 6 month promotion. I am now in collections for the fees and late payments that should have never been applied according to the promotion of 6 months deferred payment with no interest. 
There is already a lawsuit settled from PayPal regarding this exact issue and the customer service representatives will not correct problem.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (WI)

I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Within the last  six  months, I 've switched my loan service from  XXXX  to  FedLoan Service. T hese were all Federal Student Loans and I applied for the  Public Service Loan Forgiveness Program  ( and I was approved ). After making on time payments, I realized they were not applying the payments to this program ... stating that I did n't qualify but no explanation why. The only reason I switched loan services was so I could qualify for this forgiveness plan as I 'm a 20+ year employee of a qualifying place of employment. Please help?
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc. (NJ)

Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had my home mortgage with Bank of AmericaI went thru hell for over a year to get a loan modificationSo I would n't be foreclosed XXXX finally got approved to get my payments downFrom about XXXX. Mo to XXXX. A monthA couple months later they sold my mortgage to countrywideWho was then taken over XXXX sent me my mortgage bill and it was back upXXXX XXXX. XXXXI am a widowed XXXX yr old woman who doesn'tKnow where to turnEach bank says it 's the others problemI 'm afraid of foreclosure because that one paymentEats all my social securityI just had a bout with XXXX and have medical issuesAnd bills and need direction can someone pleaseGuide me or help me get myPayments affordableAll my utilities are XXXX months lateThe house is falling apartThe roof leaks basement floods windows andDoors stuffed with plastic bags to keep weatherOut furnace air and sump pump are oldAnd in bad conditionI really really need help getting these paymentsBack to XXXX or XXXX a month
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

I understand you must have full coverage insurance on your vehicle for a title loan and i've had full coverage for over ten years. Instant loans co. Are forcing me to purchase their insurance which adds an additional 60 dollars to pay off. I mention this policy to them and they responded that my insurance must be paid up for 60 days. How is this legal when the loan is only for 30 days?. In additional to this when you make a payment, your new due date is the same date that you pay the loan not the next 30 days, how is this legal? Making customers pay for full coverage insurance when the customer already has insurance seems illegal. They have charged me over 500 dollars in insurance fees in which i already have and have had full coverage insurance for over 10 years.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, GA XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.govRE : SPS ACCOUNT : XXXXXXXXXXXX Relationship ManagerSelect Portfolio ServicingXXXX UT XXXXDear CFPB : I have reviewed Specialized Portfolio 's Services ( SPS ) response to my XXXX 2015 complaint and find it inadequate. 

My initial complaints remain valid. 

Damages Due Withholding Funds Of BorrowerSPS has reported derogatory credit information on me while holding a significant amount of funds belonging to me since the transfer of my account servicing from XXXX to SPS. These funds were held due to an error by the XXXX servicing organizations. 

I am requesting compensation for damages to my credit and compounding my ability to refinance my home. Resulting from withholding this cash. How can you report payments when you are holding funds of the borrower? I was refunded over {$5000.00} in 2015 from SPS due to this error. These funds would have offset any delinquencies. 

An investigation by SPS and communication with XXXX will reveal this. 

Uneconomic and Unethical Mortgage UnderwritingMy mortgage payment of principal and interest is less than my local property payments. A simple review will reveal that this financing is uneconomic. 

Failure to DiscloseWhen I receive my initial mortgage and modification it was not disclosed that I would pay PMI insurance. I would like this payment eased. 


Damages Due to Property Tax Escrow MismanagementI don not pay my property taxes. My properties taxes are escrowed pay SPS. 
SPS has often miss calculated the tax escrow resulting in additional derogatory credit information and tax liens. 

Uneconomic Mortgage UnderwritingMy current mortgage payment after modification is much higher than my originalMortgage PI. Again this underwriting is uneconomic. 

I have applied for a review of this modification, which has been hampered by time lags on SPS, request for up dated in formation. 

I would appreciate your assistance in resolving this matter or directing me to a legal agency. 


