davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (PA)

I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I got a call from someone who claimed herself as FBI officer and she told me my ID was being abused by someone doing drug trafficking and money laundering. Also, my ID and SSN have been used for multiple bank accounts and in order to differentiate my accounts and the imposter 's, I need to transfer all the money in my account to another account she appointed. I initially thought it was a fraud so I hanged up the call but soon later someone called from XXXX and claimed himself as the police officer and told me that was real and I must follow the instructions. I XXXX the number calling from and it does belong to the government agency. Therefore, I wired the money out. Later they asked me to liquid my stock portfolio and wire more money to them, I realized I have encountered a fraud.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a personal letter to XXXX XXXX and Transunion in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX
Consumer complaint received 2021-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo is applying our excess payments to the next month 's mortgage payment instead of paying down principle. This practice ensures they receive the interest and escrow payments, and shorts my attempt to pay the mortgage off early. 

I've contacted them repeatedly by email and phone, to request all additional funds to be applied to my outstanding principle. Looking at our account history online, it is very difficult to determine how funds were applied following Wells Fargo 's numerous corrections. 

I do not have a record of all communications, but my last interaction was messaging via the Wells Fargo website on XX/XX/2020. I was assured the problems were permanently corrected. However, looking at the transaction history for my XX/XX/2020 payment, there are three entries, this is how the funds were applied ... again : Amount Submitted : {$4400.00} Actual Monthly Mortgage Pmt : XXXX Amount to be applied to outstanding principle : XXXX Actual distribution : Principle ( XX/XX/XXXX ) : {$1000.00} Interest ( XX/XX/XXXX : XXXX Escrow ( XX/XX/XXXX ). XXXX Principle ( XX/XX/XXXX ) : XXXX Interest ( XX/XX/XXXX ) : XXXX Escrow ( XX/XX/XXXX ) : XXXX Outstanding principle : XXXX Expected Principle Reduction : {$3200.00} Actual Principle Reduction : XXXX Difference : XXXX We prioritize paying off our greatest debt early in order to free up that money for retirement, and we have been diligent in doing so. Wells Fargo 's misapplication of the funds ensures their revenue stream at our expense. Effectively they are penalizing us for early repayment. 

I will submit a copy of my most recent communication if needed.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TN)

I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (NJ)

I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX and XXXX was made with the proper clauses and provisions based on banking law in the amount of XXXX and XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Best Egg on XXXX. They accepted my instrument but did not credit my account correctly I did call and spoke with recording will be attached and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2021-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Or the last two months I have been harassed by the mortgage company to make payments I have already made. And I have giving them proof by proviso the pictures of the front and back of the check they have cashed or deposited. These copies were provided to me by my bank. And they continue to Harris me daily. Monthly. To make a payment. Several times a week. Monthly Im calling and trying to fix the problem. I provide proof and they continue to harass me. 
This is a va loan. They know if they show proof that Im not making my payments then they can still get their money. Kick me out of my house and resell my house. Im done being harassed to make a payment that I can prove. Have proved. That Ive made
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (RI)

Tried to have a fraud alert removed online with Equifax. You have to call or mail them to have the fraud alert removed. When you call there is no option to have the fraud alert remove. I called multiple times to speak with a representative and unable to get through to a representative. The next step I took was to write Equifax to have fraud alert removed. I provided the required documentation. They wrote me back about extended the fraud alert when I explicitly told them to terminate the fraud alert effective immediately.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (MD)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

My account was closed on XXXX XXXX, 2017. Ive never had a NSF withdrawal and have always had funds direct deposited into my account for years. There is no logical reason other then a computer glitch to have my account closed, but no one at Chase was willing to help.
Consumer complaint received 2021-09-11
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. (PA)

I have been receiving calls from XXXX XXXX XXXX XXXX XXXX stating that if I did not return a call that I would be served with a complaint and sued. I called the number a guy said that he was collecting a debt from Bank XXXX from XXXX and that the last payment activity was XXXX. I said no that is was incorrect. Please to stop calling me and they have continued to call and now a new collection account has been placed on my Transunion credit report in the amount of {$570.00}. I disputed it with Transunion. No other credit bureau is reporting this. 


