davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Cash advance fee — 
Company: WELLS FARGO & COMPANY (VA)

I bank with Wellsfargo and also have a credit card with them. All of my checkings, savings, and credit accounts are linked. XXXX XXXX, 2016, XXXX, sent an unauthorized transfer request for {$1000.00}, resulting in an overdraft of XXXX from my Wellsfargo credit card to my Wellsfargo Checking account. I called immediately when I noticed my account was off. I was told that it would be quicker for me to resolve the issue with XXXX directly. I called them and it was resolved in 2 days. I asked Wellsfargo to reverse the transfer of funds and was told I would need to call the credit department and handle it on my own. When I called WF CC company, I explained the circumstances and the lady " understood '' waived the cash advance overdraft fee and told me I would need to authorize a " payment '' with her to return the funds. I later found that it should have been a credit reversal. When I received my XXXX or XXXX statement, I found I had been receiving a cash advance fee charge since XXXX or so. At this time, there are 3-4 months of cash advance charges on my credit card. I called because my transactions are the same as always so I knew something was wrong. I found out thr charges stemmed from the original XXXX transaction so I asked how to resolve. I am sure they can go back through call logs to see that I 've spoken with about XXXX people who all assured me it could be resolved. In short, I was last told to contact Wellsfargo Checking and follow-up on my initial claim. I did so and was told it was as simple as a form and that I 'd hear back in 10 days, which I did by letter. Unfortunately, the letter only reiterated what I already knew. Because I resolved the issue on my own, as prompted by the representative from WF Checking, my issue indicates a simple debit and credit in the amounts of {$980.00} and {$1000.00}. This does n't resolve my issue and no one from WF Checking or Credit Card seems to really understand and want to resolve the issue. I am beyond tired of following up on and this and attempting resolution. I 've also filed a complaint against WF Checking as I feel both company areas have failed me miserably. I may not be rich and I may " get by with a little extra left '' but it 's still my money and I still deserve to be treated just as well as any well to do client. I am tired of calling and following up and getting the same results. Everyone seems to understand the issue but who has the power to rectify it. I just need this issue resolved and closed. However, I will say this, I do not allow anyone to defraud me without repercussions. I will follow this process through and if it need be, get my local media involved as well. I 've been bounced to so many people, I just need to speak with someone who can resolve the cash advance issues on my account.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Due to circumstances and being unemployed I was unable to make my mortgage payments. I am now working and would like for Ocwen to reinstate my loan ... but I can not get any help..I am constantly transferred to XXXX, an XXXX hitting deadend at every step ..Ocwen have not been helpful .Please help me do not let XXXX take my home without negotiating in good faith.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLOBAL PAYMENTS DIRECT INC. (CA)

On XX/XX/2022, I received mails forwarded from my old address XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX to my current address XXXXXXXX XXXX XXXX, XXXX, CA XXXX from Global Payment Checks Services attempting to collect a debt of {$500.00} made on XX/XX/2022 and another {$500.00} on XX/XX/2022 at XXXX XXXX XXXX in XXXX, CA due to both linked to my " frozen account '' ending in XXXX. 

I was recently a victim of identity theft- for which I have already filed two separate CFPB complaints against XXXX XXXX XXXX XXXX for the XXXX  account # XXXX ( CFPB ID XXXX ) and the XXXX account # XXXX ( CFPB ID ID XXXX ). I also filed police reports on both of these incidents. 

In both of these incidents, XXXX has responded confirming that the impersonator was indeed allowed to make withdrawals from my accounts using my stolen driver 's license ( that still has a valid date ). XXXX has refunded my funds for both instances. 

