davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CL Holdings LLC (CA)

Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a " free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales.
Consumer complaint received 2015-04-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Trust Cash, LLC (GA)

I had taken out a pay day loan with this lender for {$300.00} plus {$90.00} for interest. I have been paying on this loan since XXXX. I was contacted by XXXX doc, who has been working as my mediator to collect a lower payment. Meanwhile, this lender has contacted me at work and threatened to contact my payroll department and threatened to have me arrested. They continue to call my cell phone number and send me threatening emails.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC (OH)

I 'm building a new home XXXX. We have had little issues here and there since day one. A major issue we are having is with the lending company that XXXX uses. There has been several discrepancies to the point where we decide to seek out our own lender to get a better rate. When we spoke with the seller at XXXX he said if we did n't use their title company they would n't pay our closing costs as promised, so we agreed to use the title company along with our chosen lender. We are now days away from closing and they are backing out of their agreement.
Consumer complaint received 2015-08-24
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (VA)

XXXX Receivables Management Service called XXXX XXXX on XXXX/XXXX/14 at XXXX est. looking for the employee who he alleged owed a medical debt. As he started reading off his scripted I stopped him and told him not to call this place of business again. XXXX called again at XXXX XXXX trying to talk above me when I told him he was now in violation of FDCPA 805 ( 3 ) Communication in connection with deb collector and FDCPA 806 ( 5 ) Harassment. 
I would like to request that the maximum legal proceedings against Receivables Management Service be handed down.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-12-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As part of our regular monthly payment, we have included additional money towards principal pay down. From XXXX to XXXX, besides our normal monthly payment, we have sent {$150.00} specified towards additional principal. However, in the Bank of America statement, the {$150.00} does n't get applied toward principal, instead it gets categorized under " unapplied funds '', then used to reduce our monthly payment. If this is the case, then Bank of America is not applying the {$150.00} towards our principal pay down. We are not aware of any loan terms that say we ca n't make payments towards principal pay down.
Consumer complaint received 2015-09-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I paid my Bank Of America Mortgage XXXX XXXX, they received the payment in XXXX. 
I used Certified mail and KNEW when received the payment. The check cleared mybank on XXXX XXXX, 2015. I received My Mortgage Statement for XXXX, saying my XXXX payment was not received. Although the check had cleared XXXX XXXX andI was late and had a {$35.00} late fee due. I just received a letter telling me my mortgage was TWO MONTHS late and I may be facing forclosure. My payment was received XXXX XXXX by Certified mail. 
I want a full investigation done and a Equity Analysis ... .all late fees dropped and if anything is negative on my CREDIT report I want it cleared ASAP..I also want to know WHO HOLDS THE NOTE to my Mortgage ... I want to know who OWNS this loan.
Consumer complaint received 2016-07-28
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

around late XXXX early XXXX of 2016 I XXXX XXXX attempted to obtain a pre-approval letter from wellsfargo home mortgage/bank in XXXX Georgia through a mr. XXXX XXXX XXXX the mortgage rep. at XXXX XXXX XXXX to begin the purchase process of a house that my wife and I had located in XXXX ga. XXXX XXXX XXXX XXXX. XXXX..since I could not produce the approval letter in a timely manner the seller chose to put someone else in the front of the purchase line, but said that we could still make a back up offer in case all others fell through ... XXXX had me to bring multiple documents on various occasions to help in hopes of getting pre approved among those was a {$410.00} postal money order, that was clearly marked as for appraisal fee money only. for which I was told would be required as part of receiving the approval letter from wellsfargo. after one day of submitting all requested documents, XXXX XXXX told my wife an I that we were denied the approval amount needed for the purchase of the house ; I then said no problem and requested any and all documents be returned to me, but was told that the money order was already deposited and that it would take XXXX7 days to get it back, after 10 days, I called XXXX back to inform him that I had n't received my money back, he then told me that it was suppose to take 30 days. it is now going on two months and I still have not received my money back. I have made several called complaints to wellsfargo with no results, I was told by the last wellsfargo home mortgage complaint rep. the it was in the mail minus {$11.00} supposedly for a credit check which I was never informed of or made aware of as the money order was specifically for an appraisal fee in the event i got approved to purchase the house. as of to date i have still not received my noney back and it 's going on two months. as a XXXX Veteran of the United States XXXX i find their treatment very disrespectful and harmful to XXXX. if possible any further information needed i would be happy to provide. wellsfargo in my opinion has committed bank fraud.
Consumer complaint received 2015-11-03
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CO)

