davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America (NM)

On XX/XX/2015, my PCP sent me for an XXXX. Because I am XXXX and on a fixed income, I checked my copy of the XXXX Medicare Benefits Summary of Benefits ( under Sect XXXX XXXX, and I inquired about the cost of this with XXXX Customer Service, the XXXX Hospital, and the office where the XXXX was performed. They said no fees. I now have XXXX rounds of bills, XXXX unanswered " grievance & appeals '' to XXXX XXXX, and a 30 day notice from a collection agency. For the 3rd time, I gathered up my letters, their letters, the bills, etc. I will upload these which will explain details. Thank you.
Consumer complaint received 2017-07-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GREAT LAKES (NH)

The complaint deals with XXXX XXXX XXXX, a company who claimed they were the Department of Education when I called for student debt relief. <P/>I went on XXXX to search Great Lakes Customer Service to see if I could get relief for my loans in XXXX since I was unable to afford payments. The number of XXXX XXXX XXXX was listed first and listed under Great Lakes Customer Service. Originally was told XXXX was the Department of Education Was told in XX/XX/XXXX I would not need to pay any money and be on income based repayment Received consolidation form ( apparently I need to consolidate before going to income based repayment ) Two payments of XXXX and another payment of XXXX was pulled from my XXXX XXXX XXXX checking account. XX/XX/XXXX got an email from Great Lakes saying I owed the full amount for loans XX/XX/XXXX, applied for Income Based Repayment myself Attempted to reach XXXX for weeks - no answer XX/XX/XXXX Attempted to email XXXX XXXX XXXX and was refused, they were not accepting any emails to that inbox Submitted a complaint on their site, and finally got a phone call Finally got someone on the phone Said they consolidated The only way to get income-based is to consolidate They told me that in XXXX, the amount I owed Great Lakes was only interest XX/XX/XXXX Spoke to XXXX from Great Lakes No consolidation is needed to qualify for Income Based Repayment Full amount owed - not interest Spoke to XXXX from Great Lakes Consolidation was part of Income Based Repayment, though unnecessary. Great Lakes received Income Base Repayment form in XXXX filled out consolidation and income I filled out in XXXX XXXX XXXX XXXX XXXX XXXX ( where the money was taken from ) Disputed the charges since it was difficult to get ahold of them and what I paid for was n't done. <P/>XX/XX/XXXX Called XXXX for follow up XX/XX/XXXX Received call from XXXX, reason of complaint was never filed Unsure if file made it to supervisor Said if I filed charge through the bank, there was nothing they could do Told me I should be thankful for their help. ( " You did n't go into debt because of our program, you went into debt because you took out a loan for XXXX XXXX XXXX dollars ) Was unwilling to listen to my arguments, interupted every time I tried to explain my problem.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon : TransUnion erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
Consumer complaint received 2016-04-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Regional Management Corporation (TX)

On XXXX/XXXX/XXXX I mailed Cease and Desist letter to Regional Finance as I am no longer able to make monthly payments. The calls stopped for a couple of months, but Regional began calling again in XXXX XXXX XXXX to three times a week sometimes twice a day.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (CO)

I opened a business checking/savings account in 2011 with Wells Fargo and they were using a credit card for advances without telling me. I could n't even see the card or the card account information on line. After a couple years I went in and told them they had charged me {$160.00} for {$150.00} in advances and I told them it was n't fair and asked to get the {$160.00} returned but they said they would n't so at that point I closed my account and moved to another bank.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc. (MD)

I pulled my credit file about 4 months ago and notice that AMERICAN COLLECTION WAS reporting a fraudulent account on my files. I requested for verification and validation of the alleged debt. They never replied back. I sent them a second request, but to no avail. They continue to call my home at all times of the hour making threats that i can be arrested. This is not my debt!!!!!
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

1. I made a CASH deposit of {$1500.00} to my Wells Fargo Credit Card in error at a Wells Fargo office by mistake. It should have gone into my checking account. When I realized what I had done an hour later I called customer service to have it corrected. 
XXXX, CS told me it would take a few days to get it corrected. I waited a few days and it was not corrected. I called CS again and was then told it would take 10 days. I was in need of the money to pay bills so I tried to call again on XX/XX/XXXX and was told it would take till XX/XX/XXXX to get my money back by CSR, XXXX. I asked to speak with her supervisor XXXX ( sp? ). She told me the same thing. I asked to speak to her supervisor and was connected to XXXX XXXX from Consumer Care Dept and Research and Admin.. He told me he could do nothing to correct this until it was corrected on XX/XX/XXXX. We had a lengthy heated conversation at this point. Bottom line they would not give me back my cash until XX/XX/XXXX ( They would have then had held my cash for 23 days ) just because they said it takes time to process.. I asked for executive office number to file a complaint and XXXX XXXX told me he was it and their was n't anyone else I could speak to. 
I find this to be quite unfair to the consumer. In this computer age there should be no excuse that this could not be corrected sooner or quicker than 23 days. I believe that Wells Fargo is taking advantage of consumers like me and benefiting from the money be held for such a long. Just think, if this happened to other consumers, which I 'm sure I 'm not the only one that has made this type of error or similar error, how much it adds to their bottom line till they have to give it back.. If this 23 days is their process time to correct something, I think their process needs to be look at. and change.
Consumer complaint received 2016-11-03
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (VA)

