davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One of XXXX XXXX XXXX XXXX XXXX XXXX UT had reported XXXX/XXXX/XXXX to Experian Credit Bureau, that account # XXXX was not late XXXX XXXX, as Capital One had previously reported XXXX, XXXX of XXXX and XXXX XXXX. 
This inaccurate reporting effectively RE AGES the account to report past the statute of limitations for reporting to credit bureau under the Fair Credit Reporting Act. 
When I asked Capital One for a payment history from XXXX to XXXX, Capital One stated we delete old files. When I asked for signed copy of the application for validation of debt they did n't respond. 
I mailed to capital one copies of the early statements that I had on hand for XXXX and XXXX with late payments listed and Capital One did n't answer certified return receipt mail. 
The late charges on the statements are -- XXXX for {$29.00}, XXXX for {$29.00}, XXXX for {$29.00} XXXX for {$15.00}, XXXX for {$29.00}, XXXX for {$39.00}, XXXX for {$39.00}, XXXX for {$29.00}, XXXX for $ XXXX no change. 
The date of first delinquency is inaccurately reported. 
The payment history is inaccurate.
Consumer complaint received 2015-04-09
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL (MA)

In XXXXXX/XX/XXXX I purchased a 12-month Certificate of Deposit for {$250000.00} from Synchrony Bank ( then called GE Capital Bank ) from money which came from the sale of our house, which would be needed in XXXX, XX/XX/XXXX to pay the large capital gains tax on the house. I sent instructions to Synchrony Bank to immediately transfer the money when the CD was mature to my checking account at XXXX XXXX XXXX, and I provided them with a voided check with the bank routing number and my account number at XXXX XXXX XXXX. Synchrony Bank sent the money with an incorrect account number to XXXX XXXX XXXX on XXXX XXXX ( this bank error was acknowledged by the supervisor at Synchrony Bank, XXXX XXXX, telephone XXXX XXXX XXXX extension XXXX ). The money was returned by XXXX XXXX XXXX XXXX Synchrony Bank on XXXX XXXX because of the incorrect account number. Synchrony Bank, through XXXX XXXX, acknowledges receiving the money on XXXX XXXX but as of now, over XXXX hours later they " can not find '' the money ( the amount missing is {$250000.00} ) and it has neither been returned to my account nor sent to the correct account at XXXX XXXX XXXX. Numerous phone calls to XXXX have been met with the claim that they do n't know what happened to my money, that they are working on it, and that there is no one I can talk to at the bank who can solve the problem. It is now likely that I will not be able to pay my income taxes next week and will thus incur significant interest and penalties on the tax owed ( over {$200000.00} ). I am now retired and have minimal income and no other way to raise this money. I have been treated very poorly by Synchrony Bank both in their incompetence in using an incorrect account number and in their alleged inability to fix the problem or to find my money even though they acknowledge it is somewhere in their own bank system. This amounts to negligence, incompetence, and possibly fraud and will have a materially harmful effect on my wife and me.
Consumer complaint received 2015-04-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: ZIONS BANCORPORATION (NC)

We had a Zions First National Bank credit card, opened in XX/XX/XXXX. We made all payments on time, never late. We stopped using the card but kept the card open. 
In XX/XX/XXXX we moved from XXXX to XXXX. 
The card has an annual fee which was always paid on time when billed. Because of the move we did not receive the bill and the issuer added late charges and fees to the annual fee. They never called either me or my husband to let us know we had a balance and to collect, we are both over XXXX and this should have been a factor. 
When I finally received the bill 3 months later forwarded from my old address I called Zions. I paid the entire amount including fees and late charges ( {$25.00} annual fee with late charges totaled {$75.00} ) and they said they would pull the negative credit reporting. I also closed the account due to their obvious lack of valuing us as a customer and lack of customer service. 
The issue today is that the negative 30 day late is still on our credit reports. They reported it as closed by credit grantor which is inaccurate because we requested it be closed, It is the only negative item but it affects our overall credit score. 
I 've called Zions bank XXXX times and they request that I send a letter explaining what happened each time. I do n't know what they do with the letters because they should have them in triplicate at this point. 
Due to our ages and previous payment history the fact they never called to find out why we had n't paid an annual fee but instead adding late charges to it, borders on elder abuse, and I feel it should be reported.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE (CO)

Aimloan.com either 1 ) is committing fraud, 2 ) has provided poorly trained employees, 3 ) is understaffed and not able to effectively resolve issues in a timely manner. I contacted the company to inquire of them on XXXX XXXX, 2015 that the mortgage payoff was sent per their instructions on a house closing completed by XXXX XXXX XXXX XXXX, CO branch Office : XXXX on XXXX XXXX, 2015. Aimloan.com support department were unable to help me and would not escalate the case to a manager to research and solve the problem. The title company claims they followed the written instructions for the payoff exactly as provided by AIMLOAN.COM and the funds were wired through XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, the same day of closing on the sale of the property. Aimloan has now sent out numerous credit collection letters and will not work toward solving the problem within the 60 days allowed by law. 

