davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I suspect Ocwen Loan Servicing and/or its XXXX lawyers are hacking into my computer and email. Ocwen Loan Servicing has been committing years of fraud against me, many attempts to quietly seize my primary residence that I own free and clear. Ocwen Loan Servicing and its crooked litigation XXXX lawyers used fraud upon the court, using forged fabricated documents and robo-witnesses to intentionally send bribing signals to the judge to win its phony case. After the scums bribed the Judge Ocwen 's litigation lawyers quietly added other orders into the Judgment before the Judge signed it, praying it would stick. My investigators found much more of Owens fraud troubles which will be addressed before the court when I file my new XXXX lawsuit. CFPB is responsible for supervising shady Ocwen Loan Servicing, as its license is currently under a monitor due to Ocwen 's ongoing fraud abuse. My investigators will have its final findings report soon. I pray that CFPB takes my matter serious and send in the feds to Ocwen Loan Servicing headquarters gather all the forged fabricated documents in Ocwen 's possession before they attempt shred it and quietly seize my home again. Attached is just one of Ocwen 's cases that a honest none corrupt Judge refused to seal. Ocwen Loan Servicing and its lawyers are XXXX!
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Other fee — 
Company: Paypal Holdings, Inc (MO)

This is a Paypal Credit issue. 
I have a different balance from XXXX XXXX to XXXX XXXX. 
I have NOT used Paypal credit since XXXX XXXX, 2015. 
I have NOT used Paypal Credit for four business days, yet the overall balance changes from XXXX XXXX to XXXX XXXX, 2015. 

I called Paypal at XXXX and XXXX. 
The responses did not address the balance change. 
It has to be some Hidden Fee. 

Thanks. XXXX XXXX
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. 

The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-16
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. (NJ)

I just received a copy of my credit report from Equifax Credit Bureau. My report shows that they verified that I lived at XXXX XXXX XXXX XXXX NJ. This is correct. They also stated that they verified that I lived at XXXX XXXX XXXX XXXX, N. J. at the same time that I lived at my current address. This was impossible for them to do. They violated the law. No one at XXXX XXXX XXXX XXXX, N. J. stated that I lived there. Also they stated that my previous employer was XXXX XXXX XXXX this is incorrect I never worked this company and no one from this company ever stated that I worked for them. Also a XXXX debt that I disputed they stated that XXXX XXXX on XX/XX/XXXX that this debt was a charge off and XXXX loss the money that was owed on that debt. This was impossible for them to verify because XXXX sent me a XXXX in XX/XX/XXXX for me to claim this debt on my tax return. Again Equifax Credit Bureau has violated the law by putting erroneous information and not reporting the truth, on my credit report.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (KY)

My husband has a Bill me Later/Pay pal account. I went to make a purchase at the end of last year. When I went to pay put I put all of my husband's info like I always do, except this time I accidentally put my last XXXX digits of my social. They opened and account another account up with my husbands name and birthday and my last digits of my social. So we had a completely new account and was not aware of it for 4 months. The bill comes under my husband's name and I never open them I just pay them by phone on the due dates. I got a different letter in the mail saying that we were 3 months behind on our bill, which by the way we have never missed a payment with them in 3 years that we have been customers. I called to find out what was going on and was shocked that they had opened an account with a name their birthday and another person's last XXXX digits of the SSN. I asked them how in the world did they have the right to open the account with wrong and such little information. Now I have a huge min payment and was sent to the credit score people. My husband just told me about the fine that they were charged with. Will there be a class action law suit?
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have called this collection and they are doing nothing about this matter. I never even been to XXXX XXXX. I am not responsible for someone using my information. This is nothing but a fraud account. They think its ok to keep a fraud account on consumer credit when it is not.
Consumer complaint received 2015-04-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I applied with my bank that has repeatedly lied and said no adverse information is reporting as a result of identity theft. I still maintain and have open accounts with Wells Fargo, NO ADVERSE INFORMATION THEY PURPORT XXXX TIMES TO THE CFPB HAVE BEEN REPORTED INTERNALLY OR EXTERNALLY. IF I HAD THE CHANCE I WOULD UPLOAD THE DOCUMENTS, I APPLIED FOR A WELLS PROPEL CARD ONLY TO BE NOTIFIED THAT IT WAS SOLELY REJECTED FOR MISHANDLING OF FORMER ACCOUNTS. I AM XXXX OF IT.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NH)

Complaint to CFPB Regarding Discover Card Account Verification Issues Introduction I am writing to file a complaint against Discover Card regarding their account verification practices. These practices unfairly restrict my ability to access and manage my account. 

Details of the Complaint On XX/XX/2024, Discover Card blocked purchases on my account. To unblock the account, I was informed that a verification code would be sent to my phone number. However, Discover claimed they were unable to send the code because my phone number was ineligible due to their policies. 