I have attempted to called Global Payments Check Services multiple times explaining that I am a victim of identity theft and these transactions were made on my account ending in XXXX, which I froze myself to prevent further unauthorized withdrawals/transactions. However, Global Payments Check Services did not seem to believe me. On XX/XX/2022, I have submitted to them my declaration of fraud and supporting documents.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (FL)

Vague message recieved threatening legal action if the call wasn`t returned at th end of the same busineess day. Again, no specifics mentioned. Later determined the co. was a debt collection agency after researching the phone no. on the internet.
Consumer complaint received 2016-09-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Services Collections, Inc (TX)

On XX/XX/2016 I filed a dispute with credit reporting agencies after noticing a debt from Account Services was placed in collections on my credit report. They did not attempt to notify me of any attempts to llect a debt, my roghts to dispute, or why they are attempting to collect a debt.
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

OCWEN IS ILLEGALLY DUAL TRACKING US We are in the middle of trying to get a Home Loan Modification with Ocwen ( Exhibit B/Mod Package ). 
Our loan modification package is due today and was sent in today, XXXX/XXXX/16. Our 'new ' relationship manager has us scheduled for a phone call XXXX/XXXX/16 to discuss the modification and is aware our XX/XX/XXXX bank statement will not be available until XXXX. We were assured the XX/XX/XXXX date will not affect us being reviewed for a modification - the date would be extended and NO other action will be taken until after the XX/XX/XXXX review. 
HOWEVER - we just got a notice DATED XXXX XXXX from Ocwen saying we are in FORECLOSURE!!! ( Exhibit A/letter saying we are in foreclosure ) THIS is ILLEGAL! THIS IS DUAL-TRACKING! 
I can not even begin to tell you how XXXX the XXXX XXXX notice We JUST RECEIVED is. 
Our hardship ( laid off and having a XXXX ) is being made worse with this threat of foreclosure.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (IL)

XX/XX/XXXX XXXX deposited XXXX into my PayPal account for PUA. PayPal then limited my account asking for documents to verify myself. I sent in all requested documents. PayPal then proceeds to close my account and lock my money inside. They told me they will release it in 180 days. Six months from now! Thats not right! Its illegal to hold someones money that long. They have been doing this to thousands of customers. How are they still getting away with this? Is there anything we can do??
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (TX)

I entered into installment agreement with Speedy Cash Loan last XX/XX/ 2018, and was paying. I tried to reach and called them many times in order to notify for wanting to re- adjust my payments after I paid {$1.00}, XXXX out of {$700.00} I loaned from them. After many attempts of calling Speedy Cash, I was instructed by their Agents, to call different and several telephone numbers. After all my attempts to communicate in assisting me restructure my installment loan were always in vain and were declined by all Speedy Cashs representatives. When I would called, no one wants to help me in re- structuring my loan. After Speedy Cash uncooperatively responding in solving my willingness to repay or re-structure my installment loan. Speedy Cash have shared my personal information to third parties name XXXX XXXX XXXX XXXX XXXX. The consequences of Speedy Cash acts were invasive for my privacy, as disclosing my personal informations, as well reporting to XXXX, XXXX and XXXX ; Credit Bureaus Agencies in which compromised my credit scores, without addressing my problems on restructuring in order to resolve these issues with me personally before sharing my informations, as consequences of Speedy Cashs false pretenses of the real story. After these incidents, Speedy Cash repeatedly calling at unreasonable hours, as violation of Fair debt Collection Act ( FDCPA ), as abusive  debt collection practices.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My mortgage account with XXXX has been PAID IN FULL and closed. XXXX letters confirming payment IN FULL have been issued by XXXX, which have been sent to the credit bureaus by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to the credit bureau XXXX. 
TransUnion is reporting as follows in regards to the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
XXXX party that denied credit told me by telephone that the report from the XXXX could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at TransUnion recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires the Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I tried to deposit a paper check into my account via mobile deposit. I was told that I did not qualify for the feature of mobile deposit because I had an NSF after being double charged by a different institution. In effect, they denied me the ability to deposit money because I did not have enough money. The checking account is designed for people who travel extensively, which I do for work. They have in effect XXXX a key feature that makes the account viable.
Consumer complaint received 2022-02-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX {$9600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (NM)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX and XXXX ( the Scammers ) DBA : XXXX XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing XXXX services.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION (MD)

