davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Lending, Inc (CA)

On XXXX XXXX, I was contacted by XXXX XXXX XXXX a loan officer at a company titled XXXX XXXX in Southern California. I was looking to gain information regarding refinancing my home via a 5-7 year adjustable rate mortgage. 

XXXX XXXX, later that day sent me correspondence for a 30 year fixed loan and an ARM loan, the ARM loan being not what I wanted, he said but did not tell me why I did not want it. I explained to him that I wanted an ARM loan due to it not needing an appraisal or pest inspection and the fact that it also offered me a lower rate. 

When we spoke again, I was told he had found a 30 year fixed-rate loan and no inspection or appraisal would be needed. I explained to him then for the first of many times, I could not afford the inspection and appraisal. At another time he told me that unfortunately, the appraisal would be required but he would assume it in the cost of the loan, not to worry. 

I decided to go ahead with the 30 year loan because the apprasal would be assumed into the loan and the old pest report could be used.

Time passed and he called me back and told me he needed a copy of my debit card to submit to the underwriter to get the loan approved ( that without the debit card print out the underwriter would not approve ) but he would not run it. He told me that he could find a way to assume the appraisal cost of {$600.00} in the loan. I agreed after again, telling him that I had no money in the account. To make a long story short, the appraisal that should n't have been required, was ordered by XXXX XXXX and the debit card was run, debiting {$600.00} from my account. I tried to handle it on my own. I canceled the pending refinance and chose another Iender and wrote the President of the Company regarding the Matter. I told them what happened and requested my money back I was contacted by the company twice, but only given the run-around. I do not understand why these companies are provider so much leeway to take advantage of consumers. Thank you. 

XXXX XXXX
Consumer complaint received 2017-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Failure to send monthly mortgage billing statements to me for six years, nearly the entire time of Wells Fargos servicing of my mortgage and refusal to send such statements, claiming that they are not required to send monthly statements. 
Failure to provide to me substitute monthly mortgage billing statements and refusing multiple requests to provide substitute replacement statements. 
Failure to send mortgage modification paperwork to me in a timely fashion such that it expired one day after receipt in order to prevent adequate review time and consideration of the modification provisions and time for consultation with an advisor or attorney for legal review and to submit for the modification. 
Filing a foreclosure action against me under the false allegation that my home is not owner-occupied in order to avoid providing normal mortgage resolution processes and procedures and relief such as mediation, repayment plan, forbearance agreement or modification, and toe take my home under the false statements that my home is not owner-occupied. ; Substituting Wells Fargos identity on my utility account in lieu of my identity ; Cancelling my mail delivery by telling the United States Postal Service that my home is not my home and that my home is not owner-occupied ; Replacing locks on my door and locking me out now for four months without providing a key and a letter of authorization of entry as required by police so I do not get arrested for trespassing into my own home ; Not recognizing my lawyer by claiming that my lawyers letter of representation was insufficient
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CO)

On XX/XX/20, I discovered my credit was charged for {$170.00} at XXXX  in XXXX. I live in XXXX, the geniuses at Goldman said I made the transaction but provided no evidence. I did not make this charge! My wallet was lost/stolen.
Consumer complaint received 2017-12-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc. (TX)

XXXX/XXXX/XXXX I was advised to come to XXXX XXXX XXXX, XXXX, TX XXXX to exchange laptop computer with damages under warranty. Manager advised to pick out new computer, he assigned salesman to execute warranty agreement. Salesman did not explain that new warranty included cost nor did he discuss terms of new installment agreement I was asked to sign, nor did he give me a copy of paperwork. I was under impression paperwork was simply for exchange and had no idea cost was involved. 

XXXX/XXXX/XXXX received late notice from Conn 's in regard to new acct for XXXX per month on XXXX warranty acct. I had no idea what this acct was for, contacted Conn 's and after hours on phone was able to reach XXXX XXXX in customer service XXXX/XXXX/XXXX. She removed 1/30 days late on acct and offered to refund all payments and close acct. 
I asked her to add my phone number to acct. so that I would receive notices when payments were due.XX/XX/XXXX Salesman asked if I wanted new acct with XXXX XXXX, I advised no and do not pull my credit. He inquired on my credit and opened acct against my express wishes. I discovered this acct in reviewing my credit report from XXXX and advised XXXX XXXX with Conn 's about acct opened without my permission on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX contacted Conn 's and learned that warranty acct was over 30 days late. I had received no notices from Conn 's as requested XXXX/XXXX/XXXX. Made arrangements for extension and paid on XXXX/XXXX/XXXX, was advised by Conn 's no late would be reported to credit bureaus I was protected as a victim of Hurricane Harvey. 

