davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account and will not help me getting it back up and going. I am not sure if this is some some mistake as I assume it has to be. I have been not able to get help from them for days but I just remembered that I could file a report on here and I feel they are not doing there job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX XXXX
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: ALLY FINANCIAL INC. (NC)

I received a call and they said they were from Ally Financial Institutions ( the company that has a line on my car ). I had to verify the account for them and we did it through my social security number instead of account. Immediately I noticed the person 's XXXX was poor. Then they said my account was in collection, which I knew to be untrue. I hung up but they already had my social. I called Ally to verify. They were unconcerned and offered zero assistance, only verified that my auto loan is in good standing. At the end of the scam call, the person stated they were from a law office and not Ally. The incoming number can also receive calls and the scam number was XXXX XXXX XXXX.
Consumer complaint received 2022-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

COMPANY : KOHL 'S ( Capital One ). 
Date account was opened : XX/XX/XXXX Date account was closed : XX/XX/XXXX Account # : XXXX Original Debt : {$140.00} From XX/XX/XXXX to XX/XX/XXXX the debt increased to {$430.00}. The company did not waive late fees/ and during the whole pandemic i received multiple calls during the day. 
On XX/XX/XXXX i did contact the XXXX number located in the back of my Kohl 's card to speak with a representative and change the payment dates because at the time my dad was in the hospital and we had a major setback financially and emotionally. The agent told me " that the late fees can be paused for 2 months and i can pay the next month without additional fees ''. At the beginning of the pandemic XX/XX/XXXX i called Kohl 's again to let them know that at my workplace our schedules have been reduced to 2 days because the company didn't know the magnitude of the COVID-19 VIRUS/ CRISIS.

Again the representative told me that i shouldn't worry about as long as i make the payments, the excessive fees added to the account are not ONLY ridiculous but are violating my consumer rights. During XX/XX/XXXX the Governor XXXX XXXX paused late penalties to credit cards/ paused payments/ Kohl 's kept harassing me over the phone/and mail. Predators that did not give me any option to pay the original amount XXXX dollars. They persisted to collect three times more. This debt is in violation of 15 U.S CODE s 1681 N.

Not only my emotional health has been jeaopardized by this abusive company but my credit score as well. It has been reported as 'updated account on XX/XX/XXXX '. 
which falls in violation of the Consumer Credit Fairness Act XXXX. The debt is time-barred. 
i do request to remove this account from my credit report and/or be paid for damages occurred.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I have requested my report individually from Experian, XXXX and XXXX 
I have only received a report from XXXX. XXXX XXXX requested additional information after I provided to all XXXX of them my DOB, SS #, address, and enclosed a copy of my drivers license, my social security card, a water utility bill and a copy of my pay stub. Experian I never even heard back from. It has been more than 30 days since the original requests were made. 
I am now doing ANOTHER request through annual credit report but so far it is impossible to find what must be included with the request. 
Finally, I have to go through this written request process EVERYTIME I want a credit report because they ALWAYS have some of my Dad 's ( I am a XXXX ) information on my credit report so I CAN NOT answer the questions for identification. It 's has become a ridiculous pain in the XXXX to access my credit report especially when after providing more than the required documentation XXXX XXXX requests more of the exact same information and Experian does n't even deign to reply.
Consumer complaint received 2017-02-15
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

According to the statements I have received, I have account shortage of around XXXX. After looking at the numbers, it seems that the calculations are off. If you look at page XXXX of XXXX on attached document, from XXXX 2016 to XXXX 2016, the payment of actual ending balance does n't change ... .now it does change for XXXX 2016 because they said they are assuming I will pay, but it does n't change for XXXX 2016. On my most recent statement, the same issue occurred and I do n't know how far back they back doing this
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My mortgage is with Ocwen Financial Services. After making payment arrangements they continue to call my approximately 15 to 20 times a month, up to 4 to 5 times a day. My mortgage is not in arrears. I have requested that they do not contact me by phone several times to no avail.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (CA)

I generally pay my Wells Fargo credit card balance in full at the start of each month, but I just noticed that for the past 3 months I have been assessed a {$37.00} late fee on the XXXX of each month. A Wells Fargo customer service representative says that because my online payments were early, they were applied to the previous billing cycle, so I was always " late '' for the next cycle. However, in no case did I owe them any money for longer than 30 days. 

