davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

When I refinanced my mortgage loan I paid a heavy price through the high interest rate and the inflexibility of my mortgage servicer. I never understood why Wells Fargo did not modify my loan until I read articles about how Wells Fargo has lost homes due to failures in their loss mitigation process and now it all made sense. I trudged along struggling to make my payments, but years down the road I lost my job and it was impossible for me to keep up with the mortgage payments. I reached out to Wells Fargo for assistance, but they have not assisted me with my mortgage and now my loan is in default and is in foreclosure. I used a non-profit company, XXXX, to compel Wells Fargo to get me back on track, but after six months, Wells Fargo dropped the ball with them and I am now further behind. Wells Fargo just can not get it right due to their poor communication and inflexible process. Things have taken a really bad turn and I am afraid I will now lose my home through foreclosure as their agents proved they are utterly incapable of helping homeowners. I have never had a single point of contact and my mortgage has turned into a nightmare. My income is now better than ever and I can afford a reasonable mortgage payment if given the opportunity to save my home. It is inexcusable the way that they have treated me and I am hopeful that your agency can get them to the negotiation table in a fair and transparent process that will allow me to keep my home.
Consumer complaint received 2019-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

This is a complaint against Navient-XXXX XXXX for malpractice in the full settlement of private student loan accounts. 

My name is XXXX XXXX XXXX, guarantor ( co-signer ) of the private student loan accounts of my daughter, XXXX XXXX XXXX which is being serviced by Navient. I have been paying these loans myself, being the guarantor, while my daughter is paying the federal student loans which she can only afford to pay by herself. 

On XX/XX/XXXX, I called Navient offering to pay the following XXXX XXXX XXXX XXXX student loan accounts : XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; and XXXX # XXXX. I was talking to a lady whose name I can not remember. However, I was advised that our conversation was being taped. The lady said that to settle all the private student loan accounts on this date, I need to pay the total amount of {$45000.00} by issuing a bank check which will be electronically transmitted and debited to my bank account immediately. I then issued my XXXX Bank check # XXXX for the indicated amount. ( Refer to Exhibit XXXX with an arrow pointing to the item ) After this settlement I was expecting from Navient an acknowledgement that all the student loan accounts of my daughter were fully paid. However, Navient was still sending a XXXX XXXX every month for XXXX Account ending XXXX showing balances but demanding no payment. ( Refer to Exhibit XXXX for the latest billing summary received ) On XX/XX/XXXX, I wrote Navient reminding them of the full payment of the student loan accounts and to release me from my guarantee. ( Refer to Exhibit XXXX ) On XX/XX/XXXX Navient replied in a letter ( Refer to Exhibit XXXX ) that Loan Accounts ending in XXXX, XXXX, and XXXX are closed and paid in full with a total amount of {$27000.00}. Navient also stated in the XXXX paragraph of this letter that, regarding Loan Account ending XXXX, they only received a payment of {$29.00} and not enough to pay the loan because there is still left a balance of {$68.00}. This statement is not true because the amount attributed to the payment of Loan ending XXXX would be {$17000.00} [ Check amount of {$45000.00} minus {$27000.00} ( full payment of the other XXXX XXXX XXXX XXXX loan accounts ) ] On XX/XX/XXXX, I wrote back to Navient refusing to pay any amount because the payment of {$45000.00} was agreed to fully pay all XXXX XXXX XXXX XXXX loan accounts. 
Navient should issue me a letter that Loan account ending XXXX has been paid in full, is closed, and I no longer have any financial responsibility to this account. 
The cashing of the check payment of {$45000.00} by Navient is an acceptance of the full settlement agreed by its representative. 

I will appreciate CFPBs intervention to this matter in my favor. Thank you very much.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

1 ). XX/XX/2019 : Equifax lifted ( at my request ) fraud alert on Equifax credit file.

