davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

My son, XXXX XXXX and his girlfriend XXXX, ordered a dog on XXXX for {$270.00} on XXXX XXXX. The seller on XXXX XXXX " XXXX '', email address XXXXXXXXXXXX, phone number XXXX XXXX XXXX XXXX. The western union transaction was sent to XXXX XXXX from XXXX XXXXXXXX # XXXX. The seller told him to western union the money and he will receive the dog the next day on XXXX XXXX, 2016. After sending the money, my son got a call from someone ( XXXX ) requesting additional fees of about {$800.00} stating that the dog was stuck in MN and they needed the money to purchase a special crate for the dog. My son called me frantic. I called the seller and began questioning me as to who I am, then hung the phone up. I called Western Union and began filling out a Fraud claim but was told by WEstern Union to call back in 15 days. Today, I disputed the charges with my bank. 

I am not certain that anything will ever come out of this and my son has lost his hard earned {$270.00}. Not knowing what to do, I have decided to contact you for assistance. Any help you can provide would be greatly appreciated. 

thank you. 

XXXX XXXX XXXX email : XXXXXXXXXXXX
Consumer complaint received 2016-06-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

The following case has been filed before this. The case # XXXX. The problem is the last resolution that was sent from the company had the wrong amount of money owed backed to me. The total garnishment they took was {$4600.00}. They had since sent a check in the amount of {$3000.00}. I was asking for a remaining balance of {$1900.00}. This is to equal the amount of {$5.00}, ooo.oo. The balance over the garnished amount was for loss wages and mail correspondence to be reimbursed. I denied the companies resolution, they reversed the amount shortening me {$20.00}. This should of been paid months ago. It is now ordered they should only be fair and pay interest on this money they refuse to send me. I believe thee rate they were charging me for garnishment was 12 %. I believe that is what I am owed. They had stalled for 3 months. 3 months at 12 % if {$1900.00} equals {$940.00}. Please have then send a new contract I will gladly sign. They have to get a new way for me to send it. I do not live I a big city and do not have access to a XXXX drop box. The nearest one is 45 minutes away. I believe I should not have to spend any more money on the account they garnished and deemed fraudulent. The total amount owed to make this whole is {$2900.00}. Note I have all documentation already submitted in previous complaint. The proof of amount garnished from my XXXX XXXX. Thank You.
Consumer complaint received 2024-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX was sent to a bank account that didnt match the tax payers name and the bank will Not reject the funds back because its someone elses account and we need that money back. But I have contacted the irs and the 3rd party they said it was nothing they could do
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NV)

I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX. I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.
Consumer complaint received 2016-06-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aequitas Capital Opportunities Fund, LP (CO)

CarePayment allowed me to set up an auto bill via my credit card to pay monthly installments. They then shut the auto pay off without my authorization and charged me late payments. 

They had no authorization to shut off my auto pay. The nature of auto pay is that it is automatic, there should be no reason for me to do any " updates '' with them monthly to keep my auto pay turned on. This is just a way for them to charge unwarranted late fees.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

My credit report showed I owed Certegy {$200.00} from a check written on XXXX/XXXX/XXXX to XXXX. I contacted them and they said my bank did n't pay due to NSF. I contacted my bank and they said to dispute it because I had money at the time and overdraft protection. When I disputed, they ( Certegy ) figured out someone had keyed in the wrong bank account. I agreed to pay the check but they could not tell me who to pay it to. They said they sent the check to XXXX XXXX. XXXX XXXX said they returned it on XXXX/XXXX/XXXX because they did n't send an image of the check. I submitted an inquiry and they returned a letter saying that Complete Payment Recovery Services had the claim now. I contacted CPRS and they said they sent it to XXXX XXXX. I contacted XXXX XXXX again and they said they sent it back to Certegy. When I contacted Certegy again to see who I needed to pay they said they would mail me information. I never received it so I called back on XXXX/XXXX/XXXX and they told me to call CPRS. CPRS told me to call XXXX XXXX, XXXX XXXX told me to call XXXX. XXXX checked in all XXXX of their data bases and there was no references to this claim and call XXXX back. I spoke with XXXX at XXXX XXXX and then XXXX who said she sent it back to Certegy and would send it again today. I waited a couple of hours and called Certegy back and they said I needed to call CPRS. I explained I had called them already and had been sent to XXXX XXXX and now back to them. They ( : XXXX ) stated she did n't see any notes that I had talked to CPRS and I would need to contact them again. I did and spoke with another lady and she said she would send an email to XXXX XXXX. I called XXXX back and they said they do n't have my claim. It has almost been XXXX months and I 'm in the process of trying to buy a house and this is holding up the final paperwork. Nobody can tell me who to pay and keeps telling me that another company has it. Customer service from Certegy has not been helpful and keeps putting it off on other companys.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (VA)

