davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

On XXXX XXXX, 2015, I used my MoneyGram account to send monies to my family member who is in XXXX for {$170.00} and a friend who live in XXXX, Florida for {$100.00}. 

Both transaction was blocked and I did not found out until my friend in Florida told me the MoneyGram said I had to call them, so I did and they ask me for all of my personal information plus for my birthday, I ask why, and was told my the telephone representative that my friend name was on a government list. 

Then this morning XXXX XXXX, 2015, my son call inquiring about his monthly fund that he has not received yet. So again, I immediately call MoneyGram and spoke with XXXX, XXXX, XXXX, and XXXX they all said that my name was being block by the government, and any action of money transferred by money was under review and that I must provide my birthday and driver license for the transfer to go through. 

I question them as to what government agency ask them to do this, please supply me with name and phone number they said they were not authorize to do so but if I wanted the transfer to go through then I must give them my personal information, I told this on XXXX/XXXX/2015 by XXXX ( this was the last person that I talk too ) I told her I was not given out any more of my personal information, nothing but : my name, address, phone and their transaction refer number for {$170.00} or for her to gave me a refund for {$170.00}. 

After a few more minute of her explaining to me why she need my birthday and driver license and me refusing to do so, she decided that she will go ahead this time and release my money to my son. 

I need to know what government agency have flag my name, my family, and my associate name and for what reasons and is this legal for MoneyGram hold back a person domestic money transfer and/or have the person call and their representative ask for the consumers for their personal information in this day a time especially with identity thief as high as it is? 

Please help me find out why occurring to MoneyGram the government have flag my name and my family and friends name, if I am under surveillance by my government, why am I? 

Thank youXXXX XXXX ( Anytime : day or night ) XXXXXXXXXXXX
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment. 

I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause. 

Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years. 

Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.
Consumer complaint received 2016-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I have a problem getting statements mailed because Wells Fargo wants everyone to subscribe to online. When I am out of town I change delivery preferences to online to pickup the statement to make sure my balance is correct. That change is immediate because Wells Fargo will not allow viewing the statement with the preference of US Mail. When I change it back to US Mail I do not receive statements because Wells Fargo says there is a 30 day delay with that change. This is a man made delay because that 30 day delay is a recent problem because this did not start happening until sometime last year. They are happy to mail a statement with a fee of {$5.00} that they will waive if I call and complain.
Consumer complaint received 2017-10-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I 've personally written numerous letters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) to the each individual company and all three Credit bureaus, to have these account removed from my credit report. These account do not belong to me and are greatly affecting my credit score. Which is also damaging my quality of life.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

I have very good credit and a {$17000.00} line of credit on a Fidelity XXXX XXXX. Due to prior problems with Fidelity XXXX, I stopped using the card opting for a different credit card. I have a XXXX balance due to a credit three weeks ago. Prior to the credit, I had scheduled one final {$120.00} payment. On XXXX XXXX, Fidelity, knowing I have a XXXX balance, applied the {$120.00} payment creating a XXXX balance. I called and asked Fidelity to refund the {$120.00} immediately. Fidelity told me it takes 17 days to reverse my {$120.00} negative balance which I find fraudulent unless I get interest on my {$120.00}. I desire for Fidelity to immediately reverse the {$120.00} payment of pay me interest for 17 days of unlawfully holding my money.
Consumer complaint received 2017-10-11
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 (TX)

I need your help in order to get in touch with my bank and try to solve my problem. I would like my Wells Fargo Business Card to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$1000.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

Navient has increased my student loan payments astronomically. The agency has saddled me with my children 's federal loans, which is hurting me emotionally. I informed their staff that I am also paying for my children 's private loans but to no avail. They rushed me into a payment plan I ca n't afford. I asked them to enroll me for PSLP for public employees, but they informed me I do not qualify. Please help me because I 'm drowning in student loan debt with Navient. 
Thanks.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our complaint is against Nationstar : Nationstar has notified us that starting on XXXX/XXXX/XXXX our interest rate will go up to 5 % despite the fact that our Loan Modification Agreement clearly showed the the cap was 4.75 %. 

