davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The beginning of XXXX a dispute was submitted by XXXX to have collections removed by XXXX XXXX XXXX as the collections do not belong to me. I received an email from XXXX  on XX/XX/XXXX that my XXXXn dispute results were ready. I viewed the report and the three collections were in fact " DELETED '' from my report. Fast forward to XXXX XXXX XXXX, with no notice received from XXXX XXXX XXXX, the accounts have since been added back to my XXXX credit report. There are three separate amounts appearing on my report, XXXX XXXX XXXX- {$280.00}, XXXX XXXX XXXX- {$37.00} and XXXX XXXX XXXX- {$980.00}. I have since reached out to XXXX today, XX/XX/XXXX and was told " yes they were added back to your report ''. Now, I have not received any notice from XXXX XXXX XXXX or XXXX stating that these accounts would be added back to my credit report. This is unacceptable.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I deposited a Business Check written to myself for the amount of {$700.00} on XXXX XXXX XXXX. I received written notice that my deposit would be released on XXXX XXXX XXXX. As Such, the money was released into my account but then removed from my account immediately. Then another letter came and said my deposit would be held until XXXX XXXX XXXX due to the funds possibly not being in the account. I just spoke with the bank that the check was written on, XXXX XXXX, and they confirmed the check cleared their bank on XXXX XXXX XXXX. This hold has caused me to be late on my rent, my cable and my internet payments. Causing over {$100.00} in late fees that I will now have to pay because Bank of America will not release the hold on my account until XXXX XXXX XXXX. 

PLease help me get this resolved as Bank of Ameria will not release the hold. I have tried speaking with them and I wll be calling them back again. 

Thank You XXXX XXXX XXXX XXXX XXXX Client
Consumer complaint received 2017-10-08
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: Experian Information Solutions Inc. (IN)

i have tried talking to XXXX about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with XXXX any more so im here with my complaint..please help.
Consumer complaint received 2017-10-08
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. (IN)

i have tried talking to equifax about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with equifax any more so im here with my complaint..please help.
Consumer complaint received 2017-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar has changed to Mr. Cooper upon its change it stop receiving my automatic payments from XXXX XXXX XXXX. My automatic payments were sent in on time to Mr. Cooper, but they still refused the payments. I called and spoke to someone who became belligerent and short ending our conversation by hanging up in my face. that young man hung up in my face. The 2nd guy said that he couldnt help me but call back again and make two payments and then the company will allow me to pay future payments ... THIS I WILL DO, but I BELIEVE COOPER IS TRYING TO FORCE ME INTO A FORECLOSURE SITUATION WHILE RUINING MY CREDIT ... THIS IS A CASE OF BULLYING THE SMALL CONSUMERS AND HOMEOWNERS AGAIN ... .I was able to get help but they stated that they could not take my payments and they have charge me an additional excess of {$1700.00} in late fees and interest charges ... this happened once before with XXXX XXXX XXXX ... I barely recovered from that onslaught that gave a settlement of {$57.00} to me as consumer but millions to lawyers as I had to chase congressman and lawyers ... I need help ASAP PLEASE
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. (NY)

I have tried to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX
Consumer complaint received 2017-09-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (SC)

I filed complaints and the company refused to talk to you because i had an attorney write a demand letter. 
The company refuses to talk to me because of that attorney letter. I told the company my attorney wants to sue them and i have not paid for that yet so they can talk to me. They have not replied to date. 
The company has received XXXX payments from me. All XX/XX/XXXX dates. 
XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX.
XX/XX/XXXX another payment was placed into a special account until the other XXXX payments are properly credited. 
I have provided them notarized bank statements where it clearly shows the company received my money. 
Why they are not crediting my account is beyond me. At first the company asked for more clear statements. I showed it was their upload system and not my statements that were unclear. 
I emailed them and confirmed they could read them. 
I then had the notarized statements sent to them and the company confirmed they received those. 
The company seems to want to use fraud in their refusal to credit my payments to my account. 
They received my money, their own people admited it, yet their fraud team and investigations team is deficient and wrong, and when i talked to them i proved they were wrong, yet still no payments credited.
Consumer complaint received 2017-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

On XXXX/XXXX/XXXX I made a payment to my XXXX XXXX through my Paypal account. Instead of taking that amount from my bank account, Paypal fraudulently took an additional amount of money from my bank to pay for a debit balance that I had previously accrued because of a disputed transaction on XXXX. I had sold a product on XXXX and the buyer did a chargeback with his credit card. Then Paypal wanted the money back from me and also charged me {$60.00} because of the chargeback fees even though this was created by the buyer, not myself. So, I disputed this amount with Paypal.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: All State Credit Bureau, Inc. (MI)