2 ). XX/XX/2019 : Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

3 ). XX/XX/2019: Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

4 ).XX/XX/2019 : Received letter from XXXX confirming point # 2, above.

5 ). XX/XX/2019: Confirmed by voice call, XXXX had also received an unauthorized request to add an Extended Fraud Alert.

6 ). XX/XX/2019. Several calls placed to Equifax trying to understand why they placed two unauthorized requests to XXXX and XXXX   for an Extended Fraud Alert after confirming it was removed by Equifax.

7 ). Equifax actions have damaged my credit score by causing an immediate drop of ten ( 10 ) points from XX/XX/XXXXto now.

8 ). Equifax actions have twice prevented our bank 's raising our credit allowance and continue to do so.

9 ). Equifax 's actions have prevented me from creating a Social Security account at ssa.gov.

10 ). Equifax 's telephone support management/supervisor ( not staff ) has refused to speak with my husband ( authorized ) while I was on the phone ( 3-way ), even though he was the only one with the necessary details and understanding to speak about the unauthorized communications to XXXX  and XXXX.

11 ). Equifax has made no effort to assist nor shown any interest in taking a complaint from me regarding this incident -- or otherwise resolving the unauthorized transmittal/communication regarding my Extended Fraud Alert to ensure that no further communications interfere with the conduction of private commercial account activities.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Woodward Capital LLC (MD)

My name is XXXX XXXX. My Social is XXXX. My Account number with this company is XXXX. My mailing address is XXXX XXXX XXXX, XXXX, MD XXXX.I am reporting this company because on several occasions I have asked Woodward Capital LLC to provide with the credit bureaus my information on my car loan. I have made my on time payments and even some payments made ahead of time. I purchased the vehicle XX/XX/XXXX. I made my first month payment on XX/XX/XXXX for XXXX XXXX I then made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and half of XX/XX/XXXX. Next, I made an additional payment on XXXX XXXX to cover months XX/XX/XXXX - XX/XX/XXXX. I have called to my creditor twice regarding this issue and I was informed that they will report in a couple of months yet and still nothing has been reported. I would like an investigation to be done in regards to this company and I would either like to report to the credit bureau immediately or I would like to be let out of my contract with this car with full reimbursement due to negligence on the company behalf. I am very displeased by this company because I am worried my money is not being handle as it should.
Consumer complaint received 2019-04-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

On XX/XX/19 I requested a payoff from my Mortgage Company, ( Carrington Mortgage ). At this time, I had not yet paid the month of XXXX. I noticed that the interest amount noted on the statement also included the month of XXXX totaling {$1900.00}. I also noticed a {$42.00} late fee which, per Carrington does not get accessed until the XXXX of each month. I called to speak with a Carrington representative and they told me to that I would have to pay the values shown or the payoff would not be accepted from my new Mortgage Company. They also stated that any the additional overpayment would be refunded to me once the loan was paid off. I paid the month of XXXX so as to be up to date and requested an updated Pay off. 

on XX/XX/19, I received a revised Payoff statement which no longer calculated a late fee but it is still holding {$980.00} for the month of XXXX. There are no recording fees or other fees noted on the last payoff statement. 

The mortgage was satisfied in full on XX/XX/19. I had a pending escrow balance to be returned to me in the amount of {$1200.00} as well as the {$980.00} advance interest payment for XXXX. The mortgage note in XXXX was no longer held by Carrington and was paid in full on XX/XX/19. After several attempts of attempting to reach Carrington and getting no response, I did receive the escrow check for {$1100.00}. They short paid {$91.00} with no explanation and to date they have not returned the overpayment in the interest for XXXX. I have attached copies of both pay off requests. A copy of a statement reflecting the escrow balance as {$120000.00} after my XXXX payment as well as confirmation of the loan payoff to Carrington on XX/XX/19 and the check copy for the escrow funds. 

Please help me get this resolved and the remaining balance of my overpayment returned to me. 