XXXX/XXXX/XXXX received notice from XXXX that 30 day late was reported to bureaus on acct # XXXX by Conn 's. I called and emailed XXXX XXXX, Conn 's Customer Service several times requesting 30 day late be removed as agreed in arrangement XXXX/XXXX/XXXX. I also included Service Agreement Cancellation Request to cancel warranty and refund all payments AFTER XXXX removed. I also advised that XXXX XXXX acct was closed by me and that it was opened against my wishes. Requested inquiry be removed from all credit repositories,. 

To date have received no response to phone calls or emails to XXXX XXXX in regard to Service Agreement Cancellation Request, 30 day late removal from acct # XXXX or removal of inquiry XXXX/XXXX/XXXX opening XXXX XXXX XXXX acct. I have spent many hours on phone with Conn 's trying  to get these issues resolved, to no avail. 

Would very much appreciate your assistance in resolving these issues which have dramatically effected my credit rating.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL continues to send my loan to a collection agency named Transworld Systems , INC.,  when my loan is not delinquent and the amount demanded by this agency is not correct. I have addressed this with the Director of the loan department over a month ago, and he apologized for the error but the problem remains. I received another letter from them XX/XX/2017. The notices they send make it sound as if my loan is in default and the wrong total amount due is demanded.
Consumer complaint received 2017-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

There are multiple unauthorized transfers occurred lately in my saving account in Chase bank, it is common sense that nobody use saving account for online purchasing, I did n't get any alert / call from the bank, due to the security loophole in their online banking system, those transaction went through without any authorization or approval from me, and they refuse to fully recover my loss, which is totally unacceptable : XX/XX/XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : XXXX XXXX XXXX WEB ID : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$180.00}
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

On XXXX XXXX my son was born at the XXXX XXXX XXXX XXXX owned by XXXX XXXX. I am an employee of XXXX XXXX and chose this facility for my wife to deliver to make sure our insurance covers everything. When our baby was born a pediatrician came in to see the baby, we were not given a disclaimer that this Pediatrician is from XXXX XXXX XXXX '' and was not covered by our insurance. It also does not make sense to have an out of network doctor at a in network hospital. We were not given the choice to choose an in network pediatrician. The lack of transparency from total pediatrician and then having the nerve to transfer the amount they think I owe is shady. I received a couple of letters from them directly and today on XXXX XXXX I received a letter from Wakefield and Associates on behalf of XXXX XXXX XXXX. Considering all the circumstances I do not think I am liable for this debt as I did not signed to receive out of network services nor did I opted for their physician. I would request them to close this account and cease all communication with me.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need TransUnion, XXXX XXXX to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their XXXX was in training, he XXXX me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX  Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$100.00} Needs Attention
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with Rushmore Loan Mgt Services. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. XXXX XXXX XXXX was the first. We are now working with XXXX XXXX XXXX to try to close this short sale. XXXX XXXX XXXX has a XXXX XXXX, XXXX foreclosure date. Rushmore is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting Rushmore to settle this loan with XXXX XXXX XXXX. I could also use help getting XXXX XXXX XXXX to move the foreclosure date out so that a reasonable closing can be processed.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capitol One has charged me interest for items that were returned, charged over 400.00 in gift cards promised but not credited back to the account, needs to adjust the pricing on  item, and needs to show a proof of purchase for a XXXX dc location receipt. I was charged an amount i didnt agree too. 
I am owed several thousand dollards by Capitol One and  want it credited back immediately. They have been scamming me for months.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

XXXX XXXX XXXX claimed I owe XXXX. They could not provide me with “validation”; that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I have not heard from the company saying that I owe them. Also when I called I got no response. A certified letter was sent and I received nothing.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo previously set my accounts for closure in XXXX 2017. Once previous before that, the reason i was given at that time was due to excessive claims. However i never had excessive claims. When i reported this to the consumer financial bureau before i was told that my case was being researched. However it was not being researched. They did n't assist me at all and blocked all incoming deposits. This is my first account, and by filing claims it has nothing to do with being a risk. However, since my accounts were kept open i have filed a total of 16 Claims. After retention. These claims of the 16 only 5 were actually valid, and not mistakes. These were either duplicate purchases, or Fraud charges when i lost my card back in XX/XX/XXXX. 

Not only does this information i am providing uncover more evidence. The rest of the claims were actually canceled as i submitted them by mistake but cancelled them right away and called the claims assistance center the same exact day to tell them i made a mistake. They assured me they were cancelled but told me they would remain on my account. 

