davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

My mortgage was purchased by Nationstar Mortgage DBA Mr. Cooper in XX/XX/2021. After receiving instructions on how to setup my account I followed all of the instructions in the literature and was unable to actually do as instructed in what they mailed me due to their website being broken and unable to process my zip code when creating my account. I called customer care and was told to just keep trying. Finally, on XX/XX/XXXX I was able to create my online account with Mr. Cooper and upon doing so the website showed that 1 ) I was past due on my XX/XX/XXXX payment and 2 ) that my next auto-draft payment was automatically setup to occur on XX/XX/2021. As a result of the past-due status of my account and after seeing that the next pending payment was for XX/XX/XXXX, I initiated a one-time payment so as to get my account status current. On XX/XX/2021 I checked my bank account and saw that not only had they withdrawn the payment I made the previous day, but they had also withdrawn ANOTHER payment at the same time despite what their website reflected with regard to my upcoming auto-draft. I then called their customer service and after many unsuccessful attempts at navigating their automated phone tree I was able to miraculously choose the correct options to get a human on the line. The lady I spoke with then took my information and contacted the bank to initiate the refund. Despite the fact that Nationstar dba Mr. Cooper were able to instantly draft my funds from my account I was informed that I would need to wait up to 48 hours to have the funds that they took from me without my authorization to be returned to my account.
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management is attempting to collect on a debt not owed. Midland Credit Management They bought this from another debt collector. I do not owe {$1100.00} to Midland Credit Management. They are fabricating a debt. I have never done business with them. This is being recycled to various debt collectors.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a XXXX year-old retired woman who banks at Bank of America. The only source of income is my monthly social security check. On XX/XX/XXXX at XXXX XXXX, I received a Bank alert informing me that my checking account balance was at {$0.00}. I was surprised and worried and immediately called the bank to get more information. I could not get in touch with the appropriate team ( it was after hours ) and tried again the next morning, XX/XX/XXXX at XXXX XXXX PT. 
The agent informed me there was a legal action against me and provided a number to contact that did not work. I repeatedly told the agent that any money in my account was sourced from my social security check and that that money should not be included/touched by legal actions. The agent was rude, uninterested in helping me. Because English is not my first language, I asked my daughter to help me sort this issue. We both called on XX/XX/XXXX, after a couple of transfers we reached the Legal Order Processing team. The agent was rude, but through several calls gave us a number to call. I asked the agent to transfer me to a supervisor as I was not sure the proper actions were taken to secure my money. I repeatedly shared that the money taken was directly deposited by a government agency as part of my social security and not to be part of any settlement. I expressed my desire to file a complaint. She told me my call did not qualify as a complaint as the bank had followed the right process. I asked again my desire to escalate the call and to formally complain and she responded that there were no supervisors available. I asked for her name and operator ID. She shared her name ( XXXX ),  but refused to provider her ID or department name. She stopped talking to us even after repeated requests and eventually hanged up on us. After several hours the money withdrawn was placed back in both my checking and savings account without an explanation or call. I believe the bank did not follow the right process
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credible Labs Inc. (FL)

I went to credible to only look at rates for an unsecured loan, after looking at rates I was done with the site and deleted my account. A month later I received an email from XXXX stating that they couldn't offer the full amount and that I was presented with a counter offer. I looked at the document and it was an adverse action notice for a loan that I never applied for ( was only looking at rates ), nor did I give any permission to the credible website to apply for a loan in my behalf. I wasn't looking for a loan at this time only rates.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (CA)

The situation that led to this complaint is complex and spanned over several months, so I cancelled the prior related complaint and opened this new one in order to better focus on the question I'd like your assistance with. 

Question : Is it legal for my loan servicing company to force me to pay for EXTRA homeowner 's insurance if my homeowner 's insurance meets their coverage requirements, is NOT insolvent, is paying all approved claims, and is on the California Admitted Insurer 's List, so is therb covered by XXXXXXXX XXXX  in the off chance that it can not pay a claim due to insolvency? 

As explained to me by the XXXX or XXXX XXXX XXXX XXXX XXXX was set up to protect California homeowner 's in the event that their insurance company is unable to pay an approved claim in part or in full. This fully funded insurance protects California policyholders and claimants of insovent licensed property and casualty insurance carriers. 