Please note the XXXX Servicing Department Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Department Telephone : XXXX would also note that when originating the loan there were also numerous issues again due to XXXX of the XXXX problems speculated at the beginning of the form.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (WA)

Chase 's " balance '' on my card and what I calculate from Chase 's own records that my balance should be shows a discrepancy of $ XXXX- {$300.00}. I 've complained repeatedly and they are evasive ; they do n't answer my questions directly. I 'd be happy to provide a spreadsheet, except since I complained they 've made unavailable previous transactions, and in fact, I ca n't see my complete transaction history since I bought the card on their site. I 'll upload XXXX versions of my " complete '' transaction history, XXXX from the day of my first complaint, XX/XX/XXXX and XXXX from today. You 'll see that they allow me very little access to my own information, most likely as a way to ensure that I do n't see what they 're doing. The fact is, the XX/XX/XXXX statement goes back to XX/XX/XXXX, and before that I paid off every single bill in full every month. Combining these XXXX documents should make the current discrepancy clear.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I have been working on a loan modification with Ocwen financial for over a year now each time they tell me my file is complete for processing but when we are to finalize any type of agreement there is ALWAYS an issue " missing '' documentation " expired '' signatures which I realize are STALL tactics on Ocwens part~ The latest excuse is that a letter from my boss WITH my tax returns AND a XXXX are NOT sufficient proof regarding a stipend my employer pays me each month~ our Mortgage was held by GMAC up until a few years ago where our mortgage payment jumped up close to {$450.00} a month with NO explaination as to how this new number was calculated AND there are " insurance '' premiums tacked on to my mortgage that I NEVER SIGNED FOR OR REQUESTED! And as of last week my husband is unemployed and no longer has proof of income ( which Ocwen always rejected his pay stubs from his employer anyway Its ALWAYS an excuse with Ocwen. I recently started researching into this company and have come to find that they stall on most modifications and are happy to pay the fines involved as they fare much better financially by screwing strapped homeowners around and paying the fines than running their business ethically! There have been XXXX ( im number XXXX ) NJ consumer complaints against Ocwen in the last year ( XXXX XXXX to XXXX XXXX XXXX. My credit which has been pristine is now totally destroyed and I am in grave fear of losing my home.
Consumer complaint received 2015-10-05
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CrossCountry Mortgage LLC (FL)

To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (LA)

XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX. 
The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up. 
I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO! 

It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

i took out a new cc from AMEX and explained to the person that i had once had this cc and had cancelled it. i asked if the bonus of spending {$1000.00} and receiving {$100.00} back would still be honored. He assured me it would. i received the card, called back and was told that they would not honor it. I gave them the name of the rep and the date and time of the call which he said was recorded and i have never heard from them although i called XXXX times already.
Consumer complaint received 2015-06-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credence Resource Management, LLC (WA)

I 'm not sure what the call was regarding. I received a call from Credence Resource Management this morning. The caller did n't identify the company she was calling from and when she began to ask identifying information ( asking me to confirm my address ) I asked what company she was calling from. She then identified the company. She said they have an account in my name and that she was calling to give me that information. I told her I 'd never heard of Credence Resource Management. She repeated I have an account with them and that she was calling to give me that information. I asked how I could have an account with a company I 've never heard of. There was a pause and then, sounding exasperated, she said goodbye and hung up. It was only when I did a XXXX search I 've discovered it is, apparently, a collection agency. I have no idea what they could be trying to collect on, I filed bankruptcy last year and it was discharged in XXXX. The caller was not being clear at all about the purpose of the call so it sounded like a scam. I 've selected the " Debt was discharged in bankruptcy '' option since I have a discharged bankruptcy, but I moved just over two months ago and while packing my desk stumbled across a small medical bill that had fallen behind a drawer. It was over a year old and was n't included in my bankruptcy since I had no idea it was still pending so I immediately paid it. So it could be that the issue is " Debt was paid ''. But those are the only options. I do n't have any debt now, and I 'm doing my best to keep it that way.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I am writing to formally request the removal of hard inquiries from my credit report, which I believe are inaccurate or unauthorized. I have reviewed my credit report and found these inquiries to be not properly authorized. When I went to apply for credit at these locations, they stated that it will not affect my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (IN)