I refinanced loan without understanding what kind of mortgage it was and the settlement company which rip off me is already out of business, they told me they will reduce my mortgage and convince me to get this loan, at that I was struggling with my mortgage so I refinanced the loan and it was in 2005 and mortgage company was bankunited. I got {$370000.00} loan from the mortgage company and maturity date was XXXX and now I am still with the company and still have loan of {$360000.00} and maturity date is XXXX, I am not understanding why I am paying so much interest for same house and why my principal is not lowered in 11 years, please help me get this answer, I contacted them so many times but I did not get any specific answer, please help me out.
Consumer complaint received 2016-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

Please see complaint [ Case number : XXXX ] as this is in addition to the previous case. Ditech has now confirmed that we did indeed payoff our loan. They have yet to return escrow funds and mortgage release. 
They have placed a negative incident on my credit report with XXXX, stating that my XX/XX/XXXX payment was 31-60 days delinquent. Since they received full payment for mortgage payoff on XXXX XXXX ( check cleared ) they had no right to give negative incident.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (IN)

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2019-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CO)

I am submitting a complaint against flagship credit acceptance since our issues can not be resolved over the phone. 
1. Company hangs up phone calls, forwarding calls to automated services. Company is never available for the correct department, threatens and ask for my husbands military career commanders name in the military to report.

2. The biggest issue we have had since we opened the loan as a refinance in XX/XX/XXXX is the company only provided four months of billing statements to our home. The bills sent were incomplete, online bills were incomplete, missing amounts in the bill, blank. In XXXX, I contacted the company to report no bills coming to our home, however the company was rude, refusing me information, after POA was sent while my husband XXXX. The company told me not to pay, till the history of payments was sent. I then found mistakes, total principal added XXXX in the principal column, however the loan amount due only reduced by XXXX. The extra money was hidden in interest not claimed. The company continued to tell me not to pay, to prove each payment, taking thirty days to access old records from our previous bank we closed out. My husband was contacted while XXXX with information asked on commander and name of company. Threaten to reposes the car, and report him to his commander. The company denied telling me to prove the payments once I had the documents needed, taking all late payments in full interest. We have payed a total of XXXX on the already backwards loan, with only XXXX going to the loan in two years. 

3. The loan is backwards due to failed SCRA benefits from the original company XXXX XXXX XXXX in XXXX my husband joined military with the loan start in XXXX. During basic they took full interest for non payments, continued the interest at XXXX % taking a full XXXX in interest putting XXXX on the principle then XXXX down on the car, having us pay XXXX to the first company XXXX to the second company, XXXX total on the XXXX dollar car, with XXXX still owed on the loan. 

4. The loan is so upside down, I reached out to the first company, witch gave back XXXX. However I feel like they owed more, since they denied my husband SCRA not giving back all the interest. I feel the company now has taken over XXXX % interest, mislead me by telling me not to pay, then threaten, taking full interest. All we would like to do, is get the loan to a reasonable interest rate, possible the value of the car being XXXX XXXX XXXX XXXX XXXX XXXX XXXX, worth XXXX. 

This is a lot, I have all supporting documents, please let me know if you can help us, as we feel overwhelmed after we will pay close to XXXX on the XXXX still left on the loan for the vehicle after already paying XXXX. 

Thank you, XXXX and XXXX XXXX
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to XXXX and XXXX ( and probably XXXX, but I did n't obtain that report ) for at least 12 months- XXXX of XXXX through XXXX of XXXX. While payments of {$0.00} a month were reported on the credit reports, the balance continued to mysteriously shrink by {$50.00} a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Bank of America 's negligence negatively affected my credit. I also doubt they reported any payments after XXXX of XXXX, and do n't know if they reported that the account was since settled, paid, and closed out.