The sequence was like this : XXXX - pay balance in full XXXX - statements closes ( after the payment was registered ) XXXX - {$37.00} late fee ( on XXXX balance due to interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX ) I can understand how their algorithm might work this way, but it makes no sense in the online era when consumers may access their account and make payments any time. I suspect many others are falling into this trap ( and Wells Fargo knows exactly how many this is ). I voiced my complaint to Wells Fargo and they would only refund one late payment " as a courtesy. ''
Consumer complaint received 2016-09-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

I tried to make my mortgage payment online but it would n't allow me to access any of the links. I tried calling to make my payment and it kept redirecting me to customer service which was closed. I have made all of my mortgage payments online until the above happened XXXX XXXX, XXXX. This is the second time in two years that my mortgage company has fraudulently tried to take my house from me. The first time was in XX/XX/XXXX. They always try to tell me I am behind on my mortgage 4 months but I am not. They come up with {$2500.00} in fees that never show up on my monthly statements. Last time they broke into my house and changed all the locks while I was out of town looking for work. The only replaced the locks and refused to repair the door. I was wondering if this is retaliation for a class action suit for forced insurance. I just want OCWEN to stop trying to steal my home under false pretense. I want to continue to make my payments online without interference from them. I missed XXXX mortgage payment so far XX/XX/XXXX so how can I be 4 months behind.
Consumer complaint received 2016-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Thunderbird Collection Specialists, Inc. (AZ)

Thunderbird Collection Agency is contacting me thru my work number during work hours. This collection debt they are demanding payment for has been discharged through bankruptcy. Besides the debt is my daughter, which was a minor at the time of service and they are trying to now contact her for payment as well. They are harassing her at her place of work and contacting her biological father at his place of work. This company is and their so called " mangers '' are mean, demanding and unpleasant. They do n't let you ask any questions about what they are calling about. They demand payment immediately or credit will be destroyed. They also have my phone number tied up with family member accounts. They are n't even my accounts that they are demanding payment for. They are sharing my information of where I work along to other family members of mine which I DO NOT want them to have. I do not want others to know where I work or my work number. I do not want my daughters work numbers given out to others or our medical bills discussed with just anyone that they can get a hold of on the phone that they think will either pay or give out more information to use against me to pay a debt that has been charged off. Also, we did n't just file bankruptcy and walk away from everything. Our bankruptcy was a merely {$37000.00} and we have paid back and still are through our attorney almost {$14000.00}. We did n't just walk away, we do n't deserve to be harassed at our place of work. We 're trying to make money to pay our bills not be harassed by this company just to lose our jobs for their relentless, mean and vicious phone calls. This is unthinkable behavior. They are all liars when we call them back to try and get some answers or try to discuss the situation with them. They either yell and demand payment or just hang up on us.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/, I fell victim to an internet fraud scheme whereby I was duped into wiring a large sum of money ( {$54000.00} ) from my XXXX XXXX XXXX XXXX XXXX checking account to what turned out to be a fraudulent account at Bank of America ( see attached IC3 report ). Luckily, our local XXXX, CA BofA branch was able to intercept and freeze that account while my funds were still there. After filing police and IC3.gov reports, I was told that BofA should soon return the funds to my credit union. After waiting nearly two months, I was informed by my local BofA branch that a Hold Harmless agreement was being requested by BofA to my credit union but BofA never actually reached out to my credit union directly. After another two weeks, through the help of the XXXX XXXX XXXX XXXX XXXX XXXX, an FBI investigator got involved and was finally able to get the XXXX and BofA fraud depts to work together to get the Hold Harmless agreement from XXXX to BofA. However, it has been almost 3 weeks since the BofA investigator has returned the FBI investigators calls to verify that the Hold Harmless issue is unblocked and that the return of the funds is in progress. I was even given a case number by my local BofA branch but when I call the BofA Wire Dept, they admonish me for even having this case number and tell me that they will not give me any information. At this point ( soon to be 4 months since the ordeal started ), I have no idea when or if my money will be returned. I feel like I've been victimized twice : first by the original perpetrators and now by BofA. They have no right to hold onto my money. If I could just get some indication that the process for returning the money is unblock, and maybe an estimated timeline, I would could relax and wait. The stress of this ordeal is starting to effect my health.
Consumer complaint received 2020-10-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd. (ID)

There is a woman who calls me over and over leaves threating messages that she is going to locate me, call my employer ( which they did ), has contacted my family and friends telling them these same threats. I get multiple calls a day from XXXX & XXXX. THE XXXX phone number never tells me where shes from just that she is location services. The XXXX number wont tell me who they are either and tell me the person calling from the XXXX phone number is the XXXX county clerk and I have verified that they arent. The XXXX number wont tell me who they are or provide me with any written documentation. I called an attorney office who contacted both numbers and they said it was a scam and to report them.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

I have contacted XXXX on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. and lastly 15 U.S.C 6802 ( b ) Opt-Out I was never given the option to opt out and not report to my credit with out pressure
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC (TX)

I was brought to my attention I have a lawsuit filed against me. I started receiving letters in the mail about representing me from a debt collection. I looked it up on court cases searches and there was a case filed. I have emailed company three times now requesting the below and copied the court house.

