davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

XXXX supposedly issued two refunds for cancelled transactions : Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX XXXX XXXX just sent you a full refund of {$70.00} USD Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX just sent you a full refund of {$250.00} USD The refund is owed to me, but they sent it to PayPal. PayPal supposedly sent it - but they did not - They lied. ( Notice the Status Completedno way it ever was completedthey lie - are holding it ). 

Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX PayPal supposedly has sent the refund, but neither the bank card administrator nor my bank administrator have seen anything of it. But XXXX insists that the refund is paid and then tells me " it may take 21 days to work through the system ''. Both the card administrator and my bank administrator tell me that is an outright lie, and if they had returned the funds, it would be in my account in minutes. PayPal is simply holding my money. I got the refund ... not PayPal ... so why does XXXX even give " my money '' to PayPal? PayPal can withdraw money for payment in seconds 24/7/365 ... but they can not put a refund back in less than 21 days minimum ... I am sorry but that does not compute. It simply gives PayPal a free loan for 21 days and counting. PayPal is stalling, but the buck stops with XXXX. They are the ones issuing the refund supposedly to me, and they could easily put pressure on PayPal to move it along, but they make the ridiculous claim that it is out of their hands. PayPal meanwhile is impossible to contact. I have a XXXX and I can not do phones ... do not even have any phone ... so they are trying to force me to make a PayPal accountthen they demand access to my bank account to issue any refund. You can not purchase anything on XXXX without going through PayPal. They can deny being connected all they choose to do so, but they are joined at the hip, and both are not particularly honest. I have written lies from each of them. 

Please note, I have no PayPal account - plus not only are they not giving my money back in reasonable amount of time, but they are also charging me for the abuse of doing so. 
I was issued a quoted refund amount by XXXX, but now PayPal is taking a chunk as payment for abusing me.
Consumer complaint received 2017-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

They have takem {$1400.00} dollars from me for the last 4 years. They where never my mortage comoany and been sending fraudlent papers to my home. Never helped me lower my payments and increased fees, wuthdrew escort payments, and charged me a pmi every month. They avoid my calls and never answer my emails.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, 2017, I initiated a wire transfer with a Bank of America branch in XXXX MA. The amount to be transferred was to be XXXX XXXX Yuan sent from an American checking account in American dollars. It was indicated to use that the exchange rate to be used would be somewhere between XXXX to XXXX yuan for every dollar. This was close to the exchange rate shown online at the time and similar to the exchange available from XXXX. We thought this was fair and conducted the transfer. We expected not much more than {$12000.00} to be withdrawn from the checking account to fund the transfer. Upon receipt of a monthly statement we realized that {$12000.00} was with drawn. Bank of America indicated to us that they used an exchange rate of XXXX. This exchange rate was no where near the published exchange rate online or the exchange rate used by Bank of America. If we had known that Bank of America was going to use this anomalous exchange rate, we would have used another company. We do not know if this is a normal mode of operation for Bank of America, but it seems very inappropriate. I am a XXXX XXXX and I do not know if they regularly give misleading information about the exchange rates that they will use to foreign customers. I went in person to the Bank of America branch where this transaction was conducted and they told us to call the foreign exchange center. I called the center to voice the complaint and they indicated that the money would be refunded. Unfortunately, so far they have only refunded XXXX. The difference between the rate we believed we would be paying and the rate that was used, should mean that Bank of America should refund us at least {$590.00}. We would like for Bank of America to at least credit this additional XXXX. The issue of anomalous exchange rates being charged by Bank of America should also be examined so that this does not happen to other people. Thank you.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

After being notified this week about my personal information being compromised in the Equifax data breach, I was unable to place a credit freeze on my credit report online. Equifax on line system resulted in a " system error XXXX. '' I tried to contact Equifax via phone but the waiting time is 'forever. '
Consumer complaint received 2017-09-15
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: BARCLAYS BANK DELAWARE (CA)

Barclays bank delaware is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (OH)

Recently, a company named Merchants Credit Guide started reporting a collection account on my credit report. I have no idea who or what this is. The Fair Debt Collection Practices Act states that a collection agency is required to provide a 30-day notice to dispute, prior to an account such as this be reported on my credit report. I received no such notice, and was not provided with the opportunity to dispute this debt, prior to this company reporting it on my credit report.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (TN)

XXXX County Texas case number ( XXXX ) was dismissed and not a Conviction. Sterling has verified this with the courts as well and only removed it from XXXX XXXX XXXX  background check only. This case is also past 7 years old I am requesting that it be Completely removed from my background all together in case any other company run a background check for employment. Please see documentation from Sterling. 