AMEX gave my personal information to XXXX during the XXXX credit card change over fiasco AGAINST MY SPECIFIC INSTRUCTIONS. I called AMEX as soon as I found out what was transpiring and was told the only way to stop the information from flowing to XXXX was to cancel my AMEX account, which I did immediately ( XX/XX/XXXX ). Today, XXXX XXXX, I received his and hers XXXX cards in the mail. Absolutely UNCONSCIONABLE. AMEX has proven its incompetence at keeping customers and I guarantee that I will NEVER be a customer of theirs again nor will I ever recommend to any of my friends or family to be members.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX of XXXX my financial advisor noticed a charge on my Wells Fargo XXXX statement from a company that I had never done business with. The name of that company was XXXX XXXX XXXX XXXX, out of XXXX AZ. At that point I did some research on the merchant to find out why they had charged my card, because I have no record of doing business with this company. They charged me {$3900.00} on XXXX/XXXX/XXXX. So I went on the internet and looked up their company info. I found a number for them and when they answered they answered the phone as In Compliance Services. I asked if I had the right number for XXXX XXXX XXXX and they said yes, it 's the parent company. Then I asked if they could provide me with a invoice for services rendered on my card on the date of XXXX/XXXX/XXXX, and why they would have charged me. They put me on hold and forwarded my call to another young lady who said she was in charge of billing. I explained to her that I had an erroneous charge on my card and that I 'd like to get some more information on what services they provided me and some paper work or an invoice for services rendered. She told me that she could not. At that point I called my Credit card company, Wells Fargo, with my financial advisor on XXXX/XXXX/XXXX. They told me that they have a {$0.00} fraud liability protection clause. I explained to them that I had no business with this company and was not sure how they got my information but I would like to file a fraud claim against this company. Wells Fargo filed the claim, however they denied my claim because they said since I paid my bill authorized the charge. They told me that I could file for reconsideration, so I did. However, they denied that claim as well.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I mail a certified letter to Transunion 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Transunion has verified they received all three letters but transunion continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc a sample letter is attached Transunion continues to put this matter in dispute why?? Transunion then turn around and send me a credit report stating verified that 's not what Im asking for Im asking for proof of validation and transunion been playing games Im done playing games this is a serious matter and needs to be taking seriously. Attached documents are Letter from XXXX XXXX, Certified letter receipt, transunion validation on credit report, etc Transunion has no proof and I want this deleted off my account this is my final step and being that I followed protocol my next step is to take them to smalls claims court Im done plating games. 

