davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (OR)

Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a debt that I owe to XXXX XXXX XXXX for {$400.00}. I was unfamiliar with this company and nor any debt that I was owed. I called the debt collection agency and Informed them that I was not this person they were looking for and to stop sending me letters. A couple of months pass and I received another letter with the same information and amount. I then saw the ability to respond by disputing the debt and checked this wasn't my debt and to send me more info about the debt that I was being accused that I owe. They responded and then sent copies of a bill around XX/XX/XXXX with more info about the company. The company was XXXX, which seems to be some XXXX  company. I've never interacted with this company and the address that was used was an address that I've never lived at nor have been too. I believe the XXXX account was made around XXXX. I don't know anyone who lives at this address. I called XXXX again and informed them that I'm certain that this isn't my debt and to stop sending me letters. I was informed that they would need a cease and desist faxed to them in order to stop the letters. I made the cease and desist and faxed it. Around XX/XX/XXXX I then received a debt collection letter from Credit Controll LLC attempting to collect the same debt that XXXX tried to collect. I assume they had sold this debt to another debt collection agency.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Subject : Urgent Legal Matter - Review of Attached Document Dear XXXX  XXXX and Resurgent Acquisitions, LLC, Please have your legal department carefully review the attached document. This matter is of serious importance as I intend to bring a civil action against your corporation for allegedly violating laws and regulations. 

Failure to comply will result in the consequences detailed in the attached notices. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (AZ)

It is imperative to address the false representation of debt collection by PROGRESSIVE MANAGEMENT SYSTEMS, as they are engaging in fraudulent activities with the intent to defraud and deceive the consumer regarding an alleged debt of {$920.00}. The stated amount is false and does not constitute the financial responsibility of the consumer in question. There is no recollection whatsoever on the part of the consumer regarding any such claim made by PROGRESSIVE MANAGEMENTS. It is hereby demanded that PROGRESSIVE MANAGEMENTS immediately cease and desist from these criminal acts directed towards the consumer.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (KS)

1. My mortgage was sold by XXXX XXXX to Mr Cooper in XX/XX/XXXX. At XXXX XXXX, I always paid my escrow shortages in full as soon as I received notification of the analysis, and my mortgage payment remained {$1300.00} for years. 
2. On XX/XX/XXXX I received notification that my escrow analysis had been completed by Mr. Cooper and showed an escrow shortage of {$390.00}. The analysis included an increase in my property taxes and insurance to {$1800.00}. It stated " Based on our projection, as of XX/XX/XXXX the escrow portion of your monthly mortgage payment will increase '' 3. As a result of the property tax and insurance increase, my new mortgage payment was listed as {$1300.00} if I took no action. 
4. I made the escrow payment for the full amount of {$390.00} on XX/XX/XXXX. Since I paid the escrow shortage in full, and because the escrow analysis took into account the increase in taxes and insurance to {$1800.00}, I expected my payment to remain {$1300.00}. 
5. My mortgage payment auto-debited on XX/XX/XXXX was {$1300.00}, an increase of {$26.00} over the prior month. 
6. I called Mr. Cooper on XX/XX/XXXX and reached a live person after a frustrating menu experience and stating to the system " File a formal complaint ''. 
7. The customer service rep said that my monthly payment increased because my taxes and insurance increased. I stated I thought the point of an escrow analysis is to notify me of the escrow shortage following a tax+insurance increase, and that if I paid the shortage in full I should not have an increase. 
8. Since I did not receive resolution, I opened a ticket with Mr. Cooper online on XX/XX/XXXX with the escrow analysis statement sent to me, proof of my escrow shortage payment, and the question is what exactly is the nature of this increase coming from if my shortage payment already covered the tax and insurance increase they determined from the escrow analysis. 
9. Mr. Cooper finally responded to me with a letter dated XX/XX/XXXX that was written in broken XXXX, made no sense, and did not answer my specific question. It stated " We have completed review of your escrow account and confirmed that we update you amount total amount has been {$1300.00} [ sic ] and there is no shortage available for this loan... .Additionally, Generally, when the mortgage company informs you that your escrow payments are increasing, it is because of an increase in your property taxes or insurance premiums. The frequency of increase in your escrow payment depends on how often the taxes are reassessed or the premiums are recalculated. '' 10. My taxes and insurance are reviewed biannually. I did not receive notification of this mortgage payment increase. Remember, I received an escrow analysis saying my payment would increase IF I didn't pay the escrow shortage, which I did pay immediately. 
11. I have no idea where this {$26.00} monthly increase is going to or how it was calculated, nor will Mr. Cooper provide this information.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GU)