Also XXXX County Texas case number XXXX should not be showing up on my background check either because it is past 7 years old. The document from Sterling say the filed date is XX/XX/XXXX in which that is incorrect. The filed date is XX/XX/XXXX in which it is past 7 years as of XX/XX/XXXX. I am requesting that this be removed completely from my background check all together not just only Sterling background check but whomever try to run a background check on me for employment. I have attached documentation for both. Per Sterling pre employment background check stated that it will go back within the past 7 years. So 7 years from XX/XX/XXXXwould be XXXX. Please see attached
Consumer complaint received 2017-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

We have a loan with Wells Fargo Dealer Services for a used car. They have reported to the three credit bureaus that we have made six payments that were over 30 days past due. The credits reports show we were over 30 days late XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX This is not true at all, as we have never been OVER 30 days past due on making a payment. I have called Wells Fargo Dealer Services and spoke with them about this reporting issue. I was told that they would fix this reporting issue, and get our reports changed to show that we had not made any payments over 30 days late. This has never happened. We also disputed this in writing with no change. This is causing us to have serious credit problems, and keeping us from buying a home. If this does not get resolved we will contact a lawyer.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (OR)

I had an XXXX card with Costco which I rarely used and had a XXXX balance. Costco then shared my confidential, private, credit and contact information without my consent and signed me up without my acceptance or agreement for a " Citi Anywhere Visa Card '' and then mailed me the card. I never activated the card and did not plan to accept the new account. I therefore did n't pay any attention to the mailings from Citi for several months as I did not activate the card nor did I use the card. After several months, I opened a mailing to find that it was a statement and that they had charged my Costco membership fee to the card as well as adding late fees and interest for not paying. We have contacted Costco and Citi several times to try to resolve this, including cancelling our Costco membership over the issue. The Costco membership fee has been refunded and the card closed. Citi has agreed multiple times over the last few months to remove the late fees and interest and XXXX out the balance. However, they have failed to do so and instead are still sending monthly statements, the latest being dated XX/XX/2016 with another {$37.00} late fee added and {$1.00} in interest for a new balance of {$100.00}, despite the original membership charge being refunded by Costco and Citi cards multiple assurances that they would remove the late fees and interest charges. I called again on Sunday, XX/XX/XXXX and the customer service specialist AGAIN agreed to remove the charges and XXXX out the balance. I just checked again today and the balance of {$100.00} remains on this account. I have very good credit and I now fear that I will be reported for late payment or unpaid balances to the credit bureau, negatively affecting my credit. For a card that I never agreed to get and charges that I never agreed to have charged to a credit card that I did not activate. Based on the fraudulent activity of Citi, Costco, violations of my privacy, and the ongoing lies of Citi employees, I have investigated online to find that I am one of many Costco customers dealing with this same issue. This leads me to believe that Citi has no intention of making this right without further action. Their behavior is despicable.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (TX)

Seterus Inc refinanced a mortgage without my knowledge or consent. In XX/XX/XXXX they named me as a primary and my ex wife a signer and extended my credit 636 months at {$1200.00}. I had no knowledge of this and signed nothing, I have not owned this property since my divorce in XX/XX/XXXX.  Thank you
Consumer complaint received 2017-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OH)

Hello, Several months ago I needed a payday loan.. I understood the terms were not favorable due to the nature of the loan and the risks involved for the company.. However, this is getting ridiculous. I took a {$1500.00} installment loan over 4 months ago and they have been taking out {$370.00} per check since XX/XX/XXXX. Every 2 weeks. That is over {$4500.00} paid for a {$1500.00} loan? On their website, I can not see the history anywhere and they are not responding to my requests to stop withdraws. I can not afford this any longer, it is putting my life and finances in serious jeopardy. I 'd like to stop all the collecting, I 've paid off my loan in full plus so much interest and fees. Their website gives me no information? PLEASE HELP.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

My most recent Experian credit report shows a collections item by XXXX XXXX XXXX which was incorrectly filed against my personal credit. This was a business credit card I had through a bank. I have also never done business with XXXX XXXX XXXX. I believe they purchased this debt from another company It has also been more than 7 years since the original delinquency date and since I last made I last made a payment or there was any activity on the account. I have disputed this item several times and twice within the last few months, but Experian has not removed the item from my reports back to me " The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Consumer complaint received 2017-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SCOTTRADE BANK (CA)