I have been working on selling our home of 30 years since XXXX 2015, Unfortunately as everything I own seems to be worth less than what I owe. I am resorting to a short sale and even asked if we could do a deed in lieu of they said NO!!! we have the property listed with a very reputable realtor. we have submitted every document on the list ( even several times ) for the same doc. 
We have been waiting weeks for any kind of answer. When I call they say they dont need anything else but still will not move forward. This week we were notified that it was going to another new processor. Just to go on the bottom of someone else 's pile of to do stuff. Out of everybody My family and I have worked very hard to keep this home even thru hard times but we always pulled it out. We are the only ones loseing here. My idea was to sale this home later for our retirement next egg but they tell me the home needs to moany upgrades with nothing wrong with it?? go Figure, Please Please if you have anything that can help speed up the process that would be great!!!!! Thank You for your time. 
XXXX XXXX
Consumer complaint received 2017-03-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

On XX/XX/2017 i noticed an unauthorized payment on my account with my card and i filed a claim. ( XXXX ) On XX/XX/2017 i received an email from PayPal in which there was written that they completed the investigation and that i would be completely refunded. The refund would be sent in XXXX step : 1 adding the funds to my balance XXXX moving them to my credit card Today on XX/XX/2017 that money are still on my balance, PayPal forgot to move them to my credit card. 
PayPal User Agreement tell that every refund must be accredited to the same payment method of the original transaction. 
After 1 month i still have n't the money on my card.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (MD)

PayPal closed my accounts and refused to reverse XXXX unauthorized transactions. My mom used my XXXX account to pay for her bill with XXXX but forgot to add her own debit card. This resulted in XXXX unauthorized transactions in the total of $ XXXX. I talked to XXXX and they 're ok to have my bank pull the funds back or they can issue me the check but it wo n't cover service fees from XXXX and suggested that I talk to my bank. I did and they said according to the user agreement that I signed when I opened the accounts. I agreed that I will not share any information with anyone. And their definition of 'Unauthorized Transaction ' states clearly that transaction that the user did n't get the benefit from will be count as an unauthorized transaction. I filed a complaint with XXXX but they could n't do anything. 

Other info : XXXX Acc # XXXX [ obtained from XXXX ] Transaction # [ obtained from XXXX ] 1. XXXX XXXX/XXXX/2016 {$1200.00} 2. XXXX XXXX/XXXX/2016 {$1500.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-09-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

This is my XXXX complaint against Wells Fargo. Wells Fargo was dual tracking our mortgage they have sold my home back to the bank at auction after never considering us for hamp or harp or a partial fha claim. They also do not have a clear title in which to foreclose on. The title is clouded since a previous refinance with Wells Fargo. The also claim that XXXX Is the title holder and benificeiary when that has been determined to be invalid by the courts. We made many trial payments expecting a modification and as soon as the trial payments were up they restarted the foreclosure process. The note is in blank and supposedly transferred from the original lender to Wells Fargo in 2006 but there is no dates on the endorsement and the women who signed as the officer for the original mortgage company was never an employee of them but a employee of wells fargo making the endorsement done at the time needed for foreclosure. These process are detailed in there foreclosure manual that I have a copy off as how to make the endorsement valid for foreclosure. I have a signed document from Wells Fargo with the name XXXX in it which is fraud. XXXX is imprisoned for commuting fraud on mortgages satisfactions and notes. If this document is fraudulent then everything there after is invalid.
Consumer complaint received 2024-08-17
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NY)

