davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CO)

I was in the process of having XXXX  and needing to get XXXX just came from the ER and my leasing office put a boot on my car on XXXX XXXX  XXXX XXXX XXXX It Right XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX  XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} while I had submitted a dispute to US Bank regarding this issue they denied it on XX/XX/XXXX in the process of the dispute someone did not pay attention when the money of XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$340.00} was placed back into my account causing my account to go into the negatives ( - {$230.00} ). In the process of doing this my debit card was locked which means no one can use my card well some transactions were still go thru. I called US bank to find out why transactions were going through. After I spoke with someone at US bank my account stopped getting charged by the same people low behold now my account is XXXX. Just because of overdraft charges. I tried talking to someone XX/XX/XXXX at US bank because IRS is sending CHILD tax credit to this account and now XXXX is going to them. The person I spoke flat out refused to put my account before the overdraft charges.
Consumer complaint received 2015-09-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

Call from Wells Fargo XXXX on XXXX/XXXX/2015 Saturday XXXX about a payment made though my attorney for XXXX/XXXX/2015 XXXX for XXXX which was the wrong amount was provided - {$50.00} off for mortgage that is still in dispute as they have failed to answer a QWR ( twice ) yet have forcefully made me take a loan modification ; and even at that the amount was still incorrect ). It was paramount in the first few minutes of the XXXX minute call that the Wells Fargo Representatives were clearly uninformed. What I find odd is that the VP and Higher level personnel at Wells Fargo have said there is a XXXX day grace period on payments without penalty. Especially they said on this case. That was said in court in XXXX and has been the same ever since. They have been made aware of my attorney and have now been placing calls to me versus him. They say they have no record of representation even after XXXX years. They have now done this XXXX times. They say there is no record of anyone telling them that. Phone calls come from all over, California, Texas, Iowa, South Dakota, North Carolina, etc. XXXX gets a XXXX phone number to call back but then it is rerouted to someone else to regurgitate the story again only to be told they do n't see anything. This IS PHYSICALLY DEBILITATING AND CAUSES MAJOR ISSUES ( XXXX ). This is my only bad account and it stems from Wells Fargo misapplying payments and then hiding money. They have now sent XXXX refunds to me yet they say I am not paying my bill. Good reason is they do not even know how much I am supposed to be paying. Clearly they are not held accountable nor are they help liable to the FDCPA, FCRA nor Dood Frank measures. When will someone take on these " can do no wrong '' giants and do the " simple '' right " accurate and legal '' thing for consumers?
Consumer complaint received 2015-12-19
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo strongly suggested that I open a business credit card account in order to maintain some features I had. I never requested they connect it to my consumer checking/savings. Why would you do that since the IRS frowns ( rightly so ) on co-mingling funds. Historically I kept enough of a balance in my saving in order to cover any overdrafts from checking. This happened and Wells Fargo covered the overdraft from the business card-a set up I never requested. It should have been easy to fix. Remove the charge from the credit card. Make a transfer from savings to checking to cover the amount. Why link a business card to a consumer account? For years I covered any overdrafts from savings. 
The txt files attached are text sent by WF secure email. I can only copy text before sending.
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OH)

I initially opened my bank account XX/XX/XXXXfor my VA XXXX check as the government wanted to do away with a paper check. My account did not have any service fees attached to it as long as I used no checked and never went into the bank and only used the debit card and the ATM. Wachovia bought this bank out around XX/XX/XXXX or XX/XX/XXXX and the account stayed the same. When Wells Fargo bought them out during the subprime crisis they started charging me a monthly fee for my account. I talked to numerous people and fees were waved for a time but then returned. When I called again to complain about the fees, they switched my account stating this would be a better account for me. I was given the impression that this would stop the fees. But instead they were increased from XXXX dollars a month to XXXX dollars a month. Again I called to complain about charging me fees on my account and was told I needed to have XXXX dollars in the account a month. My VA XXXX is not that much and there are no bank branches or ATMs in my state. I even pointed out that all of Wells Fargo competitors have free accounts for XXXX Vets and XXXX XXXX Military. I was told that they do n't. I submitted paperwork with my VA Rep in XXXX, Ohio to change my VA XXXX to a different Bank account on XXXX XXXX, XXXX. Unfortunately, due to how the VA operates, the XXXX direct deposit did n't go through till XXXX XXXX, XXXX ( not a typo ). Then I was able to close the account. So from XXXX to XXXX Wells Fargo bank has charged me a fee for an account I never signed up for, with a bank I never opened an account with due to the Mortgage Crisis and the fact that they bought out my bank ... on a check that the IRS ca n't even tax due to it being my Service Connected XXXX check from Veteran 's Affairs. No one from Wells Fargo wanted to help me and I feel it to be discrimination. First a XXXX from the VA with a pittance of a check for serving my country, then XXXX by a Bank who helped cause a XXXX.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Denial for Gap in Employment ( Husband ) no letter from Navy Federal Credit Union ; Navy put us in for the wrong Mortgage Loan put The XXXX in for First Time Home buyers ; Misled closing Attorney by sending documents for them to close on Loan : We determine we was put in for the wrong type Loan, Navy put us in for a First Time Home Buyers and I ask that question back in XXXX 2016 who decided that type of loan, this correspondence was sent via Navy message but never got corrected by Loan Officer ( XXXX XXXX ). XXXX sent an email saying approve to move to processor and she ( XXXX ) will be get in touch to prepare the XXXX for closing. The closing Attorney said the file was given to him a week before the closing date XXXX XXXX, 2016 so he can prepare for closing. I phone and XXXX told me XXXX said was not going to make closing, why was n't we notified about closing. Navy never told us to extend closing and now all involve was misled about closing on my future home. the final, the XXXX call XXXX Monday XXXX XXXX, 2016 later that day and she told us we was denied because of my husband GAP in Employment. We do n't believe XXXX XXXX followed the attached email from XXXX HR contact XXXX XXXX XXXX to verify his employment, the email is attached and why was n't the employment verification done weeks in advance and then we was told the Loan was Denied wholly off XXXX gap in employment by XXXX over the phone the same day she contacted his employer?
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Patenaude & Felix A Professional Corporation (WA)

This debt went to collections, to the firm Patenaude & Felix, A.P.C. They sent me a judgement balance for {$14000.00}. This was paid via wage garnishment. After the garnishment was complete and the judgement balance paid, I received another letter stating that the judgement balance for the same case number was now {$1700.00}. I asked for documentation for that was for and was verbally told that it was interest. I asked for documentation of the interest rate etc.. and was told that none would be provided.
Consumer complaint received 2016-08-07
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Farrell Holdings, LLC (TX)

My financed car was deemed a total loss in XXXX 2016 due to a flood water in XXXX, Tx. My insurance company payed out over XXXX dollars on the XXXX I owed. I understand I am responsible for the balance, however, once an insurance company makes such a payout it is my understanding they take possession of the vehicle, so how is it that my bank can file my car as a repossession? And claiming I owe more than what my actual balance was after the last payment I made.. Because I am still without a vehicle and ca n't even finance one because of their reported repossession. I made I believe 9 payments on the car and never a single one was late, until after it was deemed totaled and I did not have possession of it. Can they do this and what do I do now? I already lost the job I had, found another only over a week ago, and no car is causing issue again. This is n't right.
Consumer complaint received 2016-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (MI)