My Concerns My concern is that Discover 's policy appears to limit verification code delivery to phone numbers associated with mobile plans from a select group of telephone companies with whom Discover ( or their vendors ) have a contractual relationship. This policy has a discriminatory impact on consumers in several ways : Geographic Discrimination : Consumers residing in areas not serviced by Discover 's preferred phone companies are unfairly disadvantaged. 
Socioeconomic Discrimination : Consumers who can not afford service from Discover 's preferred providers are denied access to their accounts. 
Impact of Discover 's Policy Discover 's practice of regularly blocking purchases and then requiring verification through a limited set of phone number providers creates a significant hardship for many consumers. 

Request for Relief I request that the CFPB investigate Discover 's account verification practices. Specifically, I urge the CFPB to determine if these practices violate : The Fair Credit Billing Act 's ( FCBA ) prohibition on unfair or deceptive acts or practices.

Equal Credit Opportunity Act ( ECOA ) regulations that prevent discrimination based on factors like socioeconomic status or geographic location. 
I also request the CFPB to require Discover to implement more inclusive verification methods that do not discriminate against consumers based on their phone service provider. 

Additional Information I am available to provide any additional information or documentation that may be helpful in your investigation. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

I opened up a complaint ( XXXX ) that was closed based on American Express response XXXX They indicated that I was informed that I was not eligible for the promo offer of XXXX XXXX miles. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. 
I would like a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised XXXX miles. I received the referral and completed the application from the referral I received from American Express. I was then approved very quickly but no mention was made about the possibility of not receiving the miles. I have a credit score of XXXX so how is that they want my business but wont follow thru with the miles they promised? This is very unethical!
Consumer complaint received 2021-11-29
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. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX FL XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2015-06-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (AL)

Collection Agency stated that I attended XXXX XXXX XXXX and owe XXXX for not completing. I never had any need to attend this school. I have a High School XXXX and a XXXX degree that was obtained in XXXX. This is erroneous and frivolous. As well I disputed with all XXXX credit bureaus. Its interesting that some was able to say it was verified as mine! others deleted as it was not able to be verified. Whats going on!
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal Credit Union. After calling Navy Federal Credit Union on an issue related to access to my wife 's access to a shared account, she was logged in at the same time to verify the changes fixed the problem. When she selected " sign out '' from the bank 's secure website, the got an error. When she opened a new browser window, she found that despite telling their system to " sign out, '' she was in fact NOT signed out. So in short, the customer told Navy Federal Credit Union 's system to sign her out, it did not, and it did not tell her that. So if she walked away, the next user could open a window and have access to the account. 

When I mentioned this to the Navy Federal Credit Union IT supervisor to whom I was speaking, they said this was a KNOWN error. I commented that this was a pretty big deal and why haven't they communicated this issue to users so they can protect their accounts accordingly? He said they do not communicate " little '' issues to users.
Consumer complaint received 2020-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

I made my mortgage payment for XXXX on XX/XX/XXXX using a cashier check I deposit on XX/XX/XXXX payment is supposed to post on XX/XX/XXXX at midnight payment has not posted yet. I called U.S Bank to notify them over a twenty minute hold time and it is stating that Im missing a payment which is not true when I made my payment using my checking account information using bill pay through U.S Bank App unacceptable. And unable to reach representative over the phone.
Consumer complaint received 2016-06-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collection Services, Inc. (OK, TX) (OK)

Was contact by collection agency debt was going to collections, I called XXXX on XXXX XXXX, 2016 and paid debt in full. She stated she would notify the collection agency. Did clear the bank without any problems. Noticed on XXXX XXXX, 2016 collection agency had posted negatively on my credit report. Called agency to notify them that the bill had been paid. Response was " too bad, it 's on your credit for 7 years ''. The gentleman on the phone was verbally hateful and stated I had to give them {$600.00}. Asked them to call and verify with original company that debt was paid in full or to give me a fax number as I did not have paperwork with me. Originally, he asked me to fax verification but then refused to give name or fax number. Have placed called to original company.
Consumer complaint received 2016-12-05
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

I have several falsified documents that will corroborate each of my claims. The documents will demonstrate Predatory Lending and Mortgage Fraud. Wells Fargo should also be ashamed by replacing my point of contact from XXXX XXXX to somebody by the name of XXXX XXXX who 's job it was to scare me half to death. He misrepresented his job title and called from an " unknown number. '' He told my son that I better just sell my home. It 's basically another example of deplorable behavior on the part of Wells Fargo. I ca n't understand how a bank can treat the elderly with such disrespect and abuse. I can not even refer to this XXXX XXXX ( Another Wells Fargo Elderly Bully ) as a man. He spoke to me like I was a piece of garbage so I asked him to speak to my son. His act only got worse when my son informed him that he was working this mortgage fraud with the CFPB and the FBI. I can only speak on behalf of XXXX alleged motive to convince me that the CFPB and The FBI are powerless when it comes to protecting citizens against Wells Fargo. Is he eluding to the fact that I 'm XXXX in my attempt at fighting the good fight? Only time will tell if his staments ring true. He laughed out loud and responded " hahaha good luck with that ''. XXXX was told that the phone call was being recorded and still conducted himself as if he could do as he pleased. Wells Fargo used the ole " Be careful what you wish for act '' by assigning this employee as my new point of contact. Obviously, I have complained on more than one occasion in regard to XXXX XXXX deplorable conduct. XXXX XXXX started the laughing routine when she stated " Watch what happens in XXXX. '' She was referring to the pending foreclosure. I can not believe that Wells Fargo laughs and ridicules the elderly by any means possible. Once again, the elusive XXXX XXXX is nowhere to be found. She used her alleged assistant to place two calls stating that XXXX XXXX would be out of the office for the entire week. After consecutive messages on two occasions this prior week from XXXX XXXX assistant, Wells Fargo flexed their muscle. Wells Fargo 's intent is to follow the same pattern of unethical behavior in several other cases. I 've fought XXXX and have other medical problems that have been exacerbated by this entire ordeal. Wells Fargo has demonstrated how they go about using their tremendous power and unlimited resources to scare and, at times, let nature take care of their business with the elderly. Do they understand how frightened senior citizens have become as a result of their deplorable behavior? Obviously one superior court case has led to the death of an elderly gentleman who had the gaul to fight his case against the Well Fargo Fraud Mill. Please see ( attachment ).
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivable Asset Management (AZ)

I received a telephone call from a company identifying as the XXXX XXXX. The contact name was XXXX XXXX. He advised that I owed money on an account with XXXX which I did not recognize. He further advised that if I did not pay immediately he would Institute a warrant for my arrest. I advised that I needed further information on this debt in writing which you refused to provide.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AR)

I called in the beginning of XXXX to ask about getting a payment refunded that Mohela was not supposed to pull because my account was supposed to be in a forbearance. They said they would process the forbearance for XXXX and refund my payment. I never received the refund. I called again to find out why I hadn't received a refund and the lady told me that the forbearance was submitted, but no one had applied it to my account, so they couldn't refund me the money. She said she would resubmit the forbearance and it would take up to 15 days for it to apply to the account. After it is applied, which she said there was no way of me seeing when it gets applied, she said I could call back and request the refund. 

My account is now past due because they still haven't refunded what would equate to 8 months of payments back to me. I feel like this is terrible negligence on their part and it is now affecting my family 's future. I have tried to send in messages, but they are not responded to for months, and all the response says is I have to call, which then requires calls that take no less than 30 minutes to try and find a resolution.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (NY)

XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (MI)

I am a co-signer for a student loan through Wells Fargo Bank. We are having trouble making our payment. The bank is making any effort to " restructure '' the loans impossible. We would like to combine them into XXXX loan with a fixed rate. I do n't know what to do. 
The more I look deeper into this, I 'm realizing we were giving bad information by my sons college / financial department. Steered towards Wells Fargo.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

These inquiries are on my experian credit report and I don't recognize them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MN)

FHA Short sale with Wells Fargo - Submitted to Wells Fargo on XXXX XXXX. On XXXX XXXX the file was declined by Wells Fargo due to seller 's financials. On XXXX XXXX contacted by Wells Fargo that they have reopened the short sale due to seller submitting his 2015 income taxes showing he does have a financial hardship. All documents were submitted to Wells Fargo processor in the time that he requested. During XXXX XXXX to XXXX the processor requested the same documents 4 times and still stated the same documents were needed. I have all emails from processor requesting docs and showing the docs that were submitted. On XXXX we were informed that the file has been removed again from short sale review due to the requested documents not being received. UNACCEPTABLE ALL DOCS WERE RECEIVED AND ALSO SUBMITTED TO THE EXECUTIVE OFFICE TO SUBMIT TO THE PROCESSOR AS REQUESTED. This is now the XXXX complaint with CFPB. There is a sheriff sale date scheduled for XXXX and Wells Fargo declined the file and has not submitted a request to have the sheriff sale date postponed. Someone either the CFPB or Wells Fargo needs to act responsibly and have this resolved. Wells Fargo has concomitant staff working their short sale files. This has now harmed are seller drastically as we were advised by Wells Fargo that the short sale file will need to be resubmitted again. Wells Fargo Executive office is not following through on their end either.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (OH)

On XXXX XXXX, 2016, and XXXX XXXX, 2016 XXXX XXXX, an authorized user of one of my debit cards, as he has done so many times before, went to the XXXX XXXX XXXX ( bought now by XXXX XXXX ) on XXXX XXXX, XXXX XXXX in XXXX, Ohio. It is the closest ATM to us. He made a balance inquiry. No where on the screen is there a statement that a balance inquiry will result in a charge of {$3.00} if you do not have an account at this particular bank. I had {$8.00} in my account on XXXX XXXX and went to spend a little over {$5.00}. Because he did not know there was a {$3.00} charge for checking my account balance, I was overdrawn. It has taken me awhile to figure out what was going on. I would appreciate your interceding with this large financial intermediary and remedying their shadowy, venal behavior. This is another example of a large for profit entity leaching off consumers to, drip by drip, swell their profits. We can not afford to subsidize the bank.