Thank you, XXXX XXXX
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

To whom it may concern I tried solving this matter with Pnc but it could not get done I have previously disputed a purchase transaction of XXXX at XXXX store and the money was at first given to me as a temporary credit and than Pnc took the money back and caused me to have my account negative and overdrawn. I called them And explained them the situation and how things happen that day the representative at XXXX was very busy. And wen it was my turn I paid with the Pnc card and than ask the guy to dont process it on the card that I would pay cash apparently it was already to late and the payment was taken cash and the representative said I would get the money refunded that never happen. Now Im overdrawn and I did contacted XXXX and they said they will contact me. That is not fair I paid cash and the money on the card should have been refunded back to my de it card. But nothing happen, I am experiencing a very difficult financial hardship situation at this time since my grandmother had a recent expensive XXXX at high cost and medications at high cost and I have no money left to cover the overdrawn fees I attempt to deposit a check and that still caused me to get my account overdrawn some fees were adjusted but new ones appeared as of yesterday of XXXX even. 
I am very broke and this fee would not have been here and could have been avoided if XXXX would have been responsible nor Pnc wished more time while XXXX credited the money back but they did not and this caused me to have fees un wanted fees and overdrawn fees. I need it those XXXX for my grandmothers medications and now Im unable to purchase them because I had to deposit the funds to cover the XXXX before it hit a new overdrawn fee. And it did. 
I need it that money for my grandmother medication I dont know what can happen if I dont get her medications as I have no money left to do so my grandmother health is at a risk of getting worse or complicating her health without the medications need it. Pnc gave me a hard time and the representative too as I tried to explain.
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and have XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the company. I submitted a online dispute to Sequium Asset by so far have not heard from them.
Consumer complaint received 2023-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

For several years I have complained with my bank and cash app about my transactions being doubled and tripled for multiple cash app transactions. Everytime I disputed or complain they tell me no errors are found but yet today while looking at my finances bank account it clearly shows this same occurrence. My cash app transactions are being deposited into his account XXXX times each transaction. Cash app has ignored my arguments about someone stealing my cash app account in whole and refuses to acknowledge any errors on their part. This has cost me several thousands of dollars and is currently still happening since XXXX.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX   XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : Transunion and XXXX. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please help!
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

ACH transactions that I did not authorize. 

All happened on XX/XX/XXXX XXXX XXXX : XXXX XXXX I D XXXX indn. Dr XXXX XXXX XXXX XXXX ID XXXX ccd for {$110.00} XXXX XXXX-Web PMTS ID- XXXX indnXXXX XXXX   ID : XXXX web. for {$370.00} XXXX XXXX XXXX : Bill Payment ID XXXX indn : XXXX XXXX Co id : XXXX tel for {$6900.00}
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America offered a promotion where if you opened a checking account ( new customer, not existing, which I was not at that time, nor was I previously within many years ) with at least a {$25.00} opening deposit and XXXX direct deposits within the first 60 days of at least {$250.00} each, they would credit the account with the {$100.00} bonus within 60 days of meeting that requirement. The bonus should have been deposited within 60 days of meeting the requirements ( opened account with {$25.00} deposit, {$250.00} direct deposits each deposited XX/XX/XXXX and XXXX on each date ) so the account opening bonus should have been deposited by XXXX. As of today, XX/XX/XXXX, it hasn't been. I contacted bank of America on XXXX spent an hour on the phone with them, they said they would investigate and get back to me with in a week. I did not hear back from them either by a voicemail message left, email on my account or email directly to me. I called again on the XXXX and after waiting for XXXX minutes on hold with no contact with a human being, had to end that call due to work. Today XX/XX/XXXX, I called and spoke with a representative who at first could not locate the offer but after searching for about XXXX minutes finally found it. She said notes on my account indicated this had been escalated. I asked to speak to her supervisor, which I was transferred to and spoke with a floor supervisor. I explained the situation and she said escalation could take XXXX  days to resolve. This is unacceptable because it is clear I met all the requirements. I have saved the link I applied for the account opening bonus. It still shows that I met all the requirements. I find it unacceptable when I have clearly met all the requirements that it will take them 60 days to " investigate ''. I believe it is false advertising and they are hoping people won't fight to try to get the account opening bonus if they delay long enough. I even asked the floor supervisor if she would be able to remove the {$4.00} monthly charges I've incurred from them as a good will gesture due to all the hours I've spent trying to resolve this which I have not been able to. She was not willing to do that. All she could say was " I can look into it ''. That is unacceptable. 