All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is  already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I made a payment on XXXX XXXX, XXXX to a loan that dispersed on XXXX/XXXX/XXXX. This is within 120 days of the dispersal of the loan. Nelnet applied a portion of my payment to interest on this loan. This happens every semester when I get a bit more than I need on my loan, and I pay back the excess in order to only borrow what we need to borrow. Nelnet consistently tries to cheat us out of some of our money. I have filed 2 previous complaints since I realized that they were doing this, and have been doing it since our first loan was sent to them to be serviced. Every time it happens, I contact them and ask why it has happened, and request that they fix it. They always state that they will fix it, and then they do n't. The last time, they only fixed it once I filed a complaint against them with the CFPB. This time I am being pre-emptive, as I should n't have to follow up with them, after every loan dispersal to make sure that they are doing what is required of them by law. I am attaching a copy of the transcript of my conversation with them today. I do hope that they will follow through, although I will be surprised if they do.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (DC)

VEHICLE LOAN established in XXXX XXXX with ( Wells Fargo Dealer Services ) XXXX, XXXX XXXX, CA XXXX ( an affiliate and/or subsidiary of Wells Fargo Financial System. ) The loan amount ( financed ) {$9800.00} -- XXXX Vehicle. Wells Fargo Dealer Services installment contract with consumer ( XXXX XXXX XXXX ) as of XXXX XXXX, XXXX. 
-- - The loan balance as of XXXX XXXX, XXXX ; per customer services records reflects a loan balance of $ XXXX. A statement dated XXXX XXXX, XXXX -- reflects a loan balance of {$9900.00}. Consumer only verifies at most {$300.00} has been applied to the loan in payments as of this date. 
Wells Fargo Dealer Services is n't transparent with the loan credits, debits, additional charges, assessment fees, late charges and simple interest compounded on a daily basis. 
Numerous times ; consumer has requested a transparent / clear record of hidden fees, late charges and assessments added to this loan. Wells Fargo Dealer Services ; continues to compound ( daily ) accrued simple interest and does n't lower the balance. 
Consumer has remitted to Wells Fargo Dealer Services : @ {$2200.00} in monthly payments, {$400.00} in assessed fees, $ XXXX+ late fees, XX/XX/XXXX ; consumer remitted to Wells Fargo Dealer Services loan payments + fees in the amount of {$910.00} ( single month ). 
Consumer does n't agree with Wells Fargo Dealer Services accounting and/or loan balance figures ; Wells Fargo Dealer Services ; has n't provided a ( detailed history of transactions ) to this date. 
In addition, Wells Fargo Dealer Services, compounds late fees with every transaction ; if missed payment, returned item late and additional fees, re-set to loan date fees, deferment fees, without notification and/or advisement. 
Consumer contends Wells Fargo Dealer Services is being deceptive to this consumer.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

XXXX This is a response by to a letter that was sent to me onXX/XX/XXXXstating if I 'm not satisfied with the response from Ocwen Loan Servicing that was sent to you to reply or you will close the file. After gathering document to show that I was force into a medication from Ocwen after being dismiss from bankruptcy, a class action law suit was file against Ocwen and I receive a letter dateXX/XX/XXXX stating if I did nothing I would be part of the law suit letter enclosed ) I have never anything from the suit, and CFPB was involved in the law suit against Ocwen. Furthermore Ocwen state that I requested a modification and was approve for HAMP modification but there is no indication this HAMP modification is a SILENT SECOND MORTGAGE I would have not requested XXXX added to my loan if they would have stated that it was a second mtg. Guideline to what a silent second mortgage is enclosed. and according to RESPA the mortgage company is suppose to provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. and I 'm still ask Ocwen to clearly show what the XXXX was applied to and what did Ocwen send to IRS interest that was paid by buyer for the time XXXX. Could not enclosed the silent second mortgage will send later.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IA)

The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Dear Sir or Madam : The reason for me writing is to request your assistance in helping with my loan modification ; but am also in the middle of a foreclosure file by Nationstar Mortgage and request transparency to prevent any dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process. 