Regards XXXX XXXX XXXX
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I have had frequent problems with Wells Fargo. As a customer of theirs, after the Wachovia merger caused Wells to be my mortgage lender for my XXXX and XXXX mortgages, I have hit brick walls in trying to get my mortgage issues resolved with them. During the XXXX several years I 'd dealt with them, I had no problems. However, after XXXX late payments in XXXX and their still extracting funds from my checking account, I continued to make my payments in a timely manner. In XXXX XXXX, after my Chapter XXXX bankruptcy, I continued making my payments. I never reaffirmed the mortgages as they never approached me about doing so. In XXXX XXXX, they said that as long as I made my payments in the month they were due and the required amounts, the mortgages would continue. I kept my part of the bargain. Then, in XXXX XXXX, when I called to make my payments, they refused them saying they were NOT accepting any more of my payments. I asked why and the rep said it was a business decision. I asked what exactly that meant and even asked to speak with a supervisor for clarification. I was given no information. I hired a XXXX to help me figure out why they did n't want my money anymore. She did n't get very far with them either and I sent them a letter asking if they would reconsider letting me continue to make my monthly payments as I 'd done for XXXX XXXX years in this home. They never responded. I called them to ask about resuming my payments and was told by a CSR that they were n't allowed to speak with me. I let my attorney know and she wrote them a letter saying that she no longer represents me so they might speak with me. I called my attorney and met with her again as well as spoke with another attorney that she referred me to. They XXXX suggested that I file a complaint with the CFPB. I am really frustrated and just need resolution to this nightmare.
Consumer complaint received 2016-06-13
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: FIRST HORIZON BANK (TN)

I have a prepaid First Tennessee Bank Prepaid " Companion Card '' XXXX. On XXXX XXXX, 2016, the account was frozen, shutdown and suspended for exceeding load limits that were not published in the terms and conditions of my cardholder agreement. After multiple calls I was promised my funds would be returned to me promptly. On XXXX XXXX, First Tennessee Bank indicated that the remaining balance of {$4900.00} had been mailed to me as a check. Despite this I have received no check in the mail to date ( XXXX/XXXX/2016 ). I have made multiple calls to First Tennessee bank with no resolution. My most recent call indicated a second check could be sent, but only 90 days after the first check had had a stop payment requested ( XXXX/XXXX/2016 ). 

This is an absurd, unacceptable and unreasonable delay. My funds are being held hostage by First Tennessee bank and need to be released promptly.
Consumer complaint received 2016-06-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (WV)

I am disputing a medical bill placed on my account by Nationwide Recovery Service for {$380.00} ; due to the fact it has been previously paid. This collection has been paid, and then transferred to another credit company. This account has already been removed from my XXXX account. After XXXX completed their investigation, then immediately this account was placed on XXXX credit report. As you can see this account was opened on XXXX XXXX, XXXX. I have never been contacted by this company before stating that I owed any amount of money. Now, over 5 years later, this company has added a debt collection to my account, with no contact or billing over a 5 year time period. Over the past 5 years I owed XXXX Medical bills that have gone into collection. XXXX paid to XXXX XXXX on XXXX/XXXX/XXXX and another to XXXX XXXX XXXX/XXXX/XXXX. I am certain that I owe no medical bills at this time and that this outdated medical bill is incorrect, due to the fact that during the time of service my medical insurance paid a portion, I paid a portion of the medical cost, then on XXXX/XXXX/XXXX I completed a {$600.00} payment to XXXX XXXX company for any remaining balance of the medical service. 

This continues to be an ongoing problem. I accumulated medical bills while in college. Since this time I have paid all my debts that originated from a XXXX medical procedure. It seems the more I work on my credit, another new debt that has been paid is added. I appear to be playing whack a mole with these medical bills. I pay XXXX bill in good faith, for it to turn around and be sold to another collection company and be added to my account. As an adult these frivolous debts are affecting me in many ways. I have been in the process for several months buying a house. I once again have to put that on hold, because of the new debt collection added to my XXXX credit report. The first time I put buying a house on hold was in XXXX of XXXX, due to the fact this same debt was added to my XXXX credit report. It has since been removed from my XXXX credit report, to be added to XXXX immediately after. I 'm wondering when this will stop. 

Another way these debts affect my life is for background checks. I work for the XXXX XXXX XXXX XXXX. None of these accounts appeared on my background check completed in XXXX XXXX. Since then, they have continued to appear from a bill dating in XXXX XXXX. In the near future I am due for my 5 year background check and here I am again. 