I feel I've been more than patient and that if I had not continuously followed up on this, I would not have gotten the {$100.00} advertised account opening bonus ( and still have not as of today ). This is unacceptable for Bank of America to treat me like this and borders on false advertising and misleading and deceptive practices. 

Please let me know how this will be resolved because Bank of America does not seem to consider this a high priority or be willing to resolve it at all.
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I sent an XXXX XXXX using Cash App card to the wrong number on my XXXX Once I sent the money the unknown recipient accepted the funds. Once I realized this I tried to cancel and get he funds back but XXXX could not assist. I called XXXX and reached out to Cash App because the funds came from my Cash App account. 

Cash App claimed that the transaction was valid and waited almost XXXX weeks after going back and forth to tell they could not help refund the {$550.00} to my account. I reached out to them on twitter and the same run around that I had to wait on their special team. I went back to support on the Cash App app and they told me they could basically resend info to the same team just so I get the same denial email. I was scammed and they claimed that it was not the case by denying my request. I have never had an issue up until now with Cash app but the help was not at all what I expected. I sent phone number text messages and even screenshots of the XXXX XXXX charge to show them that the money was sent to an unknown person mistakenly but to no avail they still denied it. 

I reached back out to support yesterday XX/XX/2023 after receiving a denial that was emailed to me from the special team on XX/XX/2023 and they stated that there was nothing else they could do but submit the same info to that team. This situation has been a hindrance and extremely disappointing for me to have been a customer for almost a decade.
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

I had a previous ( incorrect ) debt collection with XXXX of {$160.00} that was resolved ( with documentation ) in XXXX of 2023. Upon viewing my credit report last week, I discovered that another debt collection agency had been engaged by XXXX, again for {$160.00} and I have received no notification from XXXX  or the debt collection service ( AmSher Collections based in XXXX, AL ) . So not only am I fraudulently being pursued for a non-existent debt, but no correspondence was ever provided to me and my credit rating has been impacted due to these fraudulent activities.
Consumer complaint received 2019-04-02
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. (GA)

To whom it may concern, my information has been compromise in XXXX data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.
Consumer complaint received 2019-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

RE : I receive unsolicited call from Navient to employer, creating a hostile work environment Date : XX/XX/2019 Time : XXXX Issue : Navient continues to try to establish contact with my employer regarding a student loan. Navient also engaged in exposing personable identifiable information. This is a violation of the consumer protection act. Navient has been advised and issued a formal notice of this particular illegal practice/action many times before but continuing to proceed and completely disregarding the checks and balance. 

Please be advised-
Consumer complaint received 2019-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MA)

I refinanced my loans at the end of XX/XX/2019. Payment in full for my loan with XXXX XXXX XXXX was sent by check from my new Lender. The check for XXXX was cashed on XX/XX/2019. On XX/XX/XXXX, I received a bill for my loan payment from XXXX XXXX XXXX. When I asked about the payment in full, they said they did not receive it. I sent a copy of the cleared check via email on XX/XX/2019. On XX/XX/2019 I contacted the company via email as I had still not heard anything back. I was told that they did not have an updated. On XX/XX/XXXX, I received another bill for the next payment. I called the company on XX/XX/XXXX and was told there was still no update, over two weeks after I had sent the copy of the cleared check. I have now had to make two additional payments on a loan that should have been paid off as of XX/XX/2019.