davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I was charged a {$35.00} overdraft fee from Bank of America. My account had a hold that was placed three weeks prior, and unbeknownst, an ACH from XXXX XXXX went through. Somehow, the hold disappeared and the ACH charge was allowed to go through, causing my account to be overdrawn even though I had a new account with them that had enough balance to cover it. I called customer service and they refused to refund me the fee. I then spoke with the fraud department and they told me that this was indeed a banking error and in no way my fault. They said they would reverse the charge but they still have not done anything. I called customer service again and they still refuse to reverse the fee. 

The reason why my account had a hold was because of a fraudulent XXXX charge from XX/XX/2021 that Bank of America refuses to credit me. I submitted a complaint with XXXX  and the response from Bank of America was that they would credit me " within 45 days. '' It has been past their timeline and I still do not have my money back. I don't know why they keep stealing from me and I really do not know what else to do. I am about to have a XXXX XXXX over this. BOA is causing my XXXX XXXX to deteriorate. I need them to stop stealing money and return what they took from me. If not, I am afraid I will have to escalate the matter further.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (AZ)

On XXXX/XXXX/2017 at XXXX we received an automated call ( XXXX ) asking for a call back to XXXX. A call back was placed to MRS Associates and I stated to the operator that we have asked multiple times for calls to stop being placed to us. The operator very politely tried to go through our main numbers and stated that our main numbers have been blocked. Because the system does not allow for forwarding to the main number, a narrowing of what number is being used is impossible, as we have several numbers that forward to our main number if not answered.
Consumer complaint received 2021-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc. (TN)

I started business with Grain ( trygrain.com ) on XX/XX/XXXX to try and build my credit where they deposit money into your checking account after paying a {$200.00} deposit. I was accepted for a {$400.00} credit line. However, issues started where I no longer have my XXXX Checking account and the company has no response on updating my checking account so that I can make payments on-time consistently. The issue started on XX/XX/XXXX and I have reached out to them on XXXX XXXX and email at XXXX with no response from email that helped. One instance they reset the ability to add my checking account through their XXXX app, but the connection to the XXXX XXXX continuously failed which keeps resulting in interest fees, late payments, and the possibility of negative marks that will happen around XX/XX/XXXX. 
I'm simply trying to pay off my account with Grain and receive my {$200.00} deposit back, but it seems that everyone, including on their XXXX page, is not having any response from this company to fix a simple issue and have the customer service capacity to resolve issues before they happen to customers.
Consumer complaint received 2017-12-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (FL)

Contacted XXXX XXXX company around XXXX2017 getting more information on the debt they say I owe. According to their records the account is no longer in their system. I then received a letter from The Receivable Management on XXXX XXXX XXXX XXXX, PA XXXX after I requested the debt to be verify. I show they are requesting payment but are not licensed in the state of Florida.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC (IL)

I 've never received any correspondence and any debt validation notice from MIRAMED REVENUE GROUP. I called the number listed on the credit report. Only to be given incorrect information. I request for debt validation as well as proof of date of service for so call medical bills this bill is for. The rep. " XXXX '' informed me that MIRAMED does not have nor provide this information for date of service etc. I inquired how can you bill me if you are not providing me with all the details etc. She informed this is their collection policy etc. I told her to have MIRAMED send me a debt validation letter along with the detail for the date of service they are now attempting to collect for etc. 
She said they will not be able to provide that information that I would need to call my insurance company. Why would I need to call another entity when MIRAMED REVENUE GROUP is the one stating I owe the bill not my insurance company. 
Please have this company stop their bad debt practice. I want this information removed from all credit files XXXX XXXX and XXXX FROM UNDER MY NAME ETC.
Consumer complaint received 2021-02-09
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: BARCLAYS BANK DELAWARE (IL)

This complaint is regarding a charge-back dispute dated XX/XX/XXXX. The dispute is over the purchase of plane tickets valued at XXXX dollars dated XX/XX/XXXX. The dispute record number for this claim with my creditor is XXXX. 

I have included in this complaint : a record of my first email exchange with XXXX customer service, my second email exchange with XXXX customer service. My email exchange with the U. S. Department of Transportation, my second claim letter to my creditor, and the U.S. Department of Transportations original mandate that justifies my claim to a full refund. 

As I argued in my original claim, XXXX canceled my flight due to COVID-19 complications. They initially tried to offer a voucher as a form of reimbursement. After I replied that I was due a full refund and that this refund is mandatory per the Department of Transportations enforcement notice, they requested my account information to transfer my refund. They then promptly cut off all communication with me and did not reply to my emails. 