All In all, I 'm just looking for a way to have these bills removed for good. I have sent the attached information and filed a dispute with XXXX, but it 's anyone 's guess if they will remove the bill or not from my credit file with their company. I have statements attached that show all of my past debs have been paid.
Consumer complaint received 2016-06-13
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Control Technology, Inc. (PA)

Account Control Technologies ( ACT ) contacted me several months ago in reference to my student loan debt via telephone. I repeatedly asked during the phone call to be sent information detailing the acquisition of control over this debt, and was repeatedly told that they could n't send me any information, that it was up to me to contact the XXXX. My tax refund was recently seized by ACT, and when I contacted the XXXX I was told that they could n't give me information about the debt, and that ACT was the only XXXX to speak with. I was told that this payment was made to them almost a week ago, and I have received no paperwork from any agency of any kind ( public or private, state or federal ) relating to the seizure of my entire federal income tax return. I need to know how I can rectify this situation that is rapidly spiraling out of control.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (NY)

XXXX XXXX claiming I owe a past due amount from 2010 for a XXXX XXXX sports club I never enrolled or attended. XXXX XXXX is now owned by XXXX.
Consumer complaint received 2016-06-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

After multiple attempts through calls and internet, from an unverified number Frauders were able to social engineer ( with a sin and zip code ) a USAA employee in to allowing access to my accounts. The Frauders were able to get thousands of dollars and my families personal information and even though USAA know it 's fraud ( this same event happened a ton of times ) and they were at fault. I was not alerted or contacted by USAA of the failed attempts on my account. USAA failed to place process and procedures and training to ensure that this ever happens again. Even this morning, the verification process did n't happen and I was able to speak to someone about my account and a manager about my account with out security questions even though my accounts are on high alert. These repeated failures continue to led to this same act of fraud.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I am utterly furious with Wells Fargo, and the way they have miss managed my account. I currently have a sale date for XXXX XXXX, XXXX, and they wont post pone it! My case is still under review for a Clarity Commitment which was granted in XXXX. The problem is during that time I was in the middle of review and every time I called to get updates ; representatives never mentioned it. It was a few months ago when I found the letter of acceptance in my files and demanded Wells Fargo to acknowledge it. This is the reason Wells Fargo has been sued previously and the reason why I am extremely upset. This is under investigation and they continue to prolonged the process. The escalation department is the XXXX reviewing my file and stating they do n't have access to post pone the sale date. I 've been advised to re-apply, but the re entry team wont accept the complete application that was received last week. They are declaring since I have fallen behind by almost three years Wells Fargo has a right not to review my file! I 've spoken to my lender and they 've have no restrictions. I do n't understand the reason Wells Fargo continues to put XXXX XXXX blocks and fail to take into consideration my home was part of the lawsuit claim back in XXXX. I 've written a letter explaining this frustrating situation.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OH)

I was told by American Express on multiple occasions that i would receive the bonus offer of XXXX XXXX points for my XXXX card after completing the required spending limits. However, American Express went back on their word once I completed the spending limit and stated that I would in fact not receive the bonus offer due to owing a similar American Express card in the past. I would like American Express to honor their statement an award me the bonus points for my Americna Express XXXX XXXX card that I met the spending requirements for.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX   has consistently been a problem.  XXXX  Equifax  XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NJ)

We were behind in our mortgage for years due to a illness in our family. We finally were able to get help for our son, but the process took it 's toll on us financially as well as emotionally. Once we were able to place our son in a facility where he was able to get the help he needed, now in recovery, we were able to reclaim our lives and get our business back on track. Over the last 1-1/2 years, we have been earning an average of $ XXXX, and more than enough to pay our mortgage. We attempted to modify our loan and over the last 6 months showed the bank, PHH Mortgage Services representing Coldwell Banker, that we had been earning steady income and more than enough to pay our mortgage. Ultimately, PHH denied our application and our home was foreclosed on XXXX XXXX. We sent a certified letter requesting the reason for the denial and have not had a response.