davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

This compliant is against Beneficial Finance aka Household finance. 
This loan started in 1994, the loan amount was {$15000.00}. When the final payment was done, this loan cost over {$57000.00}. My C P A ' s report stated because of the companies over charges and late penalties this loan should been paid in full by at lease 10 years ago. When one mailed in a payment 90 % of the time they would not post it until they could charge a late fee, which they did over and over again. If you paid in person and received a receipt, no late charges. Also they breached there on contract by charging the improper interest rate. These are blatant, deliberate, and intentional actions breaching there fiduciary obligations as well as per R C W 31.04. XXXX. State. 
What is hard to understand why there is no government agency that has any regulatory responsibility to handle these egregious misuse, ( stealing ) of there bad faith. One can not even get a little, if any help from the State, or the Feds. The only help is to sue these financial companies. There are XXXX entities here with responsibilities, Poor enforcement of the consumer protection laws by the State of XXXX, and no help from the feds, there are laws on the books, I do not understand why the Government will not enforce them? The XXXX the loan company, it is very obvious these companies will not follow the government regulations with out direct enforcement. This Company Beneficial, Household Finance of XXXX XXXX are so unprofessional, they will not even return phone calls, return letters, ( they wont give you there E/Mail ) they will not even talk or give the balance of the loan even to my Title company. 
Sue them in small claims court be cause your attorney will not take the action because there is to much work for the amount of money, when you get to small claims, the attorney representing the defendant just has judge move the case to civil or superior court. If you are not and attorney you can not represent your self in those courts.So you are screwed. I seriously find a flaw in the government. When if u steal a candy bar one can get time to serve, but a company can steal thousands from the poor consumer and not be held responsible. We need some real help.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I am trying to dispute the following charge backs for over 4hours today on PAYPALS your site for charges unauthorized and made as listed below on XX/XX/, were refunded when disputed originally and now charged back by XXXX on Paypal again without reason or investigation results. On Paypal you are instructed to go to their resolution center which I have now for hours without being able to locate these charge backs by Invoice # or dates, then the site does not allow you to see the month when you try and put in the dates and you are not able to send Paypal a message for help.The Charges in question that were originally disputed, refunded then recharged through XXXX XXXX XXXX I am assuming related to Paypal are as follows : the InID # XXXX for XX/XX/XXXX and XXXX are XXXX ( XXXX {$180.00} ), XXXX XXXX {$380.00}, XXXX ( XX/XX/22 - {$420.00} ) & XXXX ( XX/XX/22 {$630.00} ). PAYPAL Mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ALL UNAUTHORIZED CHARGES, Your system does not allow me to find each and dispute seperately ... .ALL CHARGES WERE REFUNDED THEN CHARGED BACK BY XXXX- THEY WERE IDENTITY THEFT and I have a case with FTC and Criminal Police Report XXXX. Kindly provide refunds and any information in writing, your site does not provide accesss to file independently. Actually your site can not even find these case #, 's. signed, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. Another NOTE THERE IS NO ONE THAT CAN HELP YOU WHEN YOU ASK FOR HELP ON THE SITE AND PAYPALS CUSTOMER SERVICE NUMBER HAS NO INDIVIDUAL THAT ANSWERS TO ASSIST EITHER PAYPAL XXXX. It is insane the level of frustration to try and contact PAYPAL To resolve anything. Need assistance.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

From the very first time the collection agency IQ Data International contacted my, they were very rude when talking to me. They talk down to me, constantly tell me " It 's not our fault that you did n't pay your rent, learn to pay your bills '', and say other demeaning things. They eventually stopped making contact after I continuously hung up on them when I realized who was calling and eventually stopped answering the calls. However, in an effort to clean up my credit, I have reached out to IQ Data this year in order to set up some type of payment arrangement and I was told " this is not customer service and I do n't have to be nice to you '', they never let me complete a sentence, they talk over you constantly. When I finally got them to offer something, they told me I had to pay {$800.00} and then the rest would come out of my taxes. After telling them that I ca n't afford that because I only make $ XXXX/year, I was told that 's not their problem and I need to call back when I have some money to pay. They stated that they will not work with me on making affordable payments. I do n't understand how I am supposed to pay this debt with such rude people handling the debt. Please help me!
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (AZ)

Citi bank has caused me a great deal off wasted time and money. I have attempted in good faith to make multiple payments to Citi with my credit union checking accounts. In times past ( XXXX ) the account information worked perfectly fine. Recently, when attempting to make payments my payments were returned. I use the exact same payment information for every credit card payment that i make with all financial institutions ( XXXX, XXXX, XXXX ) and these other financial institutions have no problem making my payment with these checking account numbers. Because of issues with citis payment processing i have been charged fees ( returned check fees ) which are undue because the issue was not with me but with Citi 's payment processing system. I contacted my bank who advised that paying with the account information that i provided is the correct way and would be processed by the banks. I have attempted to correct the problem with a customer service representative in XXXX. They had me use the account number at the bottom of my check book which they were n't able to process. I can prove there was money in the accounts at the time every payment was attempted as well as show proof that other financial institutions have, and continue to accept payments from the checking account information that i have used in times past. I personally believe that there was a technology change, programming change, or code change that occurred at citi with their payment processing systems which has caused payments like mine to be returned now when they were accepted prior. I was never informed that there was a system change which would require me to change the way I made payments with Citi. I believe this is a broader issue impacting other customers as well so someone needs to speak with the head of payments processing/technology and research what changed and why it changed. I am a compliance manager for a competing bank within their small business credit card division and fully understand how small program or system changes can impact a customer segment.
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.
Consumer complaint received 2016-11-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: United Collection Bureau, Inc. (TX)

A third party debt collections agency called UCB not on contacted my employer but a family member as well. Judging from what I have researched this is n't technically illegal but contacting an employer could potentially cause me harm at my place of business and contacting family members is a shady way of doing business.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I had some medical service performed several months ago. I see on my insurer 's web site that the insurance company has paid their portion of the bill. I have been waiting for a bill enumerating the service performed and what I owe. Instead I have received a notice from a collection agency that my payment is overdue. When attempting to call the collection agency to explain, they do not answer the telephone. This collection agency is Transworld Systems located in XXXX, PA.
Consumer complaint received 2016-11-26
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

Over the XXXX holiday, American Express made duplicate charges to my card. When I tried to call the customer service number, the number was not active. I tried to file a complaint with American Express and they kept transferring me to the nonworking customer service number. I explained the number was not working, but customer service reps continued to transfer me to the working. The duplicate charges were not addressed in a timely fashion. I had no money.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (MD)

I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home?
Consumer complaint received 2016-11-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

In early XXXX ( when I was preparing to purchase a home ) I discovered there was a XXXX Bank Credit card reporting to my credit as delinquent. I 've never had a XXXX Bank Credit Card. I hired an advocate to help me to dispute the account on my credit as fraudulent. They showed the account was opened in XXXX, citing an old address in XXXX, XXXX, as the location the applicant had used to apply for the XXXX credit card. In XXXX, I resided in XXXX ( I was XXXX, XXXX, and have papers to support this ) so I used an address in XXXX for all services. My advocate challenged XXXX Bank to provide us proof in the form of the original application with a signature on it. XXXX Bank did not respond until XX/XX/XXXX ( dispute was filed in XX/XX/XXXX, so more than 90 days had elapsed ) to tell me that they 've assigned the account to Midland Funding Collection Agency. They 've still not provided me with proof that the debt is mine. All three credit bureaus now show Midland funding attempting to collect for the credit one account as well. I 've informed Midland funding that I feel the original credit card they 're trying to collect on is fraudulent, but they have not responded other than to send me collection letters trying to get me to pay on the account. Credit bureaus have been no help - they merely notate the accounts as " in dispute '' and claim it was resolved, but it was not. I still have n't received a signed application.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

My mother passed away XXXX XXXX, 2016 with a checking account with my XXXX brothers and myself as owners of the account. They have the account frozen and want release funds. they keep agreeing we own the account but gave me instructions to show them a affidavit of heirship which we did. Still want release and now say they want a probate. This not necessary as we are owners of account. I have had my mother 's attorney prepare affidavit at a cost of XXXX which they will not accept. I want the account released to us and refund of this extra legal cost. In texas I know this account should not go through probate. Will was attached to affidavit. They let many checks go through then froze account with no notice and I had sent my mother 's IRS tax payment for XXXX and was returned and now may owe XXXX penalty. They also stopped drafts for electric bills.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