Now several months later i call, and am told my accounts will be closed again. ONCE AGAIN DUE TO EXCESSIVE Claims. I spoke to 5 different reps. I advised them i do n't have excessive claims, and was not told of any stipulations i had on my accounts. Well the letter Wells Fargo emailed me about closure says i have been doing security risky behavior. I will attach these letters, i have not done any risky behavior at all. Wells Fargo is my main bank i use it to pay my bills, and rent. They are holding my Money now. I just redeveloped my relationship with them too by becoming a portfolio customer, opening my investment account ( Brokerage ) and following everything i was supposed to do. I have accessed my accounts properly, and have not misused my cards in anyway. 

Well the Rep is telling me now that, the same claims center sent another notification to have my accounts closed again DUE TO EXCESSIVE Claims. MONTHS later. I feel like this is unfair and harassment. They always do this when i actually need my money, and when they know i rely on my direct deposits going into the bank.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I am the victim of ID theft. I have several times told XXXX and they promised an investigation into it. I have had XXXX for more than ten years and XXXX continues to say it was me even though i know i never made a single call on a XXXX phone in my name. XXXX now reports it as a delinquent account ruining my perfect credit and ignores id theft laws regarding furnishing proof. Since they are XXXX and not a debt agency they tell me they can harass me all they want and do not fear you folks " in the slightest ''
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to report possible illegal and deceptive practices related to my Capital One XXXX XXXX XXXX store card. I attempted to use my XXXX XXXX XXXX store card online on XXXX XXXX, XXXX. I received an error message, and contacted the number on the back of my card to make sure my account was in good standing. I was told by the representative the account was in good standing, and I had a credit to the account. I asked the representative if my account number was the same number on the card, and he replied yes. After almost two hours of difficulty placing this order, I called the card company again. I was told by another representative that my card was invalid, and that they had sent me a replacement card, that was returned due to an invalid address approximately two years ago. 

The representative was unable to offer an explanation as to why I was able to use an invalid card for two years both online an in-store without issue or notification from the card company. He was also unable to offer an explanation as to why the card stopped working on this date. I have spoken with the card company- Capital One on numerous occasions regarding this account, most recently on XXXX XXXX, XXXX, and was never notified that there was an issue. I was informed I would have to wait 4 to 6 business days to receive a new card, and I would not be able to complete my purchase that day. 

I then spoke with the representatives supervisor, XXXX, who was also unable to offer an explanation. XXXX informed me that, if I could provide him with my account number, he could give me the number for my new card to complete the purchase. I then gave XXXX my card number, which the representative I spoke with approximately two hours prior confirmed was my account number. XXXX then informed me that this was in invalid account number, and unless I was able to provide him with my account number from my statement, which I did not have, he could not give me my new card number. He advised me to get a copy of my statement online, but then informed me that I could not sign up for access to my online statements without a valid account number, so he could not assist me any further. 

After speaking with XXXX, I attempted to create an online account using my card number as my account number and was able to do so- indicating that my card number is, as the first representative confirmed, a valid account number. 

My account is in good standing and the company is preventing me from accessing it, citing inaccurate and conflicting information from multiple representatives. This also presents a potentially serious security issue- if my card has been invalid for two years, why was I able to use it? If my account number is invalid- why was I able to use it to create an online account? This is negligence. 

Thank you for your assistance.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation (NV)

Back around XXXX of 2015, I checked my credit karma score and to my disbelief. MEDICAL BILLS OVER {$4000.00} dollars we in collections! My identity had been stolen a few months earlier as I 'm from Oklahoma. My ID, SS Card, Debit cards, everything had been stolen. I even have contacted the IRS on this matter and have gone as far as contacting the IRS because someone had also been claiming me as a dependent. I have tried to dispute this and they repeatedly keep shutting me down as this is accurate. I need this taken off of my credit report. It 's killing me!
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IL)

According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do n't know who the DEBT originated from. 

I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! 

I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX XXXX! 

I ca n't pay the $ ( XXXX ) since I am negative!
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Computer Credit, Inc. (TX)

On XXXX XXXX 2017 I had to take my wife XXXX XXXX to the XXXX XXXX XXXX XXXX emergency room in XXXX XXXX Texas for extreme pain in her side ( XXXX XXXX ). We presented our XXXX from XXXX XXXX card which would have covered in network or out of network emergency room visits. Their explanation of benefits clearly say no charges after deductible in or out of network, which was met. It also says limitations and exceptions none. Available at XXXX XXXX XXXX XXXX. 
I have received a bill from the hospital for {$5700.00} which has been sent to collections because the health insurance did not want to pay the hospital the total amount. I have called the hospital and they said they cant do anything because XXXX does not want to pay the bill which in their benefits it says no limitations or exceptions after deductible. This is not the first and only bill my wife and I have been responsible for but it is the biggest one. There are others that were supposedly covered but XXXXXXXX XXXX will do anything to get out of paying. I have called them a several times times but they are very rude and say that its my problem because I was out of network ( again refer to explanation of benefits )