My mortgage was due on XX/XX/2016. I was behind due to illness from family and was working overtime to pay. I just got paid on XX/XX/XXXX and was behind in utility bills, so I paid those bills and with next paycheck to be directly deposited on XX/XX/2016 I was going to pay my mortgage. To my surprise Navy Federal went into my checking account and debit my mortgage payment, without authorization from me or my husband. When I called the about it, I was told if my mortgage was 16 days past due, they had the right to go in and take my funds from my account, with no notification. Told me they had control over funds in my account and my account could be frozen with no access granted. I have been struggling to pay, but have paid. This will result in my other bills not paid, like utility, food. I could not believe they would do this, without authorization.
Consumer complaint received 2017-05-30
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: WELLS FARGO & COMPANY (WA)

On  XXXX   XXXX ,    2017, w e received a letter from  XXXX   XXXX   XXXX , Senior Vice President,  Loan Operations, Consumer Financial Services, for Wells Fargo. In that letter, I was informed, " [ i ] n a   recent review of your relationship wit h Wells Fargo, w e found that you have defaulted on a Wells Fargo loan account. As a result, we are closing your credit card account as of the date of this letter...  ". A copy of this letter is attached to this complaint. In addition, Wells Fargo has filed a credit report with  XXXX  notifying them that we 've defaulted on Well 's Fargo 's account ending in the digits    XXXX .      We 've reviewed Wells Fargo 's allegation and have determined they are false. Documentary evidence supporting our determination is attached. We have brought this matter to your attention because of concerns that Wells Fargo 's allegation is also potentially fraudulent. Discussions with Wells Fargo  staff today to attempt to resolve this issue have been inconclusive, and we are concerned about the inaccurate report to   XXXX   remaining on our credit report. In speaking with  XXXX  from  Wells Fargo 's  " executive office '' (  XXXX , extension  XXXX  ), we received the following information  : 1 ) this might have been a clerical error ; and/or 2 ) this might have been due to inappropriate activity on another Wells Fargo account ending in the dig its  XXXX . As described below, we have had no such account at any time. She has informed us this matter will require 10 days to resolve, however has not provided any additional information regarding the steps involved with the resolution.     Information pertinent to this matter is attached to this complaint :  1. The Wells Fargo ac count is paid by direct deposit from a  XXXX   XXXX  checking account. Attached is a record of on-time payments to th e Wells Fargo account going back well over one year .      2. Wells Fargo alle ges that we have an second account with them which we have defaulted upon. In reviewing our credit report, we do not have any accounts wit h Wells Fargo except for the one en ding in the digits  XXXX . Attached are a   XXXX  -bureau credit report documenting our account history, and a account report from  XXXX .   XXXX   of these show only the sin gle Wells Fargo account ending in digits  XXXX .
Consumer complaint received 2017-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I took out a payday loan last XX/XX/XXXX for {$310.00} with Cash Central. I was n't able to pay the loan back at the time of the due date and continuously called my workplace without my consent, called my house and also my cell phone. I called them and told them not to call my work as I am working and I am not allowed to take personal calls on our work phone. The calls continued until I lost contact. <P/>On XX/XX/XXXX I received a call from a collector in regards to the debt and told me that I now owe {$560.00} and wanted to talk to me about a payment plan. I told them I will call them back when I am not working and to call my cell phone to discuss. Since then, they have continued to call my work and cell phone at times 3-4 times within a 6 hr period. I requested them to not call my work, but my request has gone ignored. <P/>I understand I owe the company a debt. But to ignore a consumer request not to call is unprofessional.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OR)