After originally opening my dispute, both XXXX and my creditor argued that the refund terms were fulfilled and that I was not owed a refund. They claimed that the merchant has a no refund cancelation policy therefore I am not owed anything. This completely ignores the DOT enforcement that I included in my dispute claim. XXXX has also failed to respond to my DOT complaint within the required window of time, indicating they have no intention of interacting with me in good faith as a merchant. Furthermore, my creditor is obligated to credit this amount as it is considered a billing error under USC Title 15, Chapter 41, Subchapter 1 Part D Section 1666 ( b ) ( 3 ). XXXX has announced bankruptcy on XXXX XXXX, XXXX and cancelled their flights for the year XXXX ; they are unable to fulfill their obligations. I made this argument to my creditor, but they have not provided any counter argument to my claim and have simply rejected my dispute a second time with no justifiable grounds beyond the simply cancelation policy that XXXX originally provided.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Fraudulent charges from XXXX was placed an on my Capital One credit card ending # XXXX. I contacted the merchant to get them to remove the charge for a service that I never had access to nor authorized the purchase. They told me over the phone unless I dropped the dispute with my credit card company they could n't reimburse me. The credit card company advised me not to drop the dispute and they would contact the company. 

Capital One contacted me by letter and told me to provide documentation including invoices, receipts, and cancellation. Subsequent to my complaint to XXXX they sent me a cancellation for a service that I never had. I provided that document, the only document that I had which was transmitted by email. 

XXXX " XXXX '' XXXX is a third party billing agency for the XXXX security software which charged my card. Capital One continues to tell me that they ca n't help me with the dispute because I ca n't prove the charge is fraudulent. I have written and submitted two letters which explains all this yet they continue to refuse to investigate my complaint. 

I want Capital One to resolve this fraudulent chard through their own investigation instead of make me do their work for them by insisting the I provide they with documents and information that I do n't have.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NY)

Pursuant to the FTC USC CODE 1681 605 ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

The agency XXXX XXXX has refuted the contrary of the above fair credit reporting act code by publishing inaccurate information on a consumer report. Upon their refusal of updating the consumer report to reflect accurate information and not hearsay. A credit/consumer report is only allowed to reflect information that is considered true beyond a reasonable doubt and for this agency to maintain a balance on a debt that is not owed is their first mistake, secondly to provide inaccurate information on the report itself is in direct violation of the information regarding the rules and bylaws of consumer reports.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advanced Resolution Services Inc. (GA)

I received a letter dated XXXX, I sent in a request for my Consumer Report. I received an email on XX/XX/2021 to resend in the information. I have submitted my request along with my identification several times and to date I still have not received my report ( See attached )
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IN)

WESTERN UNION SENT A LETTER DATED XXXX2017. THE ADDRESS AND NAME TO ME XXXX XXXX XXXX   AND TO XXXX XXXX XXXX STATING CONFUSION.

WESTERN UNION IS IN VIOLATION OF THE DODD-FRAN A CT.

SEE ATTACHED LETTER. REFXXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CA)

I got a car a XXXX XXXX XXXX from a XXXX dealer in XXXX XXXX area in XX/XX/XXXX and the vehicle was the approximate cost of {$12000.00} XXXX XXXX miles on it. XXXX dealer indicated to me that I would have to pay like 10.5 or 11.5 interest-rate when I was told by Wells Fargo gave in my information I just paid off my student loan XXXX {$9000.00} off and I had very little credit and they said they will work with me Wells Fargo and the XXXX dealer. I end up with a 16.99 interest rate I cant pay for it now. I decided just get in the car because a hassle to me and the lady who help me with the loan gave me her fax that she will give me 11.5 I was surprised at this rate I half I told them about it they wrote me a letter stated this is the rate they gave me I said no I feel that you are racially profiled me and you discriminate against me and you lied, Wells Fargo. So I voluntarily told him then have the car cause I couldnt pay for it and the repairs at XXXX miles. They wanted me to sign a piece of paper that I will voluntarily give them the card. And I decided not to sign the paper when I got the information back it was so many fees die oh more for the car that I paid into the car. I believe this is a scam by Wells Fargo the predatorily lead against me with this car they try to help me out to give me two missed a couple payments is XXXX a month and its crazy Im on XXXX to and I dont know what to do? They will be charging me on XX/XX/XXXX XX/XX/XXXX I have to pay for three XXXX with late charges XXXX continues from the day I decided to give up the car so the current balance is XXXX XXXX delinquents charge XXXX collection repossession fees will be {$470.00} then another describe miscellaneous fee {$45.00} and the reason we procession amount of this is due XXXX XXXX then it says contactContact payment due XXXX delinquents charge it at XXXX collection fees again for {$470.00} insurance nothing another miscellaneous fee is XXXX then it says amount due at the date of notice will be XX/XX/XXXX XXXX. XXXX additional then they said every day when I have to car I will be charged all these fees until the car is sold not tell me this is not a gimmick. This is Wells Fargo plan to sell property yesterday told me this is Wells Fargo dealer service. My name is XXXX XXXX XXXX XXXX.My cell number is XXXX my address is XXXX I did my best to try to work this situation out with Wells Fargo this company is a joke I dont like how they treated me and I dont like how they harassed me and Im very serious how they treated me as a customer so can you please help me with the situation.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I submitted a fraud case to Capitol One after my card was charged without my knowledge for ~ {$9000.00} in XXXX. They have returned only automated messages dismissing my claim, despite forged signatures from the company. 