Account locked likely due to phone number change. All 2FA methods turned off but 6 digit code generated by pin. XX/XX/16 USAA. Since then have been repeatedly calling and attempting to resolve, representatives can not/will not escalate due to not being able to access account. Told to utilize usaa.comXXXX however after dozens and dozens of attempts site will not accept my ID, DL or Passport. Told to mail documents in, informed them I am XXXX miles away from their office and need immediate access to not be without lodging or food. Still no support. No call back, no traction on anything or any form of call or email back. All they would need to do is verify my identity by the NUMEROUS other pieces of personal and service based information I can provide and send a 2FA request to my email like THEY ALREADY DO to verify my debit and credit card transactions online.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NC)

I have made several attempts since XXXX XXXX - XX/XX/XXXX with both the NC dept of revenue ( NCDOR ) and Chases legal department on the process of updating/releasing the account as I have the paperwork supporting that NCDOR accepted a installment arrangement and a partial levy payment was made for {$610.00} from Chase to NCDOR on XX/XX/XXXX. The total levy was {$2800.00}. I have current screenshots of the bank holds.

The problem with the process is Chase is stating if the levies are not paid in full that they will not release the holds or update the hold amount if the NCDOR doesnt provide Chase a release form. NCDOR is saying that they wont send a partial release to Chase as that is not their process. Chase informed me XX/XX/XXXX it has the account date to be on hold until XXXX, which means I am also getting monthly maintenance fees. Two fees have already posted.

I just want my account back and according to NCDOR Chase shouldnt be doing this but we cant find any legal verbiage on the legality of how long the account can be on hold and accruing fees as well as understanding how to address the gap with the bank and NCDOR regarding partial payments and taking the customer in mind and if partial releases should be formally submitted by the NCDOR to Chase or is Chase wrong?
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OK)

Chase bank shut down my business account due to no apparent reason a while back now, there was over XXXX dollars in the account. They lied to me saying my money would be released several times, the past few times I called them they said they can't verify that I own the account even though I'm the one who opened it. The man at the other end said that there's nothing I can do and that they will keep my money forever
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

so I tried to change my XXXX  number to my ssn. I was recently provided with ssn so I called them and told them about. they locked my account right away .now I don't have access to my funds I spoke with them they told me to fill out some forms and it will take 10 business day mean time I don't have any funds for food or any gas money I tried to tell them they can't do anything so my money is locked and I am so frustrated I will never bank with them again capitol one. they want me to sign w9 for but print it and mail it who has printer now days besides that it will take 10 business day that is insane
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CO)

Please see prior complaint ID XXXX, submitted on XX/XX/year> for additional details and history, and attached XXXX response XXXX Please see prior attachments with that complaint. 
On XX/XX/year> I initiated a wire transfer for {$25000.00} from my personal Wise account to my personal XXXX XXXX account in XXXX XXXXXXXX, XXXX XXXX The funds were wired first to XXXX ( domestic bank intermediary ) but never arrived at my account in XXXX. Wise " partners '' with XXXX XXXX XXXX to provide the wiring services. The funds remain missing. I have numerous emails from Wise support team advising that I contact XXXX to return the funds. XXXX refused to do so. I subsequently filed a complaint with the CFPB ( see complaint ID above ) and XXXX responded on XX/XX/XXXX ( see attached ), and claimed they returned the missing funds to XXXX XXXX XXXX on XX/XX/XXXX. They recommended I contact XXXX XXXX XXXX to retrieve the funds. I met with a XXXX XXXX XXXX banker in XXXX, Colorado on XX/XX/year>. I was informed that only Wise ( who originated the wire transfer and partners with XXXX XXXX XXXX for wire transfer services ) can retrieve the funds. I contacted Wise by email on XX/XX/XXXX requesting them to retrieve the funds ( see attached email ), and they responded on XX/XX/XXXX that they can not retrieve the funds, and there is " nothing they can do from our end ''. They advised that I should work with the recipient bank ( XXXX XXXX XXXX ) in having the funds recovered, but also suggested that XXXX XXXX XXXX would have returned the funds to my Wise account if truly received from XXXX ( implying XXXX was dishonest in their response to CFPB ). See the attached email from Wise. Wise has been unhelpful throughout this process to recover the missing funds. They initiated the wire transfer using XXXX XXXX XXXX as their " partner '' for the wire, but now claim they are incapable of retrieving the funds from their " partner '' and returning to my Wise account. They are seemingly also suggesting that XXXX did not return the funds to XXXX XXXX XXXX ( as XXXX claims in their CFPB response ), or that they are incapable of working with their partner ( XXXX XXXX XXXX ) to locate and retrieve the funds. There is a record of the fund transfers but the involved parties don't seem willing or capable to get the money back to its rightful owner.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

According to Credit Law 15 U.S. Code 1679c - Disclosures, " The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. '' As of XX/XX/XXXX, I have a closed car loan from CAPITAL ONE AUTO FINANCE that is over XXXX XXXX XXXX and has not been removed from my credit reports. The account was opened XX/XX/XXXX and has been removed from my XXXX report ONLY but still remains on my XXXX and XXXX credit reports. The account was last updated XX/XX/XXXX. 