1. For what do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for this, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred as well as original contracts between you, whom ever else, and myself.

2. Please provide a valid basis for the debt, such as the original contract between me and creditor. Tell me the date the debt became delinquent and the date the last payment was made.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Does your agency have a debt collection license in Texas? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why.

6. Additionally Please disclose all information regarding this lawsuit and all communications regarding this. Including legal evidence that you own and can legally collect whatever is being alleged. 

I requested this information so that I can make an informed decision on whether this could be something legit or if perhaps missed/mishandled/ miscommunicated. I will need your response to make that decision on whats going on and how to move forward with this matter. 

Please treat this as being in dispute. I look forward to your response. Thank you for your cooperation. 

I emailed on the following dates : XX/XX/24, XX/XX/24, and XX/XX/24. ugh I Llc has not responded to my communications. Additionally They are not on my credit report and I have checked all three. I am at a loss and need help. This should be illegal and against the law if it is not.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted XXXX on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

The mortgage service company Bayview Loan Servicing LLC that currently services my mortgage has and is collecting more escrow each month than is necessary. They also have an excess balance in my escrow account that they should refund to us. This issue began with a reduction in our property tax of {$3700.00}. On XXXX XXXX, I sent a letter to Bayview with a copy of the tax bill ( attached ) showing the reduced payment of {$3700.00}, but Bayview had already paid the full amount of the tax {$7400.00}. In addition to the refund Bayview did not decrease the amount of the monthly escrow impound, which added to the excess in our escrow account. 

On XXXX XXXX we received a form letter from Bayview that they received our inquiry and that we would receive a reply. On XXXX XXXX The Town of XXXX refunded the tax overpayment of {$3700.00} to Bayview. On XXXX XXXX at XXXX I called Bayview and spoke to a rep named XXXX . XXXX informed my that Bayview had still not posted the tax refund to our account, but that she would order an escrow anylysis. On XXXX XXXX we received a check for {$2600.00} from Bayview indicating it was an overage refund, but there was no further explanation. On XXXX XXXX I called Bayview and and spoke to another representative and asked for a copy of the escrow analysis, which we finally received on XXXX XXXX dated XXXX/XXXX/15. 

The escrow analysis which is attached does not reflect the refund of {$3700.00} and it assumes a monthly impound rate at the higher monthly tax rate creating an excess of {$6500.00} in the escrow account. I called Bayview again on XXXX XXXX and explained this issue and asked to speak to a supervisor, but got nowhere. I told the rep that unless I received a revised escrow analysis by XXXX XXXX I would report them to the Federal Consumer Financial Protection Bureau. So here we are. 

Bayview should refund the overage in my escrow account of {$6500.00} which represents the tax refund noted above and the overage they have collected from me anticipating a higher property tax. Bavyview should also reduce the monthly escrow impound rate to {$1100.00} per month. Additionally if there 's any opportunity to fine them for keeping my money it should be pursued. I 'm certain that if they are doing this to me ( holding excess escrow ) they are doing the same to others, which is consumer fraud as it appears they are using customer money to finance other activities. Otherwise why make it so difficult for a customer to get resolution of an issue? Lastly I have always been concerned that Bayview identifies itself on the phone as a debt collector, not a mortgage servicer. I would like to understand just what regulatory agency they operate under? 

Bayview
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

Jp Morgan-chase with their " totally free '' checking account, has an overdraft protection policy that is extremely flawed, it boasts about having XXXX of leeway but the moment you go over that they charge you {$36.00} per charge, none of those Charges were over {$36.00}? Too bad have {$200.00} debt, got an {$1.00} XXXX  bill? Oh buddy we are a bank with XXXX of dollars that's gon na be {$36.00} too, you thought it would be less then that because it was basically pocket change? No absolutely not, that {$1.00} is gon na bankrupt us give us money so we can stay afloat.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX XXXX XXXX calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.