PayPal permanently limited my account with my hard earned money in it and told me they 'll release it after 180 days and kept my credit cards and bank checking information on file. Basically, at first, my account was temporarily limited citing " security reason '' - basically telling me to go kick rocks and starve. Till this day, i do n't understand where the " security reasons '' statement came from because all i did was sell a couple of items on eBay. Apparently PayPal plays this dangerous game with everyone because they 're basically the only way customers and sellers can make and receive payment via eBay. They 've been on a royal power trip for years and this really needs to stop. Now to continue with more background information on my compliant ... They temporarily limited my account and asked me to submit my social security card, my drivers license, my bank statements, credit card statements, invoice of purchase for items that were sold and valid tracking information for all my sales. Even though these demands were pretty steep for an entity that has no governmental affiliations and does n't consider themselves a " bank '', i complied in hopes that everything will be resolved and i 'll get my money back but i was wrong. They instead decided to lock up in their account and keep my money. The same money their probably profiting from right now by locking me from accessing it in their system. Anyway, i sent them the information via the " resolutions '' page and informed them that they 've already confirmed my credit card and bank account through their electronic process which had me log into my bank account and receive security deposits on my credit card. I sent them everything and informed them that one of the transactions they say requires tracking was just a payment from " XXXX '' - a company that pays you for shopping online. I received a response to proceed and that particular part was removed. I had faith the process was just to determine that i 've not trying to defraud customers. I sent them more information via email to " XXXX '' and via the resolutions page. All of sudden, i got an email saying my account has now been permanently limited and they claimed that my sister 's account ( which they also closed for some ridiculous reason ) is related to mine. I simply told them to look at the official documents i sent to them ( drivers license and social security card ) but instead of doing that, they locked my business funds in their nidicolous disaster of a sinkhole and refused to give me my money. Please get them to give me my money and keep their ridiculous site and their incompetent employees. My PayPal email address is XXXXXXXXXXXX
Consumer complaint received 2016-07-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX I have a home mortgage with Wells Fargo Mortgage. I can no longer afford to live in my home, because the mortgage in on a adjustable loan for years I will call Wells Fargo to try to get help putting my loan on a fix rate, they always take down my information, we will go through a long process, and the answer always come back as no they ca n't help me at this time. Even when I go in the bank to make my payments the banker always say you need to get a better loan this is highway robbery, you should go across the hall and speak to someone about getting a better loan, will do so the answer will come back, no they ca n't help me at this time. I also apply for making home affordable at different times, and the out come is always the same. I bought my home in 2004 it was on a fix rate, I had a realtor to approach me about changing my loan for 6 months I was not aware what adjustable loan mean. I have not been able to get on a fix rate since that. The home was purchase around XXXX, I could only make minimum payments and now the balance is around XXXX, the payments is so high, I ca n't afford to continue, the payments go up every year. I have 4 more years before I retire, and now I am looking for a place to rent. My only option is to short sale my house, because I ca n't get any help to put me on a fix rate. The house is now in the process to short sale. Could someone Please help me get to stay in my home. I have work so hard all my life, I have 34 years XXXX, and this is how it 's going to end. I fell like I ca n't help myself. Could someone please look in to this matter, and help me save my home.
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (TX)

I made a fair and totally compensation offer to the original debtor They choose to turn over to collection. I have documentation and an credit card authorization they choose not to charge. It seems like a XXXX business decision to me. I agreed to pay the FULL amount. I WILL NOT deal with this collection agency -- -period. I do not believe they have the whole story or documentation. I want to cease and decease calling me.
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (DC)

This is more information about an earlier complaint. Wells Fargo put a hold on a {$2000.00} payment without telling me it planned to do that. To release the hold, Wells Fargo aid I should send in a copy of the check with contact information for someone at XXXX XXXX in order to lift the hold. I did so and XXXX day later was told that was not enough. Then I went back to XXXX XXXX, which printed out a statement, faxed the statement to Wells Fargo, and provided contact information for a XXXX XXXX banker. Tonight, a Friday, Wells Fargo said there was another mistake -- Wells Fargo said they had accidentally provided me with the wrong fax number for the statement and now could not release the hold because the office associated with the correct number would be closed until Monday. The problem is that I need the money to cover medical expenses and now I do not have access to that money.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (TX)

I C Systems never sent a dispute letter. I check my my daily and I am a very organized consumer. I also check my XXXX account at least once a week. I hve never done business with IC Systems, nor have they followed the law and sent a dispute 30 day notice.. They just appeared on my credit report with out following the FCRA. They have an open date of XX/XX/2016. Have them explain what this date means? I have never done business with this company so I have no idea what happened on XX/XX/2016.
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC (TX)

I applied for a VA home loan with XXXX XXXX back in XXXX and the loan fell through while in underwriting. I lost over {$1200.00} due to having to pay for the VA appraisal and XXXX different inspections on the home. I then applied for another VA home loan with XXXX XXXX in XX/XX/XXXX. I informed my loan officer who was XXXX XXXX of the my previous loan that had fallen through while in underwriting. I informed her I did not want the same thing to happen this time around. I told her the reason my loan had been denied ( residual income being too low due to number of dependents XXXX and she assured me this would not happen. I submitted my documents and she reviewed my credit and income as well as my tax statements. She then told me the loan would be approved and said that my residual income was sufficient because they were able to use more of my income than the previous mortgage company. I again informed her I was very hesitant to spend money on inspections because I wanted to be sure the loan would go through this time. XXXX again re-assured me several times telling me to go ahead and get the inspections going because she would send my loan to underwriting to get approval. She further stated the loan was a sure thing. After 3 weeks XXXX informed me that my residual income was too low and the loan was not going to be approved. I was very upset and asked her why she misled me and she stated she was sorry. I ended up spending {$410.00} on 2 inspections and the option fee. I feel like I was baited into taking this loan and feel like I was lied to. This is the 2nd time this has happened to me. Is there anyone holding these mortgage banks accountable? I asked XXXX XXXX for a refund which they scoffed at. I would like to file a complaint because I was misled only so they could get my business.
Consumer complaint received 2016-08-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MN)

Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.