On XX/XX/XXXX {$500.00} disappeared somewhere between the time I transferred it from my Scottrade Brokerage account and my Scottrade Bank account. The company said that they had a technology " glitch '' that day, and after five phone calls and many hours on the phone with them the money is still missing.
I had intended to transfer {$500.00} that I had as a cash balance in my brokerage account into my Scottrade bank account. Initially the transfer went through ( from brokerage to banking ) because my cash balance of {$860.00} was more than {$500.00}. But by the end of the day the transfer was reversed and the {$500.00} disappeared from both accounts and was never returned.
The next day I successfully transferred {$350.00} from brokerage to banking, and I should have had {$510.00} as a remaining balance. My electronic statements however were apparently " fixed '' by someone, and cash balance changed to {$0.00}. A review of my statements shows the {$860.00} balance on the last day of XX/XX/XXXX suddenly changing to {$0.00} on the first day of XX/XX/XXXX.
Somehow Scottrade insists that I owe them the missing {$500.00} ( the {$12.00} is also still missing ). I traded some stocks since then, resulting in a new brokerage cash balance, and today ( XX/XX/XXXX) they illegally raided my Brokerage account and took another {$500.00} from my brokerage account to replace the money that they lost during their computer glitch/technical error.
Bottom line : they had a technical glitch and money disappeared from my account. Their bookkeeping reveals that they manually tried to cover-up their error.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a home mortgage with Fifth Third Bank. I have made payments on the mortgage for two+ years, and property values have gone up significantly in my area. As of XXXX/XXXX/2017, based on the original appraisal, my loan to value was 87.7 %. I am fairly certain that if I were to have the home re-appraised, my loan to value would drop to 75 % or less, which is the requirement for my mortgage in order to drop the PMI ( Private Mortgage Insurance ). The PMI costs me {$85.00} a month. I have requested a re-appraisal from Fifth Third Bank four times now without success. The reason they provide is that I have not made two years of PMI payments, but I have made more than two years of PMI payments. The Fifth Third Bank customer service representatives that I speak with when I call agree that I have made the two years of PMI payments, but still tell me that is the reason why my request is being denied. They will not put me in contact with the person/agency that is denying my request. I feel like I am out of options.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. 
In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.
Consumer complaint received 2017-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (KY)

With my PNC Virtual Wallet account, for some reason my Reoccurring monthly payment on the XXXX of the month to my car loan with PNC did not happen. I had no idea why. I talked on the phone to PNC today after my husband notified me that there was something that popped up on XXXX XXXX. PNC Virtual Wallet costumer service said they did n't know the problem but would transfer me to the car loan department. I paid what was owed with the money that was in the account waiting to be transferred. However, that does n't fix the problem that I never manually decided to not do an XX/XX/XXXXpayment, and then I fell behind. While PNC Virtual Wallet has my correct number, and the car loan from PNC had my number, they were calling an old invalid number to the account to make us aware. Which is also something that I told the car loan department through PNC before to only call my number, when in fact they did n't call my number.
You will see in the documents that my XX/XX/XXXXcalendar from virtual wallet was missing the XXXX reoccurring payment. However, XX/XX/XXXX was n't missing. You will also see where I went ahead and paid current when noticing the problem today over the phone.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: United Recovery Solutions (OH)

I received a call from XXXX, Consumer Financial Protection Bureau stating that was going to put on my Credit bureau report past due amount when I never signed on the contract. I also did not receive the mini miranda during the conversation until at the end of the conversation. XXXX was very rude, insulting and threating in tone and verbal conversation.
Consumer complaint received 2017-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX I took a personal check in to finance XXXX XXXX the check was {$2300.00} for a loan on a XXXX XXXX XXXX XXXX wellsfargo had contract on loan found out that XXXX and XXXX say he is XXXX stated they will not give my money back, but I have no car and loan not approve. I called every day to speak with the XXXX but everyone answer said they are busy, but heard XXXX employee said my name to them and said told them you XXXX was not her. I also ask for owner name they stated can not tell me his name. this place does not need to be in business at all. they are not honest at all. please help all I ask for is my money because I have no car are loan. thank you.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

As one of the reported 143 million acknowledged by Equifax to have had my information compromised, I have been trying for days to get Equifax to implement a credit freeze without success. The efforts always end in a terse comment that the request can not be done at this time and to try again later.
I do n't imagine anyone attempting to fraudulently use my information to obtain credit is having the same problem. 
Equifax, who has know about this for weeks and surely had time to anticipate the predictable response and adequately prepare the necessary steps to minimize exposure to fraud, has failed miserably.
Consumer complaint received 2017-09-15
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation (MI)

On XXXX/XXXX/2017, at about XXXX XXXX they contacted a relative and shared personal financial information including my name, social security number, amount of debt, and nature of debt with him without permission or confirmation that they were speaking to the right person. The relative repeatedly told them that he was uncomfortable sharing or confirming my financial information. XXXX shared significant financial information with him.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

There are XXXX collection account which are not owed, false information and outdated. I have disputed several times and they are still listed. Please help XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX