davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

My mortgage company Ditech in XXXX of XXXX put us on a loan modification and after making 1st payment stopped calling us and would not answer any of our calls .When we finally got ahold of Ditech they told us not to make any more payments which we thought was very strange. Several months later started to get electronicly signed documents from a lawyer firm called XXXX XXXX XXXX XXXX. Turns out that they have been in many mortgage scams on there sight .My Attorney who we believe was involved as well as our Trustee seemed to be covering up something .Around XXXX we got issued forclosure papers and documents from there lawyers XXXX asking for certain documents when returning papers for a loan modification.My wife and I started to do some research and discovered some very discriminating evidence of fraudulent activity on some documents we had found involving a merger between banks that we had on our mortgage .Turns out that we actually had the deed book along with a mortgage assignment that has some very suspicious material on them. I was not sure why I would of been sent the deed so did some research and found out that everhome mortgage company had paid our house off in XXXX in a settlement agreement. When the merger took place which has XXXX different copies showing different times and dates then I have in the original cover page of deed ..there lawyers XXXX XXXX XXXX sent us papers that they were gon na have sheriff sale on house on XXXX XXXX XXXX. My wife and I believe that we were scared by our mortgage company and that my lawyer and trustee covered it up for the banks involved cause they kept me in a bankruptcy that I should have never been in cause I was transferred our home in XXXX before I was even in forclosure..we believe our rights have been violated by our mortgage company and there XXXXDitech XXXX as well as my lawyer and trustee. We now have found out that XXXX has eliminated my accounts hiding the transfer of said property.Ditech who is the latest company wo n't answer callsome and looks like they are trying to take our home away from us. We are hoping that someone will investigate this matter as time is of the essence please help us save our home of XXXX years.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Hello, I have made several attempts to verify debt on my current XXXX credit report by National Credit systems and they have continually been non responsive and have failed to provide verification of debt they are stating I owe. I have sent several letters to the creditor since XXXX and I have not received any response from none of the letters. I have also sent multiple communication to XXXX disputing the debt and it came back " verified '' according to XXXX but the creditor is refusing to send me written notification of the debt, verification that the debt is mine.
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MD)

This company, " Credence Resource Management '' has continued to call and demand I provide personal information, like my social security number and address, and when I refuse, they indicate I have to or they will take legal action. I do n't know who they are or what they are calling about. I have repeatedly asked to be removed from their call list and I keep getting calls. 

When I was recently on vacation, they called my phone so many times, that it defeated by " Do Not Disturb '' feature as my phone thought it must be an emergency. 

They will not identify themselves, what they are calling about or what company they are calling on behalf of. 

When I finally blocked the number on my cell phone, they just started calling from a new number.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (GA)

TD Bank is holding transactions that has posted, in the account several days pass the posted date ; then when it shows posted in your account it is two to three days past that the transaction was still showing pending in the account. TD Bank rigged my online viewing so that I can only print 1 page of activities at a time. In trying to print activities for the past week it would only let me print 1 page of the week ( only what is showing on the screen ). When I tried to call TD Bank to discuss this issue, they claimed that I needed to put in a pass code, but still they did not have a passcode hint for me to recall if I had such. In the pass they have access my account via voice recognition and this time they claimed I needed a pass code. Then they claimed the system locked them out because I did not know the passcode. They stated that I needed to go into the branch to get unlocked ; but I am not locked out I can still access the online service, but they claimed they was locked out because I did not have a pass code. They continues to place fraudulent transactions on my account. As I stated to them on many occasions, if there is a NSF charge, it needs to state NSF and not something that does not associate with me, such as the Debit Card authorization that is showing in the attachment. I did not do any authorization on my debit card in the amount of {$35.00} and that needs to be refunded. Their actions will cause other transactions to not clear.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a certified letter to Trans Union on XXXX/XXXX/16 in reference to XXXX XXXX XXXX placing a derogatory mark on my credit report. I requested proof barring my signature from the original creditor from when I opened this installment loan and if those documents could not be provided/verified in a timely matter that account should be removed from my credit report ... Trans union sent no such documents but that derogatory mark still remains on my credit report..
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Over the last week, I have been unable to access the bill pay part of my account. I have tried to contact the bank through : Chat, email and phone. I have received no response to my chat messages nor the emails, and the wait time on the phone has exceeded two hours. I need to change/cancel my bill pay reoccurring payments.
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NC)

I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address. 

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.
Consumer complaint received 2016-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

A rental eviction was paid XX/XX/2013 into the XXXX County Courts in XXXX, GA. The landlord received money from the courts for the same amount collection agency is trying to collect for old landlord on. Collection agency knowingly and fraudulently knew they could n't collect on this account since tenant has no contract with this agency and landlord already been paid by the courts. Collection agency been told that had no right to collect.
Consumer complaint received 2016-01-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX vs Bank of America XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX [ XXXX ] Complaint charge description : on the date of XXXX XXXX 2016. I XXXX XXXX, was willfully and intentionally discriminated against, based on the color of my skin. To which, led to the denial of banking services at Bank of America, located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. 
I went to the bank to cash a check for XXXX XXXX and XXXX dollars. That was written out as pay to the order of [ CASH ]. I endorsed the back of the check and provided my drivers license number. And put my thumb print on the front of the check. Then handed it to the bank cashier. Whom took a very long time doing XXXX knows what ... on her computer screen. then, she stepped away momentarily to speak with someone. She came back! And stated that.. she will not be able to cash the check. So, I ask ... and why are n't you able to cash the check. 
The Bank claim and her statement was : that the reason for them unable to assist me, was because they were not able to verify the authorizing signing party on the check. Which was XXXX XXXX, XXXX of the account holder name on the account. 

[ XXXX ] Complaint charge description : I left and went to a different branch shortly after leaving there. upon arriving at the Bank of America located at : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I waited in line ... then, I was called to the counter. I was asked the most unusual thing by the clerk, before she would assist me. I was told to remove my sunglasses. And after I did! she then begin to help me. I ask her what was the reason for me removing my sunglasses.. she stated that it the bank policy that sunglasses are not allowed to be worn inside the bank. And I witness their own security guard wearing a hat and sunglasses inside of the bank. I said this is the first I 've heard of this ... furthermore, the cash the check and I left the bank. 

the statement herein give by XXXX XXXX ; is the truth, as it happened on this XXXX day of XXXX 2016.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (MD)

Using Wise ( Transferwise ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my XXXX XXXX card. Normally, I transfer funds to XXXX from my XXXX XXXX  account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that XXXX charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party XXXX for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and XXXX ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but XXXX indicated they would credit my account for the fees. 

I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether XXXX decided on their own to modify the transaction in order to collect fees.
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo continues to allow credit/debit card purchases to go through, despite my opting out of overdraft protection. These were not automatic charges and no other debit hit my account aside from debit card charges. I have just paid XXXX in fees due to this. Also, my wife recently made a deposit at the drive up, and as she was, the bank teller, using the intercom, told her the account was overdrawn. My wife is not on my account. This was a violation of my privacy. Not to mention all others in line can hear as well.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a complaint to CFPB about Bank of America and the response I got from them had nothing to do with what my complaint was about. So I am submitting a new complaint in the hopes that this time B of A will address my complaint. On XXXX XXXX I deposited a cashiers check for {$7500.00} in my checking account. When I asked the teller when the check would clear she said it would CLEAR the next day. I went back the next day and took {$4500.00} out of the account on the information that the teller had given me that the check would have CLEARED by then. On XXXX XXXX the bank informed me that the cashiers check was fake and that they are holding me responsible for the money spent. It was never explained to me that even though I was told that the check had cleared that there could still be a problem with the check. That it could take days for it to actually clear. I should not be held responsible for the money that was lost on the fake check. This is the bank teller 's fault for not explaining the process to me and for telling me that the check had cleared and allowing me to withdraw money on it.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NH)

When I was pregnant, I had insurance from the state. They charged me fees that should have been included with the insurance that I had. This has been going on for years and I tried to explain that I do not owe and they insist on still charging me. I asked them about the debt and they sent it to an address that I did not live at anymore and they told me that it was sufficient enough. I told them that I haven't lived at the address for years. I also asked them if I could show the insurance dates because I had proof and they did not want to see it. So I am reaching out to you because I need help with this ( CFPB ).
Consumer complaint received 2017-01-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not yet caused to be recorded the Trustee 's Deed resulting from the Trustee 's Sale at public auction on Friday, XXXX XXXX, XXXX at XXXX. 


Also, as this account is a Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) home loan account, Bank of America must provide a monthly installment statement with payment coupon until the XXXX Deed of Trust has been sold or transferred. To date, I have not received a monthly installment statement in XXXX XXXX for XXXX XXXX as required. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MO)

I signed up for the American Express Platinum card a few months ago after seeing their advertisement that states that they would give out XXXX Membership Rewards ( MR ) points ( equivalent to {$1000.00} cash ) to anyone who spends {$3000.00} on the card in the first 3 months. I spent over {$3000.00} and was awarded the XXXX MR points. A few days ago, I logged into my account and the points had been removed. American Express has sited " Returns '' as a reason for removing people 's XXXX MR points. You can see in the attached statement, however, that I had never had any returns on my card and I spent {$3400.00}, well over the {$3000.00} requirement.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (NC)

I have a Amazon Card through Synchrony Financial. I had a {$700.00} credit limit. I made my monthly payments until I could n't in XXXX of 2016. A rep from synchrony called me in XXXX of 2016 and we set up a repayment plan for six months so I could get my card back on track. Every Month through the six months the payment was a little more than the last. Well come to the end of the six months my account is still delinquent and closed. The rep told me that when I finished with the XXXX payments my account would be current, the late fees would stop and I would start making the usual monthly payments. I said ok. Well come to the end of the six months I talked to someone at Synchrony and they said that I was still {$170.00} behind and they keep putting late charges towards my account and they have closed my account. I told them what the rep told me when we started the repayment and they said that she should n't have said that and that you still have to pay all of this to get your account current. I refuse to pay this due to them telling me that it would all be current after the XXXX payments. I did n't set the amount to pay they did and I did n't set the length of time to make these payments they did. I just want them to make this right.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (NC)

LOST JOB.. LATE 1 MONTH, NEXT MONTH PAID 2 MONTHS PAYMENT PLUS FEES. XXXX INTEREST ON PROMOTION TELL XXXX/XXXX/17. SYNCHRONY BANK SLAPPED {$270.00} WORTH OF FEES ON BILL. LOST JOB WENT ON PROGRAM ... NOW HAVE CASH TO PAY OFF PROMOTION. SYNCHRONY BANK WILL NOT WITH ME AND ARE GETTING READY TO HIT ME WITH DEFERRED INTEREST.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, XXXX account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day XXXX will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XX/XX/XXXXI was denied information from XXXX on a email address they had on file that was not mine. I never had another email withXX/XX/XXXX other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope
Consumer complaint received 2023-03-19
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. (IL)

XX/XX/XXXX I sent my letter. I told the credit bureaus to " investigate every piece of information '' on accounts I listed below. Also I have attached the letter I sent out and here is the tracking Number ( XXXX ) ( XXXX ) ( XXXX XXXX through USPS. 

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. 

Account name/number- XXXX XXXX XXXX XXXX XXXX Account name/number- XXXX XXXX XXXX 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 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( The Creditors ) XXXX XXXX XXXX and XXXX XXXX the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with the company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

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.