Thanks. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2015-06-18
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I use Western union to send money and I have to constantly call to get money released and I do n't get the issues resolved, one person from the company tells me that I do n't need to call to get it reased but then when I send the money it wo n't get delivered to my famy member unless I call, I get charged for the service and I expect to get it, today was an agent being really unhelpful and rude just making me feel uncomfortable and global sanction and interdiction department wo n't help me. I still get charged and get not the device I 'm paying for. They will not help me resolve the issue, I have spent about 10 hours ( combined ), trying to get them to give me a service as they supposed to since they are getting paid for it. I asked for an explanation and they ca n't seem to give me a clear one, they want me to call every time even though I should not have to call, my friends and co workers have use the service and there was no need to call customer service for it, they can use the online service and will be done XXXX operator XXXX from the department in charge on this complaints will not even attempt to help me. Please help me to not have to stop work or whatever I 'm doing to get service as I should. Thank you
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (PA)

In XX/XX/XXXX we were making trial modification payments with XXXX ( {$710.00} # XXXX ). We were approved in XX/XX/XXXX for the permanent mod as we only have XXXX income. The final papers were signed notarized and sent back to XXXX. XX/XX/XXXX the loan went to a new servicer SETERUS ( # XXXX ). Since then I have XXXX documented calls since XXXX trying to straighten out the modification with SETERUS, they are stating my payment is {$1000.00} which was before the modification. We have faxed, emailed and uploaded the documents to them XXXX times, out of the XXXX calls half of the representatives said they have to accept the agreement and the others said they did n't. On at least XXXX calls the representatives told us they were reaching out to the loss and mitigation department with another email asking that the modification be accepted. We also had to explain the situation on all XXXX calls, each representative assured us there would n't be an issue they have accepted all payments of {$710.00} that I have sent and now we have received a letter threatening foreclosure and still do n't have an answer. My last call was XXXX and they sent another email to the loss and mitigation department and when we asked what department we were speaking too they said it was mitigations. I 'm sure all calls are recorded if you need them. We have spoken to XXXX, XXXX XXXX and XXXX XXXX just to name a few. If you could please assist it has been three months we have been calling them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). We are very frustrated and now they are threatening to take our home and I have been ill unable to work and this added pressure is overwhelming.
Consumer complaint received 2015-10-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (HI)

Focus Receivables Management of XXXX, GA has put false negative information in my credit report. They are claiming I set up an account in XXXX 2014 for {$60.00} and then did not pay. They made no contact with me except to provide false information that shows up as Derogatory Information and Collection Accounts on my credit report.
Consumer complaint received 2015-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AZ)

In XXXX I had numerous issues with XXXX ( XXXX ) billing and it would take me hours and even days to clear up the issues. I had been treated very poorly by XXXX representatives. XXXX ( XXXX ) was billing me on behalf of XXXX ( XXXX ) so XX/XX/XXXX I asked XXXX to stop billing for XXXX and contacted XXXX to begin billing me directly. XX/XX/XXXX, I paid {$130.00} to XXXX. XXXX tried to bill me same amount ( {$130.00} ) that had already been been paid to XXXX. I received a letter dated XX/XX/XXXX from Central Credit Services ( CCS ) that I owed XXXX {$130.00}. I called CCS and spoke with XXXX who said to send proof the debt was paid. I faxed the proof XX/XX/XXXX. I pulled my Experian credit report on XX/XX/XXXX and found that CCS had reported the debt to XXXX ( and probably the other credit reporting agencies. ) I called CCS and XXXX spoke with XXXX then XXXX ( the first rep I had spoken to in XXXX. ) I asked XXXX why the debt showed up on my credit report when I had sent proof of payment in XXXX. She said that I still owe the debt to XXXX even if XXXX was paid. There was no indication that the proof had been forwarded to XXXX. I argued I did n't owe XXXX but XXXX repeated I did. I asked why I was n't contacted and told this after I submitted my proof of payment in XXXX. She said she had been out on XXXX leave. I asked if her desk was covered while she was gone and she said no. I believe this to be unfair collection practices and that I was lied to by XXXX. As I have a pristine credit report, I am livid this ended up on my credit report. So not only does XXXX try to collect on a debt already paid, but they involve Central Credit Services to harass the debtor.