I often make multiple payments at one time to my mortgage company. I include the account number on the check with the months that the payments are to be applied to in the memo portion of the check. I also include in the envelope the payment coupons for the payments that the check is to be applied to. A few months later, the mortgage company sends me mail saying that I am seriously overdue on my account because they misapplied my payment. This happened last year for the XXXX time and they put a late pay on my credit report for it even though my payment was never late. That mark is still on my credit report as I have not had the time to challenge it with the credit reporting agency. Today, I received yet another threatening letter even though I 'm not behind and do n't owe any more payments until XXXX. I 'm tired of them misapplying my funds! Furthermore, when I made another multiple month payment in XXXX of last year, I requested in writing a statement of all of my account history and then still have not sent it to me XXXX months later.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

I got pre-approved for a conventional 30 year mortgage with Wells Fargo Bank in XXXX 2015. In XXXX 2015 my offer on a condo was accepted by the seller and I began the mortgage application process with Wells Fargo. The bank agreed that they could complete the loan process on the expedited schedule that the seller requested for the sale of the property. There were many delays during the first few weeks of the loan process, but XXXX XXXX XXXX, the mortgage banker, continued to assure me that she could get the loan done in time. Approximately 3 days before I was supposed to close on the property, XXXX XXXX called me and said that they could n't do the loan unless I paid another {$150.00} to file an exception, which she said would allow them to complete the loan and allow me to close by the end of the week. I felt that I had no choice but to pay another ( non-refundable ) fee, or I would lose out on the home I was planning to move into within a week. I had already paid {$490.00} for an appraisal and credit report that the bank ran for the loan application. Two days later I called XXXX XXXX to find out what time my closing would be the following day and was told that I could n't close, as my loan had n't been approved. I was informed that they would need at least 60 days to process my mortgage, and could never have done it in the shorter timeframe that they initially agreed to. She began to push me towards an XXXX loan as an alternative to a conventional loan, suggesting that they could get that completed sooner. An XXXX loan was not in my best interest and I told her several times that I wanted the conventional loan they had originally pre-approved me for. After an extension of several weeks, and with me calling the bank everyday to find out what was going on, I was told that they could n't do the conventional loan and that if I did n't want to switch to an XXXX loan, that it would be best for me to move onto another mortgage bank. I would be provided with any paperwork they had, but none of my money would be refunded. After struggling with the decision to walk away and lose out on a lot of money that I paid in good faith based on XXXX XXXX 's assurances that they could give me the conventional loan they had pre-approved me for, I switched to a different lender, who was able to process my conventional mortgage loan within 3 weeks.
Consumer complaint received 2015-10-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (TX)

in XX/XX/XXXX my wife and I used PayPal to pay for a income tax filing extension as the site would not accept our debit card the cost was {$19.00}. today I received a call from their collection department requesting I pay {$100.00} in late fees I was shocked at such a sizeable late fees on {$20.00} dollars. I think this would qualify as loan sharking. of course I must say shame on us for not reading the fine print.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I recently applied for a refinancing of my mortgage loan. After my loan officer pulled my credit report and I checked it out, I found out that XXXX credit lines do not belong to me. 
They belong to my ex-husband whom I divorced in 2008. I have absolutely nothing to do with those loans and this is clearly a mistake made by the reporting agency. 
Equifax reported the incorrect info, even my ex 's name was on the report instead of my name. When I called their customer service, the person on the phone did n't even care. I told her that they are giving me someone else 's personal info and she was like 'yeaahh '. Also she told me that this my responsibility to prove that these are not my loans even though it was them who made a mistake.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have opened a claim and filed a police report because XXXX websites stole money out of my bank account with out my authorization. Turns out they are gambling sites. There is a site XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX my son was playing games on my phone and without my knowledge he spent XXXX on a gambling site not for children. My information was right there for the taking this is the claim. 

Weve received your claim for your account ending in XXXX on XX/XX/2024, for {$1300.00}. Your claim number is XXXX. Keep these details handy, as we may follow up for additional information. 

XXXX was a company I had previously interacted with down the line and they authorized my card for an additional claim number XXXX for XXXX I have copies of the police reports and they still are saying it matches my record. This is not true.