On XX/XX/2016, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX
Consumer complaint received 2015-11-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

An iPhone 6 was offered on XXXX by XXXX XXXX with an email address of " XXXXXXXXXXXX '' She replied with a different email address of " XXXX '' and stated she was from XXXX, Ohio. When I suggested meeting to see the phone, she said she was in XXXX, XXXX and had the phone with her. She said she would arrange to have the phone sent to me by " Just In Time '' a parcel shipping service in XXXX. I was asked to send {$300.00} by Western Union to " XXXX XXXX XXXX ''. The money was sent on XXXX XXXX and Just In Time promised delivery of the phone to me by XXXX XXXX XXXX. When it was not received, I sent several emails to Just In Time and to XXXX XXXX asking the whereabouts of the phone and they have not responded. This is a SCAM.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX I performed a mobile deposit of a {$500.00} money order into my Wells Fargo account. The money order was XXXX legit and not fraudulent, but for some reason Wells Fargo considered it fake and a few days later issued a return on the {$500.00} money order deposit. I thought that was unusual because, as I said before, I knew the money order was real and I had the receipt the prove it. In fact, after Wells Fargo denied the deposit of the {$500.00} money order, I was forced to deposit it into another checking account at another institution and I faced no issue whatsoever. 

After a few days a bill I tried to pay through my Wells Fargo account was denied. I called in and was told that there was a " hard hold '' on my account because of this {$500.00} money order that Wells Fargo thought was fraudulent. I explained to the rep on the phone that it was real, I had the documentation, and I would like a way to get my account unlocked because I had bills to pay. They were extremely unhelpful and told me the only thing I could do was wait and call back in 48 hours for a resolution. 

Well today marked about 72 hours since that call. I called back and was transferred to Loss Prevention and told the same thing - my check was fraudulent ( even though its not ), my account was on a hold, oh and now it might be closed and I would be barred from banking with Wells Fargo ever again. 

I have been a customer of Wells Fargo for about 20 years. I had an account opened when I was a pre-teen back when it was known as Wachovia. I have several mortgages through Wells Fargo, and I have been a loyal customer. I have NEVER done anything fraudulent with my account, and I am XXXX certain this money order is not fraudulent. To be told that my account is going to be closed over an incorrect assumption on Wells Fargo 's part is infuriating, and terrible service to be quite honest. I am being treated like a criminal and at risk of having this account ( which I a co-signed on with another person ) closed down. This is the account I use to pay my mortgage from! Why on earth would I deposit a fraudulent check? 

I have received no help. For the most part I just want to get in touch with whoever is actually handling this case of mine so I can send them directly the receipt I have to prove this money order is real. I do n't want to sit back and wait and just all of a sudden find out my account is closed, all the while not having access to more than {$5000.00} of MY money. 

I want this resolved now.
Consumer complaint received 2017-10-11
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)

Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XXXX XXXX and dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I made a deposit ( XX/XX/2016 ) and receive no notice of delayed availability. The balance on my account after the deposit reflected {$73.00} and the item that came in was {$73.00}. I thought my deposited funds would be available to cover subsequent payments. The balance alert came through on my account as of XX/XX/2016 reflecting a balance of XXXX. Based on this information, i did n't know there would be a fee since i made the deposit the same day the item is showing on my activity. I am confused, as to how this is done. The payment came through on my account and item was paid and a fee was charged. Why was n't i notified at the time of deposit that something was pending on my account. Had i known by notice by the teller or notice on my receipt that my funds are not available i would have transferred money into my account to cover this item.
Consumer complaint received 2017-09-26
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: CITIBANK, N.A. (WY)

XX/XX/XXXX a transaction was made for services which were either not provided or provided deceptively. A/C was not working and XXXX XXXX informed me they found the leak causing my problem and a bad capacitor. I paid for the service and a maintenance program offered by XXXX XXXX. The very next day the same problems with A/C and they come out again and supposedly fix. Goes out the very next day again, I call another company and they look at my unit. Turns out there was a fairly large and obvious pin hole in the Evaporator Coil inside the home and the old capacitor was not even bad, but I needed to replace the system due to the evap coil being bad and I had an R22 compressor unit that needed to be switched to 410a refrigerant with an evap coil change at about {$3000.00} which I had done. XXXX XXXX did not look inside the home at the evaporator coil nor provide services signed up for under a 12 month maintenance contract. When I called to inquire about the issues I was told they no longer provide HVAC services and all my concerns would be sent to the President of the company XXXX XXXX. This particular conversation has been included. 

I never receive a call back from XXXX XXXX but he finally responds back via email where he states my money will be refunded.He does not refund the money and I forward the emails to CITI BEST BUY to prove the promised refund by the president of the company and in a 2nd letter dated XX/XX/XXXX they state I did not provide a full response to their request and sided against me in the dispute. The attached email chain shows that CITI was provided with more then enough information to refund the {$610.00} and side on my favor.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I made a phone payment and they sent me a bill for a higher amount stating it was past due. This is so wrong it 's unbelievable! They are extorting fees on me again! I can not do business or trust this company!