A man has been calling my sister for some time regarding efforts to collect a debt that he claims my son is responsible for. This man identified himself as XXXX XXXX. His number is XXXX. My sister contacted me and was very upset feeling as if he threatened her. He used extreme profanity including the XXXX word, along with calling her all kinds of obscene names. I called him today, XXXX @ XXXX and he was so volatile and nasty that it can not be explained. He called my and my son XXXX said my son is in XXXX because his mommy did n't take care of him, he was placed here by XXXX to deal with people like us. He then said word on the street is you have a good job, you work for the state, so just pay it. Give me your debit card number now. I asked for paperwork and he refused. He finally did tell me that this was from something that my son signed for on XXXX. He did say his company was Integrated Service out of XXXX XXXX, NY. He said is boss was XXXX XXXX but would n't provide me a number directly to him. I did tape his call half way through as I felt very threatened and slandered. He told me he was n't harassing me because he had n't physically threatened me. When I told him I was going to speak with my lawyer and law enforcement first he then said he was going to make America great again and my flock would n't be part of it. This man would not allow me to ask questions or say anything, he was just verbally abusive and threatening. When I XXXX this number, many comments were of this same nature - threatening and horrific attacks against people. I am a professional woman who deals with courts and clients. I have never been treated this way before. I can not believe that this man is allowed to call and say such horrible personal things about me or my family. He even asked if I had gotten a good XXXX present from my son. My son is an adult who is currently XXXX that he committed. I am not responsible for his actions. This man basically told me that I am a rotten mother because of this. He called us losers and vile names with extreme profanity.
Consumer complaint received 2016-07-19
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied for a home mortgage and was denied based on prior short sales on my credit report. It is my understanding that " VA does not recognize a short sale as a derogatory event. If you are able to credit qualify for a VA loan, a short sale would not prevent you from being eligible for VA financing. '' I called the bank before applying and was told that it would not be held against me and that I should apply. I had multiple investment properties that I had to short sell in previous years but the most recent was my primary residence that I had to short sell last year.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (LA)

LRS continues to call me, insult me, and harass me multiple times a day. Not only did I pay the debt on XXXX/XXXX/2016, but XXXX XXXX rescinded the debt after they realized my account was not handled properly. Both XXXX XXXX and myself have repeatedly sent them information sufficient to close the account, yet they are still trying to collect and continue to reinstate the collection on my credit reports every time each bureau removes it due to my filing a complaint with sufficient evidence to remove same.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: WAKEFIELD & ASSOCIATES, INC. (OR)

The calls began a couple of months ago. My son received the first call- a woman asked for me- he asked for her information so he can relay who was calling- She began yelling at him stating to get me on the phone or I would be arrested and sued for an owed debt- the woman was aggressive so my son ended the call. Shortly after I received a call from the same woman ( before I knew my son had just spoken to her ) - She refused to say who she was or what my debt was- she demanded I give her my address and to prove my identity to her- I stated that was not going to happen- she became angry screaming at me so I hung up- my phone rang 3 more times from that number that night & every night since- there is always an auto generated voice mail saying to call wakefield & Associates XXXX for a debt in Colorado- I have never been to Colorado and do not have ANY past debt. The continual calling & harassing & screaming is out of control. Please advise what I need to do to stop this company from this harassment
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX Account XXXX XXXXXXXX, opened XX/XX/XXXX XXXX. {$13000.00}, XXXX XXXX XXXX  XXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}. Late Payment Account XXXX XXXX XXXX Inquiries : 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 2016-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (CA)

XXXX had corporate policy that the patient would never have out of pocket expense they would only bill the insurance company. XXXX submitted a charge to my insurance company the insurance company then requested some records from XXXX to verify coverage but never received them and never paid the claim. ( XXXX is no longer in business ) I was contacted by Monterey Collections XXXX XXXX CA. XXXX XXXX XXXX XXXX claiming I owed them for the service. I replied within 30 days of receiving their notification requesting validation of the debt and other questions. After receiving the request they have not provided the validation and continue to send notices. 
Copies of correspondence available on request
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MD)

XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Specialized Loan Services LLC. Before payments began I spoke to SLS and they agreed, via phone, that I could continue to pay bi-weekly like I had been doing with XXXX XXXX XXXX. They stated that their system was not set up for it but they would do it. The statements sent out were going to be off and show late fees however they said not to worry about it because they would have it corrected in the system. Once in a while they would call to say it was late however when I mentioned the agreement the caller would see it written in the system and have the calls stopped. I set up bill pay with my bank so that the day after my paycheck was deposited a check would be sent out to SLS. I have never missed one payment, and there have been months when they have received an extra payment. From XX/XX/XXXX till about I believe XX/XX/XXXX there were no late charges and I believe ( I have no way of checking ) they were even applying the extra money to the principal. However after doing my XX/XX/XXXX taxes I found that around XX/XX/XXXX they had started to charge late fees and were no longer applying the extra money to the principal. I had also found where they were reporting me late, over 19 times, to the credit report companies. When I tried to dispute it SLS would send a copy of the original agreement I made with the private lender saying I agreed to a single payment once a month, and that they were only a third party attempting to collect a debt. I explained to them that they agreed to the new payments in XX/XX/XXXX and that even though it was verbal they had to honor it. They refuse to correct any of the late charges, or late reportings. The one customer service rep. I talked to said there was no way to really prove there was an agreement. I did tell him that the fact it took them a year and half to start charging late fees, and that I have been paying the same exact way since XX/XX/XXXX should be pretty easy to prove it. He than said well we are only a third party trying to collect a debt which is not true either. The private lender died and his next of kin sold the mortgage to XXXX XXXX XXXX. I have checked and XXXX XXXX XXXX have the account showing as closed out saying they sold it SLS. When I asked for a supervisor he advised there was no way of reaching one and hung up. I have filed complaints with XXXX, as well as with the XXXX in an attempt to clear this up however they will not honor the verbal agreement we made. I will try this one last time to have them correct the issue, however I am looking for a lawyer at present and will take it to court if that is going to be the only way SLS will correct their mistake.
Consumer complaint received 2016-06-24
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (NH)

XXXX, a division of Suntrust Bank, offered low interest rate for used private auto loan. I applied online, specifically choosing auto loan. They contacted me with a few follow-up questions, and soon after denied my loan, referring me to some other company. When I inquired why I was never asked what vehicle I was buying, they told me it was an unsecured loan application. I 'm not disappointed that I was denied. I 'm angry because they misled me and dinged my credit report. I was not looking for an unsecured loan.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torres Credit Services, Inc. (NH)

I contacted the credit reporting agency Torres Credit Service out of XXXX, PA that the only derogatory mark on my credit comes from. It 's a charge of {$140.00} from many years ago and I wanted to pay it off. When I called the company and gave my information they have no records of an account or my owing anything to them. I was going to pay it off to help my credit score but now there 's no way to pay it off if they do n't have any records so I would like to get it removed from my report.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AZ)

I had bundled my account with XXXX for internet and XXXX when I first set up my account with them. My account was bundled without my permission or knowledge. I was not aware of this until I noticed a credit on my account of {$100.00}. I called they said I owed {$180.00} for the new stand alone account for XXXX then it was reduced to {$75.00}. I spoke to a rep XXXX on XXXX/XXXX/2013 who did not know why they split my XXXX off my account so he applied the credit of {$100.00} from my current account to my XXXX bill. Then I started receiving more bills for the account I did not open so I called and spoke to another rep XXXX then the manager XXXX on XXXX/XXXX/2013 who insisted I owed this to them he would not listen to me when I explained that this should have already been cleared up as their error not mine. Since then they have sent me to collections for the {$75.00} that I do not owe. I have been fighting this since 2013. I had it removed from all XXXX credit bureau 's last year but they moved the claim from XXXX to Stellar Recovery Inc. and it 's back on my credit again. I spoke to XXXX at Stellar Recovery Inc. XX/XX/XXXX and explained what happened so she disputed it. Even though they have no history of the account or this charge they will not remove or close the collection or stop sending me to collection for it. I have exhausted all efforts to clear this up only to end with the same result. I do not owe this and would like this to be resolved once and for all. I have all this documented from the time this started to date.