I have heard from other victims all over the country who are dealing with the same issue.
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (TX)

Please cease calls to my aunts number she has a medical problem and already has had an XXXX XXXX  she let me know that a XXXX was very rude to her please am aware that am late on my payment am trying my best to get back on track with the company
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On the XXXX of XXXX XXXX at around XXXX i noticed that i misplaced my wallet along side with my XXXX XXXX XXXX, so, i called my number but the person who took it refused to pick up, so i sent a text which i knew pretty much that he can only be read but he cant reply because of the security code on it, but surprisingly he responded, so i pleaded with whom ever is involved to returned my stuffs back with the promise of paying him or her any ammount he/she needs, he greed to take {$300.00}, but i pleaded to the extent of {$50.00}, which he agreed, so he concluded to meet me up at XXXX XXXX on XXXX XXXX, when i drove down there, i couldnt find no one, and i cant call because i was using a XXXX account which uses wifi, so after waiting for some time, i decided to go home back, on my getting home to get an internet coverage, i received his message saying i should get my wallet and phone at a clothing and shoe donation can at XXXX XXXX by XXXX XXXX XXXX, which is 2minutes away from me, on my getting there, i found it, i saw an alert on my phon of {$260.00} which as been deducted from my account with my debit card with XXXX which i do use to send money to XXXX , i called my bank immediatelyto file a claim, and i was been credited, on the same spot i called on the police to file a claim as well, which my claim number is XXXX XXXX XXXX XXXX XXXX. 

my name is XXXX XXXX XXXX.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

After selling my loan to XXXX XXXX, capital one kept losing my loan modification documents or asking to resend banks statements because " it needs more pages '' even though all the pages were marked. Today I was assured that my modification package was received and the foreclosure is on hold. The reason I decided to log this complaint is Capital One is transferring my loan servicing to a new company and I hope the modification process is n't jeopardized.
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (DE)

On the afternoon of XX/XX/20 I opened a crypto app called coinbase to check my account. At that time there was a little over {$2700.00} in the account. I was working nights that week so I decided to take a nap. I woke up around XXXX XXXX and checked my account again only to see that there was only {$1.00} left in my account. I noticed that there was two tranfers out of my account to another crypto wallet. Upon seeing that funds were missing I contacted Customer support, all they have is email correspondence no numbers for live help. Once i sent an email I got an auto response telling me that an account specialist would look into my case and contact me within 4-5 days and that my account would be locked to protect it. That was almost five months ago and after repeated emails I am still in the same place I was in back in XXXX with recurring deposits to the app and no access because it is still locked. After a little research I found various forums on social media where people were pleading to customer support on the companys XXXX and XXXX page. At one point I thought that my account had been hacked and maybe coinbase could get to the bottom of it. But then I realized that the company employs two factor authentication and my phone would have had to have been on for someone to input the one time code and access my email to confirm this unauthorized transfer. I am starting to see a pattern of customers money disappearing, losing access and that access never being restored. I have also tried to contact their CEO XXXX XXXX via social media since hes always posting on XXXX and has a huge presence on his companys page. I sent him a direct message thinking that he would at the very least want to know what was going on in his customer support department but instead he blocked me from sending messages to him. I dont exactly know what is going on with this company but they should be held responsible for their lack of communication and transparency, not to mention they are gaining new customers daily that could go through the same thing. 
Upon request I can provide emails showing no answer from customer support. I can not provide a snapshot of the transfers because they company will not unlock my account.
Consumer complaint received 2018-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XXXX/XXXX/XXXX at around XXXX spoke with XXXX asked him whats the status and he told me that they have received a complete Request for Mortgage Assistance packet and its under review. 

Im just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I obtained a subprime mortgage from WAMU in XXXX that i believe to be fraudulent in the way the financial terms were setup, in addition to the property having and continues to have structural damage because the house was constructed on peat bog causing the foundation to crack and shift. I believe that WAMU colluded with the building inspector to certify the property although the inspector saw evidence of structual damage to the house and the house was not to code but the building inspector greenlighted the property for sale to me. JPMC acquired my mortgage for pennies on the dollar in XXXX from WAMU when WAMU went under from the subprime mortgage crisis, therefore, assuming the problems associated with the property. The property was reassessed by the XXXX of XXXX XXXX WI in XX/XX/XXXX for {$57000.00} from XXXX and the house being condemned if the house is not brought to code. I am in the process of negotiating an agreement with JPMC to write off the loan or reduce the loan to the XX/XX/XXXXassessed value of {$57000.00} but I am not making any progress. Currently no real estate broker will list the property, with these structual damages and my insurance company will not pay for the damage. I am stuck with a loan of {$200000.00} and a second mortgage of {$14000.00} with no relief in sight. I have dicontinued to make payments until this is resolved ruining my credit.
Consumer complaint received 2018-01-06
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: EQUIFAX, INC. (LA)

I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, Equifax has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.