We have written to Nationstar a couple of times about this however they insist on the 5 % while at the same time they are sending us refinancing notices with interest rates staring at 3.5 %! 

The history of our Loan is as follows : On XXXX/XXXX/XXXX we bought a home in XXXX XXXX NV XXXX our initial mortgage was with XXXXXXXX XXXX who shortly after closing sold it to XXXX XXXX XXXX XXXX XXXX loan maturing in XXXX. 

We were making our mortgage payments regularly never missing a date until XXXX of XXXX when our income dropped drastically and we were forced to ask for a Loan Modification. 

We submitted the necessary application and on XXXX XXXX, XXXX we signed the loan modification agreement that reduced the monthly payments, by substantially increasing the new amount due and extending the maturity of the loan to XXXX! Part of the new agreement was the our interest rate would increase from the initial 2 % to a maximum of 4.75 % by XXXX/XXXX/XXXX. 

We have since paying our loan regularly never missing a payment, in fact we have been making extra payments towards Principal managing to substantially reduce the balance of our mortgage. 

Sometime in XXXX of XXXX XXXX sold our mortgage to XXXX and we were asked to refile our HARP application which we did. 

Sometime at the end of XXXX XXXX sold our mortgage to Nationstar and we have been making our payments to them never missing a payment and continuing making extra payments towards Principal managing to substantially reduce the balance of our mortgage. 

We have not proceeded with the refinance because of the excessive closing costs.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (WA)

As of XX/XX/XXXX my wife and I had prepaid her Wells Fargo student loan to a point where our next payment due was listed as XX/XX/XXXX. For two years we continued to receive statements showing our principal balance in the amount of XXXX. What was not disclosed anywhere on the statement was the interest which was accumulating on our balance. Last month we paid off the statement balance of XXXX. When I logged on to the account to verify that the payment had been applied I was somewhat surprised to see a {$2100.00} balance representing the interest which had been accumulating over the past 2 years. It is common sense that lenders should be required to clearly depict the full balance of the account on the monthly account statement. Not representing the exact status of an account is clearly a deceptive and predatory practice. Please require lenders to be upfront and honest with their customers. Had I been clearly informed as to the status of accumulating interest I would have taken steps to pay down accumulating interest charges.
Consumer complaint received 2017-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the court which has been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (GA)

We discharged A Mortgage in a Bankruptcy in 2007 with PHH Mortgage in 2007. We never reaffirmed the Mortgage. The Mortgage company has placed an adverse action after 5 years later on my credit when they proceeded on a short sale to dispose of the property.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I had a XXXX XXXX in XXXX and deemed XXXX in XX/XX/XXXXas a result of XXXX and XXXX. In XXXX of XXXX my then wife arranged to re-finance our home as we were falling behind financially due to my XXXX, she was given a loan in the amount of {$280000.00}. for a home valued at {$250000.00}. It was not until XXXX that I became aware of the re-finance which resulted in our divorce. 
The problem I have it that my wife was not working and had not worked prior to this re-finance and had no viable of repaying the loan, the home is currently in the process of foreclosure.
Consumer complaint received 2017-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Violation of the contract per the HUD XXXX statement was noted on XXXX/XXXX/XXXX with a incorrect interest rate adjustment being imposed via XXXX mail. XXXX ( employee # XXXX XXXX in Special XXXX Department assured us it was corrected from 2.625 % to 3.25 % XXXX the correct interest rate adjustment ) and did not know why someone was going into our account at this point of the year and adjusting our rate incorrectly. Today XXXX/XXXX/XXXX XXXX employee # XXXX in a recorded conversation by me was not able to explain why the interest rate was adjusted again and why XXXX payment due was calculated wrong again. There is gross mishandling of accounts and poor customer relations ( ie calls dropped or transferred.
Consumer complaint received 2017-11-01
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: Navient Solutions, LLC. (GA)