I hired XXXX ( XXXX ) to handle short sale negotiations with Atlantic Bay Mortgage ( XXXX is their Credit Dept. ) on a drowning investment property I own. I also hired XXXX, Realtor of XXXX as the listing agent. A fair offer was received in XX/XX/2016. To date, XXXXAtlantic Bay Mortgage has FAILED to order an appraisal of the property though asked repeatedly by both Realtor & XXXX causing the prospective buyer 's offer to expire on 3 different occasions. The buyer is no longer willing to negotiate! Atlantic Bay and XXXX has failed to do their due diligence and follow through with the required appraisal! They are forcing this property into a foreclosure status and further damaging my credit due to their failure to do their jobs! Please help!
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX XXXX, 2016 in the morning i contacted my navy federal credit union and asked them to realease my direct deposit early in my checking account ending in XXXX, she did just that i also asked her to transfer money into my finance account the amount of {$100.00} and my other checking account was in the negitative of {$13.00} i made that positive i than asked her to give me the balance and than transfer the money into my account ending in XXXX she did n't do that so i begin to swipe my card the next day on XXXX/XXXX/2016 and now i am in the negative of {$67.00}. i spoke to a manager name XXXX on XXXX XXXX, 2016 and he credit both of my accounts {$20.00} and said i only owe {$180.00} in the XXXX account i put the money in that account on XXXX/XXXX/2016 i put {$200.00} in that account and that 's when i got the balance of {$47.00} that i owe based on the transations, i spoke to XXXX the supervisor on XX/XX/2016 and he did n't look forward into this matter he said he listen to the tape on both days and he would give me a call on XXXX/XXXX/2016 and i never received a call because he knew that he did n't look forward into this matter and sided with the young lady that was wrong and messed up both of my accounts.Now they are asking me to pay the money of {$67.00} i do n't think that i owe this money at all because of the neglect of the young lady not doing her job and transfering my money into my account ending in XXXX.
Consumer complaint received 2016-02-15
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BB&T CORPORATION (NY)

a car loan for XXXX per month for 72 months was original agreemen. 
6 months of extensions at various intervals during course of loan loan maturity was extended to XXXX 2016 .I WAS TOLD ATTHAT TIME XXXX WAS STILL OWE.THIS SEEMS LIKEAN EXHORBITANT AMOUNT OF INTEREST FOR A 6 MONTH EXTENSION,
Consumer complaint received 2015-12-10
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I send it to the financial institution that has the mortgage of my house and I send that paper the financial institution told me that my modfica- tion was rejected when the company that was already discussed above told me that my model was already approved so I am writing to you to please help me solve this case.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

My fixed rate mortgage payment went up again because of escrow. Nationstar never offered me a choice of paying the difference off or just accepting the payment hike. This happened for the second time with that company. Whereas before, when my mortgage was handled by other companies ( at least XXXX in the past ), I was always given that choice and was able to keep the payment amount the same. When I talked to Nationstar 's mortgage representative he said that they had sent the notification by email. I checked. That email did not have any sort of offer to pay off the escrow shortage. And even after I paid off the shortage while on the phone, the representative still said that the payment amount would still increase, even though less than before I paid shortage. I would like to know why a fixed rate mortgage payment still goes up with Nationstar and more importantly, why do they ignore my right of a choice to pay off the shortage before they bill me with higher mortgage payment. And why do they not let me to pay the Escrow myself? The Nationstar 's mortgage representative was not helpful with those questions. But he did send me the Annual Escrow Disclosure Statement this time, when it was too late.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I had a 5 year loan modification with XXXX XXXX, who then sold it to XXXX XXXX XXXX and then XXXX sold it to Nationstar Mortgage. In XXXX of 2014, the original 5 year modification ended and Nationstar sent me a letter stating my mortgage payment went from {$1200.00} / Month to {$2200.00} / Month, which there was no way I could afford. I tried to do a loan modification with Nationstar, and after a few months they came back to me and said " Congratulations, you 've been approved ''. My new monthly payment would now be {$2100.00} / months. Wow! They took off a whole {$14.00} per month. I have been trying to work with my Loan Modification specialist to work something out but they are very unresponsive and will not get back to me for weeks, in some instances. Now, it appears they will either send me a default notice or possibly have me do a short sale or cash for keys, and be out of my home of 14 years in 60 days.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (PA)

On or bout XX/XX/23 I sent XXXX, Equifax, and XXXX a dispute of certain information on my credit report. 
On XX/XX/23 XXXX sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 XXXX sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date Equifax has not responded. 
On XX/XX/23 I sent a response to XXXX advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to XXXX advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date Equifax has not responded.