I recently enrolled in an identity protection service and on my credit report I found an old revolving account opened in 2004 which should be closed. It indicated the creditor is CBNA and their address is XXXX XXXX XXXX XXXX, SD XXXX. No phone number was available. An internet search lead me to believe that this is affiliated with XXXX XXXX, but none of the numbers I was able to find for them got me to anyone who could help me. I would like this account closed and reported as such to the credit bureaus. I tried to contact XXXX to dispute the account, but I was unable to get through their phone maze nor was I able to get anything done through their website.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX XXXX I received my social security benefits. I went to Chase bank at XXXX XXXX XXXX XXXX and tried to make a cash advance for {$1300.00} the teller got the XXXX XXXX XXXX debit card and ID and attempted to process the transaction, she said it would not go through. ONLY then did she tell me they were having computer issues. When I got back to my car I received a text from XXXX XXXX that my account was debited {$1300.00}. I went back to the bank 3-4 minutes and showed teller on my phone that the transaction did go through. They said the system would reverse the charge after midnight, it did not. On XXXX XXXX I went back to bank with a copy of statement from debit card. Bank loan officer said they realized it was their system failure stated he received email stating that, he would not give me copy of email?? On XXXX XXXX went back to bank, had gotten name of manager her initials are XXXX explained situation to her and she would not take any responsibility for error, very sarcastic I told her I was n't leaving until I had some evidence from them of problem. She would not do anything to help me and called police. When officer arrived I explained why I was distressed, I was not yelling are screaming. He asked that I would wait in my car while he talked to people in bank, when he came out he was sympathetic to my problem. He asked me to wait until XXXX if I had not received my money back he would write up a Fraud or Theft report. I 'm about to be evicted and behind in normal bills. Both the loan officer and manager of bank have flat out lied straight to my face. Today 's date XX/XX/17 this has been going since XX/XX/17. <P/>Needing help XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am making a complaint against XXXX XXXX XXXX XXXX XXXX I have an open investigation with XXXX XXXX XXXX XXXX XXXX who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo Home Mortgage/American Servicing Company, Repeatedly, had us completing Home MOD Documents, every three months, and denied us every time, as we fellook behind on or mortgage ddue loss of income and excessive medical bills, Wells Fargo/ASC forced us to fill for chapter XXXX bankruptcy on XX/XX/XXXX which was accepted, On XXXX XXXX, XXXX Wells Fargo/ASC, sent their vendor and had our front door locks top and bottom drilled out, placed new locks on our front door, as well not leaving a key, but also leaving ore front door completely unlocked, after we had filed for bankruptcy. PLEASE HELP! DUE TO THEIR FRUADULNT PRACTICES WE HAVE LOSS OUR HOME, WE OWNED SINCE XX/XX/XXXX
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2016, while checking my accounts with Wells Fargo in relation to some other open issues, I found some unknown charges on my credit card. I called Wells Fargo to report these charges and work out the details of resolving this issue, but I was met with the same useless " customer service '' people that have terrible attitudes, and generally refuse to do or be anything helpful.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have requested validation of a debt listed on my credit report from University of XXXX also listing their information as XXXX. I have never borrowed any sum of money from the University and I have asked them numerous times to prove the loan source. None of this information is listed with the Department of Education which is the actual lender for school settings.
Consumer complaint received 2017-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

In XX/XX/XXXX my wife opened our monthly statement from Roundpoint Mortgage to pay our bill. To our surprise, our payment had nearly doubled, jumping from $ XXXX/month to $ XXXX/month. We  immediately called Roundpoint thinking we missed a payment somehow. The gentleman in customer service told us we had a significant escrow shortage of {$17000.00} dating back to almost the inception of our loan XX/XX/XXXXwhen we had our home built. I asked how could this be? We are current on our loan, paid every penny that we are billed. His explanation in a summary was, we were paying an incorrect sum towards escrow for two years and Roundpoint was paying the difference out of pocket. According to the service representative, they had been trying to reach us but admittedly had a wrong phone number on file. No certified letter, no face to face representation, no phone call to warn us of our situation. We were completely blindsided. We were left with few options ; pay, sell, or do a loan modification. We are not in a position to pay {$17000.00}. A loan mod stretched as long as possible still would not get our payments down to a reasonable rate. So that left us with sell. We have been on the market for a little over a month with a few interests but nothing extremely potential. Earlier this week we received a certified letter from a law firm declaring foreclosure status on our residence and we have roughly 60 days to vacate the premises. I can not express enough how sad and disappointed this makes me. Without warning we had our home taken away from us. Thankfully my children are young enough to not completely understand what is going on, but for my wife and I we have taken away the bitter taste of shady financial practices.
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I previously filed a complaint with CFPB Case No. XXXX, and XXXX. I received a letter from Key Bank Operations Manager XXXX XXXX, please see attached document. I placed multiple calls to her only to every time get her voice mail. She never returned my calls. Even though I feel I did n't owe the {$47.00} I paid it anyway, please see attached receipt. I paid the {$47.00} at Key Bank Branch on XXXX XXXX XXXX XXXX. XXXX XXXX, N.Y. The bank officer XXXX XXXX kept calling Key Bank home office and XXXX to report I paid the {$47.00} and to release me so I may open a checking account at another bank. XXXX XXXX became frustrated because he was n't getting anywhere and advised me to call Key Bank XXXX and ask for overdraft recovery or collections which I did. No one was able to any longer locate this account and told me to go back to the local branch. I said I was at the local branch and they told me to contact the Key Bank XXXX number. Nobody at Key bank knows how to release a customer from derogatory complaints they made against them to XXXX. Consequently I have not been able to open a checking account anywhere since last year when Key Bank closed the branch I did business with for over 20 YEARS.. I it apparent Key Bank increases their value by not closing accounts when the customer requests and not releasing customers from XXXX when the customer paid it off. Note in the letter they reported {$87.00} to XXXX when I only owed {$47.00} they claim. The operations manager admits it in her letter, never bothering to correct the amount with XXXX. We all know now how they were able to purchase First Niagara Bank. Please let me go on with my life and release me from XXXX, they got my money they did n't deserve and permanently close checking account number XXXX as it is obvious this bank does whatever it takes to gain assets. Thank you.