I have being paying a 3rd party company that is associated with Navient. They have a total of 5 payments from me. I have talked to the main company Navient ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from Navient. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. Navient is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to Navient and the 3rd party company associated with Navient and I am having a hard time to rectify this problem.
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I recently had a payment for a bill come out of my Wells Fargo account around XXXX/XXXX/XXXX. I had meant for it to come out of another account. I am on a very limited income but I accepted that it was my fault. The account was overdrawn by approximately {$200.00} and an overdraft fee was assessed. I was making {$20.00} payments on it when I got paid every two weeks as this is all I could afford. While making payments, I received numerous calls from the collections department. I answered and spoke with a guy who tried to get me to commit to a larger payment than I could afford and on an exact date. I told him that I would pay what I could, when I could. I continued making my {$20.00} payments every two weeks, give or take a few days. About three days after the fourth payment, on XXXX/XXXX/XXXX, they closed my checking account despite the fact that I was clearly making regular payments and would have it paid off soon. Now it will reflect poorly on me in XXXX or whatever reporting agency Wells Fargo uses. I paid what I could as soon as I could and not sure what else I could have done when they closed my account.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I am a TD Bank costumer and I recently had my account sabotaged by Cyber hacking if you want to call it that. I experienced someone using my banking information and identity to attempt three transactions in efforts to get sums of money from my account. When I discovered this called XXXX XXXX the source that notified me via email for verification. Spoke to XXXX operator # XXXX, who informed me of the attempt and what I needed to do .My TD bank on the other hand, approved the transaction for XXXX their third attempt but declined payment for the first two. However I do business on the Applications for XXXX XXXX and also for TD Bank. Who is responsible for my breach of personal information. I authenticate myself with my fingerprint, felt I was safe. I called TD bank immediately. I spoke to XXXX at around XXXX  XX/XX/XXXX17, inquired about transactions. To my surprise my card was still open. TD bank did n't feel there was a threat and I was at risk this whole time after the incident until I called in to the bank and advised I did n't make those transactions. I requested to speak to a Supervisor and was put on hold for extended long periods of time. Calling again and again for the remainder of that day Monday into Tuesday. I called again the next morning requested to speak to some in the fraud department. Spoke to a woman who told me the best thing I could do is get a new card. Question " what about the information someone has out there of me, whose helping to stop these crimes against us. I was then told to get a Lawyer. I then went to the bank to get a new card hoping to get some answers I was then told the computer system did n't pick it up as Fraud because I use XXXX XXXX But no one verified my memo on my account, and my card was still open. It seems I could n't be too careful making calls to notify my Bank the amounts sending monthly XXXX  to mother to pay Health insurance. I feel not taken seriously as a honest consumer and tax payer. TD Bank did not protect me I was unable to talk to a live person on Sunday XX/XX/XXXX/17 after XXXX. I want other people to know th applications are not safe. these phishing people go through them even XXXX XXXX accounts. I have done research on my own and I cant believe no one shared the heightened XXXX XXXX XXXX of XXXX 2017 over 676,000 reports in New Jersey alone. And I 'm treated like noting happened because I 'm not out of the money. The police even told me we do n't usually do anything. But XXXX XXXX gave me a number for the police to call to get further information from their fraud division and the officer refused to take, dais " we do n't do that they usually call us '' I need help and to know what to do moving forward.
Sincerely XXXX XXXX
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Tried reaching out to Equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to get this resolved. Tried disputing by phone and online without any success even after letting them know that these inquiries were fraudulent. I let them know that I was concerned after the equifax es breach and I had open a identity theft account to protect myself but they refused to help me.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (DC)

I took advantage of a 15 month 0 % balance transfer offer on my Wells Fargo Visa credit card XX/XX/2016, since then the balance on my card is split between the 0 % APR and the regular 22.24 % APR. Prior to accepting the balance transfer, I inquired about how payments will be applied to the credit card account, with the goal of paying off the balance with the higher interest rate as soon as possible. All representatives from Wells Fargo credit card phone customer center have informed me that payments above the monthly minimum payment will be applied to the higher balance first. That held true for payments made through XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX, as I got close to paying off the balance at the higher interest rate, more and more of my payments were diverted to the balance at 0 %. Over {$750.00} of payments have been applied to the higher interest rate and there 's still a balance that is assessed interest every month.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX