davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

Recently, I needed to make a payment for my teaching course certification fee. I checked my available balance in my Wells Fargo checking account and noted I needed to transfer {$9.00} from my savings account to my checkings account to make my payment of {$600.00} without going into over draft. After the money was deducted from my account based on the available balance at the time, Wells Fargo charged me an over draft fee. The only reason I can find to explain is, is that the available balance displayed to me online was not accurate at the time of transfer and the currency conversion fee at the time had shown up as deducted but was not actually deducted from the funds actually available to me at the time. I have tried contacting my branch manager about this issue through phone and email several times at an inconvenience as I live XXXX currently and can not physically go into the branch to resolve this issue. Additionally, the automated overdraft protection service took the remaining money from my savings and transferred it to my checking account to compensate for the overdraft ; there still was not enough money to cover the amount over drafted, so I was charged the overdraft fee. Now after being guaranteed I would not be charged monthly service fees on my checking or savings account, Wells Fargo has charged a $ 5 monthly savings account fee. Essentially, both accounts have a negative balance and I have been unable to resolve this issue because of the unresponsive and uncooperative attitude on behalf of the bank manager at Wells Fargo. I would like to resolve this issue as soon as possible and have my requests met as I was not in the wrong as a consumer and Wells Fargo has been misleading and refusing to communicate.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX/XXXX/16, I was notified of a glitch within Transunion 's systems that resulted in all of my inquiries being deleted from my report and subsequently being placed back on to my report. I 've called several times in attempts to speak with the Special Handling department and have either been on hold for several hours or received bad customer service from rude, impatient customer service representatives. 

I 'd like to speak with someone regarding the glitch, as it is against federal law to remove and then reapply the inquiries to my account without notifying the consumer first. Is it possible to investigate this glitch and have someone from Special Handling contact me in regards to removing these inquiries? 

Thank you,
Consumer complaint received 2015-08-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a " Home Equity '' line of credit with Bank of America ( BofA ). THE ACCOUNT # IS : XXXX. 
I am XXXX years old and I 'm retiring. In order to reduce my monthly payments on this account, I went in person to BofA in downtown XXXX XXXX, CA and asked if I paid down my loan amount from about {$220000.00} to about {$120000.00} ( a payment of {$100000.00} ) would that reduce my monthly payment? I was told " yes '' and my new monthly payment would be about {$1000.00} a month instead of my usual monthly payment of about {$2300.00} per month. This is a big monthly reduction of my monthly payments since I 'm retiring. This transaction took place in XXXX, 2015. Now BofA will not reduce my monthly payment after I paid down this account by {$100000.00} in XXXX, 2015.
Consumer complaint received 2015-04-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I was contacted by phone, with a threat of criminal prosecution if I did not pay the amount in question, on a loan I know nothing about, did not apply for or receive, and have never received any bills for - and they would not provide me with any of the details about the alleged loan - hanging up on me several times over the past XXXX days. 
They are threatening me with criminal prosecution - something that could destroy my career, clearly trying to frighten me into paying the {$630.00} in question - an amount I could have paid at any time, and which I have considered paying to make this go away - even though, as I have said repeatedly, I did not take out this loan, and if XXXX was taken out, it was done fraudulently.
Consumer complaint received 2015-12-22
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: Park View Credit (NC)

Signed up with Park View Credit to repair credit on XXXX XXXX, 2015. As of XXXX XXXX, 2015, they have not done anything. I was told by XXXX XXXX that the {$59.00} XXXX fee to pull credit ) would be deducted from fee of services. The price that I was given by XXXX did not include a deduction of the {$59.00}. XXXX XXXX said it would take 45 days but, as of XXXX/XXXX/2015, they have not done anything. This company has received {$400.00} and have failed to do what their contract states.
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I just received an email from " Navient '' asking for {$100.00} payment. I am still in college and do n't know why at this time they are asking for money. My service was with XXXX & it looks like this is the new company that has taken over. I was told I did not have to start paying the loan back until 6 months after graduation. 
I just read the reviews on this company. I do not want to deal with them. What are my options?
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate
Consumer complaint received 2016-02-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC (CO)

I had got to judgment to garnish my check in XXXX and the amount was XXXX well within 2 months they added {$1100.00} on to this bill now its XXXX so when I call to talk with them there was suppose to get rid of the fees and the penalties fees. I told him I do n't understand why {$1100.00} is added on here from XXXX to XXXX 2 months, so the guy cant explain to me why the bill is XXXX more everytime I call him he seems confused and ca n't explain why. I 'm willing to pay XXXX making payments a month but I refuse to pay all those extra fees and I do n't understand it and this was a bill from XXXX from XXXX XXXX. I was just wondering is n't there a statue of limitations in Colorado for 6 years just a question!
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (TX)

Constant non stop, several calls per day to my cell phone. I 've answered and they say they are wanting to speak with someone other than myself, I tell them they have the wrong number and I am notifying them to stop calling, as I am charged on my cell phone. They have continued to call even more frequently. Tactless, rude demeanor and quite disruptive. Please STOP these people. Thank You.
Consumer complaint received 2016-08-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

My mortgage was " sold '' to another lender in XXXX. I 've asked on numerous occasions to please provide a copy of the deed, note, and other documentation ; however, they can not provide evidence or supporting documentation that they even own the property. They can not provide any supporting documentation and do not have any paperwork pertaining to my mortgage ( note, deed, etc. ). I need these documents for legal purposes, my final will and testament, and to prepare to sell my home ; however, the lender ca n't provide them to me.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Real Time Group, Inc. (CA)

In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to Real Time Resolutions. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. Realtime Resolutions responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, W2 and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (MN)

We have bank accounts with XXXX local branch office at XXXX XXXX XXXX XXXX XXXX we do all of our deposits in this branch. On XXXX/XXXX/2016 and XX/XX/XXXX we thought we deposited in amount of {$5100.00} in XXXX batches. On XXXX we deposited check in amount of {$1000.00} even and {$2400.00}. And XX/XX/XXXX in amount of {$1600.00}. 
Once I noticed the discrepancy we went in person to talk to the XXXX, he talked to us and promised he will try to figure it out. After taking XXXX weeks or so around XX/XX/XXXX he called he said he was unable to figure out either from the video footage or from the batches. We have requested to look into the camera for both days which he refused. We then asked if we could talk to the XXXX. He called then we explained the situation and he promised to get back to us. I heard nothing from him since. But we have called twice or so because we are frustrated at this point. We are writing today to you because XXXX does not understand what {$1000.00} meant for a working family. We are deeply disappointed as this speed of respond it extremely too slow and also customer service for paying no attention to the matter in addition to the supervisor and XXXX. It seems they didnt care about what has happened from how they have been drugging us until now. How much this can affect out family? We would like to end any business with XXXX once we get resolution and look for better bank that can take care of our money.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I borrowed XXXX form XXXX XXXX that is now Navient with the help of a co-signer in 2004. I have been paying on this loan for 10 years and still owe XXXX. I have been charged late fees when my payment was on time. I have paid over XXXX in interest and the principle has never gone down. They refuse to let my Co-signer be released even after this long period of time & payments being made.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

I wanted to sort out a bill that I had with a hotel that I stayed in During XX/XX/XXXX. There was about a XXXX dollar discrepancy with the total costs, this turned in to overdraft charges are lot of falsified information that should have never been presented to me about my initial dispute. The dispute was handled poorly and to make matters worse, the entire customer service term treated me like XXXX. They eventually would just leave me online- during out chats, they would never be consistent on information that had a clear yes or no answer- it was n't until I contacted their HQ to explain my concerns, that the situation started turning around. To make matters worse, I was getting charged on specific fees that I had called in days before to warn DFS- that the COMPANY IS BOGUS. 

FURTHERMORE, I DO NOT Beleive that I was ever notified by DFS that during months where i was not using the CC, that NO STATEMENT WHATSOEVER, NO RECORD of ANYTHING not even an online PDF notating the month of inactivity would be created. I found this to be UNHEARD OF THEM. THe reason why this is ALSO A PROBLEM is bc I BELIEVE THAT THIS GOES AGAINST CERTAIN FDA Regulations and I am hoping to get this situation investigated. 

My Desired Solution- DUE TO ALL THE OF FASLE INFO PROVIDED TO ME, and HOW Representatives lied to, telling me to " just obtain -- -- -- '' and we can take it from there, but DO IT IN 3 DAYS, was the most stressful catalyst that did not serve any purpose. Just another misinformed employee, giving me falsified information and basically HOMEWORK. 

I do not wish to pay for this particular dispute, because it has caused so much HEADACHE and has been so time consuming- most of the time because nobody I spoke with really had any idea on the matter, until I FINALLY spoke to a billing manager, AFTER I went on my wild goose chase, and SHE hung up the phone on me. 

I could n't believe what was happening to me, essentially I just wanted to inquire about a charge that was off by max XXXX dollars, somehow I ended up talking to the rep about my issue might being worth JUST DISPUTING THE ENTIRE CHARGE. That idea never even came to my mind. 

ICING ON THE CAKE- Many automated voice messaging systems say that your call might be monitored or record- GUESS WHAT? MY WAS FULLY MONITORED by a MANAGER, as some kind of TEST for a SUPERVISOR OF HIS. 

So on top of telling me some very BAD ADVICE THAT THE SHOULD NOT HAVE DONE, they then treated me like I was subhuman, AND TO MAKE SURE I KNEW they THOUGHT I WAS SUBHUMAN- I BECAME A TEST FOR ONE OF THEIR EMPLOYEES TO TAKE DURING HIS SHIFT. 


I have names, employee numbers, everything and I am beyond happy to share every detail of INSANE this situation was. DFS BLOCKED ON TWITTER when they claimed to be responsive 24/7. I CAN GO ON AND ON about why I am so UNHAPPY with a CC company that I HAVE BEEN WITH SINCE I WAS SEVENTEEN- I am XXXX NOW. 


STILL CANT BELIEVE THIS.
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2017 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2017. 

For the fourth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous three illegal sale attempts of this entity. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Receivables Performance Management, LLC (TX)

Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address '' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. 
The collector also would not release any information about their agency.
Consumer complaint received 2015-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK ()

Hello, I took out a student loan with XXXX in XX/XX/XXXX to take marketing courses at University XXXX. The courses were demeed to prepare one for a marketing manager role which was untrue. I digress, about 2 years ago XXXX XXXX sold my loan to Discover. Discover has never been able to show me my full repayment history. It 's not available on my online account. I have called customer service many times to find out how much I have paid etc. They will not provide me with anything. The history in my account only shows the payment for the last month and sporadic untrue payments ... like a few payments in XX/XX/XXXX. Also, I have moved abroad and I can only pay from a XXXX bank account. I have direct debit set up and yet every month I get emails from Discover saying that i need to log in to my account to make a payment. I just received XXXX now on XX/XX/XXXX and my account is up to date! No payment is due until XXXX XXXX! So despite not having been a XXXX citizen, I was able to take out student loans for an expensive and inappropriate course, and 14 years later I 'm still paying and ca n't get an accurate history of what I have paid.
Consumer complaint received 2015-05-24
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Onity Group Inc. (NV)

Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. 

All amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. 

A request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. 

This request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report.
Consumer complaint received 2016-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Advantage LNS Inc. (TX)

I was a victim of identity theft and noticed a collection from NCAC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCAC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWORTH MORTGAGE LLC (TN)

The XXXX got a contract on their house XXXX XXXX, 2016. In the contract it indicated closing would be XXXX XXXX, 2016. No one heard any different until the day before, XXXX XXXX, 2016, when their buyers were told there would not be a closing on that date. The XXXX, their XXXX XXXX and myself had packed everything up, with the XXXX 's and the XXXX loaded in moving trucks to proceed with their moves on the XXXX. The next date they were given was XXXX XXXX, 2016, which did not happen, then XXXX XXXX, 2016, and now we are being told maybe XXXX XXXX, 2016. As a result all XXXX families involved including children have had to make other living arrangements, have incurred additional cost of hotels, meals, time away from their families and bills from the move that ca n't be payed until these houses are closed on. When contacting XXXX Mortgage XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX the only explanation is they have been busy. When dealing with families lives in such a big way they have no regard for all the inconvenience they have caused due to their lack of imcompetence, in handling multiple loan applications. The fact that they did not communicate the delay in the first closing date until the day before is unacceptable. We have all suffered financially and continue to do so because of their imcompetence. I would be happy to hear from someone who can shed some light on this situation and bring reimbursement for the losses. XXXX XXXX
Consumer complaint received 2018-08-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

They will NOT send my payoff, they keep claiming they are faxing it and verify the fax #, every single time I call there is a different excuse, it takes 5 days, it takes 2 days, you sent the payoff request to the wrong fax number, can you verify the fax number, and now they say they have faxed it 3 times but don't have the times it was faxed. My attorney is holding my loan proceeds until they receive the payoff statement which never seems to come!