Merchant : XXXX XXXX XXXX These charges were made without my knowledge or consent. 

I got into a cab in XXXX. The person running it said it would be {$50.00} USD by card, which was {$1000.00} pesos. He showed me the screen on his device, which read XXXX pesos. I gave him my card. He then scanned it, and then scanned it multiple times on other devices while saying the internet was bad. This resulted in four charges which maxed out my credit card with four charges ( USD ). 

Shortly after I received a notice from Capitol One saying my credit card may have been used fraudulently, at which point I confirmed and deactivated my card. I then reported the fraud case and was reimbursed temporarily. Since then, Capitol One has said the company has refuted my charges and they are reinstating them. The document provided in the refutation has obviously forged signatures. I never consented or was aware of any of these charges, and Capitol One has done nothing to actually follow up on this case.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I paid my two months mortgage amount of {$3300.00} ( XXXX 2020 ) and {$3300.00} ( XX/XX/ 2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/ 2020. 

My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
Consumer complaint received 2015-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

I revived a voice mail saying it is an attempt to collect a debt and she left her name XXXX. They called under XXXX number but left a different number to call back.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

This pertains to a cashout refinance loan for a primary residence with Wells Fargo. This is also related to a prior CFPB complaint ( from Q1 XXXX ) against Wells Fargo on this loan. Although some fees were waived from that complaint, I still incurred several excessive fees as a result of the issues that were arose. The loan was closed at the end of XXXX with Wells Fargo holding ~ $ XXXX in escrow as renovation work had started on the property. Wells Fargo requires the property to be in habitable form in order to close and agreed to an escrow holdback until the renovation work was completed including a final inspection to determine if the property is habitable. The final inspection occurred and was also provided to Wells Fargo last Friday, XXXX XXXX. Wells Fargo still has not provided a copy of the final inspection/appraisal report to me as is required and did not follow up on the release of the escrow until I did this week. Neither the appraisal nor the escrow has been provided to me.

Contrary to what was represented to me during numerous  conversations and correspondence throughout the loan process, Wells Fargo is now requiring that a copy of a paid in full invoice to the contractor be provided before releasing my funds. This requirement pertains only to construction loans, NOT cashout refinance loans for a primary residence. When I questioned this request ( paid in full invoice to the contracto ) prior to and at the closing table, I was told by Wells Fargo that " this is our [ Wells Fargo 's ] standard escrow form for everything, we [ Wells Fargo ] ca n't make any changes to the form, and only the habitable requirement upon satisfaction of the final inspection is needed to release the escrow funds. '' A satisfactory final inspection was completed and submitted to Wells Fargo last Friday, XXXX XXXX. Now, Wells Fargo is requiring a paid in full invoice and categorizing this loan as a construction loan. This is misleading as all of the documentation, including the loan estimate, closing disclosure, and final closing documents clearly state this loan is a cashout refinance on a primary residence. I have paid nearly eight months of interest on $ XXXX being held in escrow and now Wells Fargo is prolonging its release costing me additional interest and lost potential revenue ( as I could be holding this money in an interest bearing account, etc. ).
Consumer complaint received 2017-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Commonwealth Financial Systems, Inc. (FL)

Ask the caller for their name, company , street address, telephone number, and if their state licenses debt collector '' and their professional license number. Refuse to answer questions.I also refuse to discuss any debt until I received a written " validation notice. 

I then researched company to find out their license has been revoked/voided in the State of Florida. Attached you will find documentation.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (TN)

I have attempted numerous times to get this company to send me notification of debt with detailed list of fees. So I know exactly what I am paying and why. They flat out refuse to send any notification. But have put on my credit report twice I am past due but never have they send any late notices to me at my address. I thought it was a law against collecting debt that notice was never sent out on I may be mistaken. I have attempted again this week for the 3rd time to send a letter with a small payment to please send detailed statement of charges owed. They tell me to visit a local branch but the branch is not competent they are the ones who stopping sending notifications in the first place. This company is retaliating against me because I have filed several complaints against them. I think they are refusing to comply out of retaliation. All I want is a detailed billing statement a copy of my original loan documents. And any associated paper work. So I can pay what they claim I owe. I can not pay anything I do not have paperwork for it makes no sense why they will not comply with my request. I filed 2 complaints with Better Business Bureau they will not attempt to assist me any further. Because my complaint is duplicate. Also in addition they have put the same information twice on my credit report within one month. I am filing paperwork with all three credit bureaus on that. But if you can please help me with this request. I do not know who to go to at this point. This company is fraudulent they say I started a loan with them this year, but this loan has been going for years. I have canceled copies of checks to prove that as well.