Per ( Pub. L. 90321, title IV, 405, as added Pub. L. 104208, div. A, title II, 2451, XXXX XXXX XXXX, 110 Stat. 3009457. ) AND the Fair Credit Reporting act, I invoke my right to demand that this closed account is DELETED from my credit reports with the XXXX major bureaus ( XXXX, XXXX, and XXXX ) as the 7 year mark has passed.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have never owned this credit card it was a case of identity theft. I reported it and disputed before with the credit card company who deleted it off my credit report being that it was a case of identity theft. The company thats reporting now I have no knowledge of them never was contacted by them at all. I never gave them permission to post to my credit report about debt I dont owe. They never produce a contract that I owed them this debt or anything. They are a debt collector who bought this debt but theres is no signed contract of wet signature from from me to them. 15 U.S.C 1681 section 602.A states I have the right to privacy. They have no right to post to my credit file with my knowledge or even to access it without my consent.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

My account with DISCOVERBANK was never late! I have had exceptional payment history with DISCOVERBANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

DISCOVERBANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WLCC (FL)

On XX/XX/year> I applied at XXXX they said I got approved.for XXXX dollars. They wanted my bank information and social security and my employment information. They also took my debit card number.They said I was approved. They said my money would be deposited the next business day.I called the company today which is XX/XX/year> and in this message said I did not get approved.yesterday I spoke to XXXX different people and they said I was approved. I also got a text message and I have an email with a link. I also have screenshots of the loan. So today I was not able to speak to anyone I called the XXXX numbers and I get a recording and when it says that Im going to speak to someone it conveniently says that no one is available to speak to.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (AR)

Chase Bank refused to help me for charges originally disputed in Feburary 2024, I called to check the status of the dispute on XX/XX/XXXX because I had not heard or received the funds I am entitled to recover according to my contract, Chase Bank stated the employee never filed the claim on my behalf and that they didnt even see where a claim was noted on my account leaving me devastated, I am being refused service and given dishonest responses from the bank now that they are still responsible, I was denied benefits from a irresponsible employee and being given excuses as a result of poor customer service on their behalf, I have been deceived by Chase Bank XXXX they will not honor their mistakes.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

FBNO bank does not have an option to see the amount that the credit card holder has scheduled to be paid. The company does not send an email confirmation, post it on the credit card holder 's online account, or show any way to see the scheduled payment UNTIL AFTER IT HAS POSTED. Due to this, I have had more than one payment be for a different amount than I believe I scheduled. I have no proof to say that I scheduled a different amount. This is a deceptive practice, and it should not be allowed. When I call, FNBO can not cancel the payment. They suggest I call my bank and set up a stop payment - another fee. This is the only option as when this happens, it ties up my account for days, trying to process the payment. The payment gets denied, and then a few days later FNBO tries AGAIN to debit the payment, tying my account up again. In the meantime, I try to schedule a payment to avoid the late fee for what I know will be a missed payment, and I can't, because there is no balance due. This is a deceptive practice that is not consumer friendly- in fact it is detrimental to consumers. In my case, it is tying up my account and other transactions can't go through, resulting in more fees and hassle for myself.
Consumer complaint received 2024-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TX)

I received a letter from Wells Fargo Customer Care dated XX/XX/XXXX. The letter stated, Our records indicated that you were enrolled in the XXXX XXXX XXXX. Enrollment began XXXX XXXX and ended XX/XX/XXXX. I never authorized or requested to be enrolled in the XXXX XXXX XXXX. 

I called XXXX, spoke to a Wells Fargo Customer Care Agent on XX/XX/XXXX, at or around XXXX. The Agent asked, If I enrolled in the XXXX XXXX XXXX in XXXX XXXX and ended XX/XX/XXXX. I stated, no I never requested to be enrolled in that product. The Agent stated, since you did not request/authorize Wells Fargo to enroll you into the XXXX  XXXX XXXX, you will be compensated {$1700.00}.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (OH)

I applied for Financing with General Motors Financial Company on XX/XX/year> and was denied. General Motors Financial Company is NOT properly performing the duties quoted in their XXXX XXXX. They are Breaching their XXXX by not performing their Fiduciary Duty. They are being False and Misleading by claiming I need to be in a certain Credit Standing to do business with them. When I Provided XXXX XXXX with an application, that made me an investor. General Motors Financial Company per their XXXX XXXX XXXX XXXX XXXX that they promise to pay the principal and Interest on any and all Notes. I as investor has not been given XXXX consideration on the Security that I provided. General Motors Financial Company ( the sponsor and servicer ) Transferred my note to XXXX XXXX XXXX ( the depositor ) and from there my note was transferred to XXXX XXXX XXXX XXXX XXXX XXXX. I uploaded a copy of General Motors Financial Company 's Transaction structure found in the XXXX & XXXX XXXX Report. This is SECURITIES FRAUD as well as BREACH OF CONTRACT. 


Trust Indenture XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX Global Ratings Assigned preliminary to GM Financial Consumer Automobile XXXX XXXX XXXX XXXX XXXX