Background : - This is a XXXX XXXX XXXX originated through LoanDepot which was then sold to SLS or Specialized Loan Servicing, LLC - I've repeatedly explained to SLS why there is no need for me to purchase additional insurance, yet they insist they can force me to purchase the insurance they have chosen for me regardless of the information I provided to them - My homeowner 's insurance is with XXXX XXXX XXXX - XXXX XX/XX/2024, SLS is going to purchase additional insurance for me which will cost me an additional XXXX XXXXXXXX on top of what I already paid for my XXXX XXXX  - SLS claims they can force this extra insurance due to risks related to XXXX 's XXXX rating ( e.g. XXXX XXXX  ), but they never sent me the contract where I agreed in writing to pay for extra insurance based on a certain set of criteria - According to the XXXX XXXX XXXX XXXXXXXX, this issue is a contractual matter and SLS is required to provide me with a copy of the contract that I signed and it must specify the criteria that must exist before they can force me to buy insurance. I have asked them for a copy of the contract and the exact clause discussing this situation, but they refuse to provide this to me.
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (IN)

On XX/XX/XXXX, I informed the employee at XXXX that I was unable to pay the entire balance of the loan. She giggled and shrugged at me. I reiterated to her that the check should not be cashed because it would be rejected as NSF. After I left the store, I received multiple calls from them back to back but I was not in the right headspace to talk to the person who had so rudely dismissed me when talking about a serious financial issue. On XX/XX/XXXX, a XXXX employee changed the date of the check, without my agreement, and attempted to cash the check. It was rejected due to insufficient funds. I then requested a stop payment be issued for the check so I would be able to pay my rent and electricity bill. 
Today, XX/XX/XXXX they attempted to cash a different check for the same amount that I did not sign or otherwise authorize. I do intend to pay the balance as soon as I'm able but I will not pay until they can guarantee they will not attempt to cash fraudulent checks in the future.
Consumer complaint received 2020-07-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 2288984 Ontario Inc. (UT)

My son received a phone call from a company Ive never heard of " XXXX ''. These folks told me that they were a proceedings office and that they were taking me to court for an online payday loan that was taken out two years ago. They had a very old address for me and a very old bank account for me on file. 

I have never taken a payday loan from MoneyKey and the bank account that they gave me was a credit card account that I haven't had for many years so the funds could not have been provided to me through that account. 

The contacts name from " XXXX '' was XXXX XXXX Ph XXXX Ext XXXX Case ref : XXXX. 

I also looked up XXXX with XXXX on the phone and they have no website or any trace of their business. XXXX also let me know that she could not send me further written details. I think her expectation is that I pay the outstanding amount right there and then without any clue as to what any of this was about. 

I believe that this is a fraudulent transaction made in my name by someone else or being made up by this mysterious XXXX proceedings company.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo closed my account and restricted access to my funds and the reason they gave is because I used XXXX excessively one of the employees in XXXX named XXXX also logged into my account and disclosed my personal info to another Wells Fargo customer that is illegal and he needs to be fired immediately I would also like to be compensated for the stress I cant pay rent because they are withholding my money
Consumer complaint received 2021-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Notice to principal is notice to agent, NOTICE TO AGENT IS NOTICE TO PRINCIPAL : I was a of victim of Identity Theft. I contacted and I contacted XXXX, TRANS UNION AND XXXX several times and submitted my Identity theft report XXXX to XXXX by fax and upload. XXXX keeps violating the credit reporting act by continuing to report fraud account son my reports. 

XXXX, TRANS UNION AND XXXX says per their policy ( not the law ) they can continue to report the fraud accounts and violate me and the fair credit reporting act with no concern because XXXX sold the fraud account to a unknown party.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions it at it again. My account was low so i stopped using it for a few days. Regions seems to be re arranging charges/transactions in order to elicit NSF Fees. When I go to bed my account is green. When I wake up it's in the red plus overdraft fee. This is not the first or second time. Charges that have already cleared will show as pending in a few days.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA took all of my money in my accounts and took all the money comming into my account, social security : XXXX retirement : XXXX XXXX XXXX XXXX, for a couple months until I opened a new account. Even after I opened a new account the XXXX XXXX XXXX XXXX continued for a few months wile I figured out I wasn't getting it. 

The problem was identity theft on my mother-in-laws account. She was having trouble a was calling on a regular basis, she even asked for a new card and was told no by USAA employee, this happened for months. USAA then came after my account. After the neglect handling of her account examples : not giving her a new card ; declining to give a new card ; not doing anything about a recurring charge from the same place for the same amount over and over ; not escalating accounts ; saying they are putting notes in the file and nobody can find. 

For what ever reason they closed her account but still continued to take this charge over and over after being told it wasn't legitimate charges. USAA then started to take everything from my account plus anything comming in, all of my direct deposits,. 

USAA has done nothing to fix this. I have called numerous times and have talked to the executive resolution team just told me they will escalate my account after months of waiting why wasn't that done already. The response was the other account was escalated. In other words I'm getting the run around. 

The people involved are my mother- in-law, my wife, me, USAA and the thief. This is hard for me to type out and I'm sure I'm missing a lot of information so get back to me. XXXX taken from me really hurts and who knows what they got from my mother-in-law.
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

Trident Asset Management has reported a alleged debt on my credit reports. I have no knowledge of this alleged debt as i was a victim of identity theft. I have sent a letter for debt validation and have hot received a response. I also believe this alleged debt is past the collection statues of seven ( 7 ) years. Trident Asset Management is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (NY)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (RI)

I filed a complaint with the CFPB on XX/XX/2018 ( complaint number XXXX ). The issue was involving 2 fraudulent charges on the credit card statement - one for {$120.00} which Citi cleared up immediately after receiving the CFPB complaint, the other was for {$1700.00} which still has not been resolved and cleared from our account. After several calls back and forth over a 6 week period into late-XX/XX/XXXX, Citi claimed that the charge occurred too far in the past for them to issue a credit and had us, the consumers, deal directly with the merchant. 

This is not how it works at any other bank ( I know from first-hand industry experience working for a bank that issues credit cards ). Citi should have recognized the fraud loss and charged down the balance on our credit card ( not the same as with general credit related losses ) and then attempted to recover the losses by going to the merchant themselves. This is why they have a massive recovery and collections department. 

I have never seen an instance where a fraud charge was considered " too old '' to be able to rectify the issue so I am highly skeptical of Citi 's explanation of why we needed to go directly to the merchant. Even the merchant could not believe that Citi would have the cardholder contact them ( see the attached email chain ). 

This whole experience was a nightmare trying to get the merchant to even respond to us without giving us the " run-around '' and Citi just made it worse by deviating from common industry protocol.
Consumer complaint received 2018-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. 

I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (OR)

I opened an " XXXX XXXX '' checking account with Pentagon Federal Credit Union ( " Penfed '' ) on or about XX/XX/2022. During the online account-opening process, Penfed 's website offered me an opportunity to download a completed copy of the application -- I clicked on the appropriate link but received an error message. I promptly called Penfed to request a completed copy of the application, but none was ever sent. 

This complaint involves Penfed 's deceptive advertising concerning the accrual of interest on the XXXX XXXX checking account. In numerous locations, including in the governing account agreement, Penfed states that customers " receiving direct deposits of {$500.00} or more per month '' will earn interest on the XXXX XXXX account. On XX/XX/2022, after months of receiving over {$500.00} in direct deposits, but not receiving any interest on the account, I called Penfed and was told that I was ineligible for interest on the account because my direct deposits have been into a savings account instead of the checking account. The savings account that receives the direct deposits is under my name and SSN, and appears on the same monthly statement ( and in the same online account ) as the XXXX XXXX checking account. 

Specific examples of Penfed 's misleading advertising include : 1. The " banner '' on the main webpage for the XXXX XXXX account ( https : //www.penfed.org/checking/access-america ) states " Earn up to 8X the national average on your checking account balance with monthly direct deposits of {$500.00} or more. '' Nowhere does the banner specify that the direct deposit must be made to a specific account. ( see attached screenshot ). 
2. The footnote disclosures on the above-referenced webpage do not indicate that the required {$500.00} direct deposit must be made to a specific account ( see attached screenshot ).

3. Most tellingly, the account disclosures that Penfed mailed to me state that " XXXX XXXX Checking account holder can earn dividends with aggregate direct deposits of {$500.00} or more in a statement cycle. '' ( see attached copy ). In notable contrast, the section of the disclosure addressing minimum balance requirements states that " If the direct deposit requirement is not met, a minimum daily balance of {$500.00} must be maintained *in the account* to avoid the monthly service fee '' ( emphasis added ). This language clearly shows that Penfed is able to specify when certain requirements relate to certain accounts, but it chose not to do so with respect to the interest-eligibility provision. 

None of Penfed 's documentation requires the direct deposits to go to the checking account, and a reasonable consumer would not understand this requirement. At best, Penfed 's account agreement is patently ambiguous, and the ambiguity should be resolved against the drafter. In spite of Penfed 's poor drafting, the credit union refused to credit my account for the interest I should have earned from the date of opening.