davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Loan Servicing Complaint - Loan Servicing Mismanaged Excess Escrow Due To Incorrect Escrow Calculations Excess Deferred Payment Balance Due To Incorrect Balance Calculations Refusal To Correct These Calculation Errors Multiple Attempts To Bully And Coerce Me Into One Of Their Other Loan Programs Loan Particulars Wells Fargo Bank is the mortgagee on a loan with a balance of approximately {$270000.00}, secured by residence my at XXXX XXXX XXXX, XXXX XXXX VA XXXX. Wells Fargo is also the escrow agent for real estate taxes and hazard insurance associated with the property. 
The loan was originated XX/XX/XXXX. Loan payments were suspended under the CoVid 19 Relief and Omnibus Spending Bill beginning with the XX/XX/XXXX payment. 
Every payment required on this loan has been paid in full, on time. 

Real Estate Tax Relief - County of XXXX The combined effects of the Covid economy, personal injury requiring extended hospitalization and rehabilitation, reduced my income such that I was granted real estate tax relief for calendar years XXXX, XXXX, and XXXX ( upon certification of eligibility before XXXX XX/XX/XXXX ). 
In accordance, the County made the following refunds to Wells Fargo as the escrow agent : Calendar Tax Year XXXX Refunded {$5000.00} on XXXX XX/XX/XXXX Refunded of {$5300.00} on XXXX XX/XX/XXXX Calendar Tax Year XXXX Refunded {$5100.00} on XXXX XXXX Implications of Real Estate Tax Relief Tax relief has resulted in an excess escrow balance, an overstated suspended payments balance, and an incorrect calculation of payments due. 

Refusal To Cooperate Bank Denied My Request For New Escrow Analysis. 
Instead the bank tried to bully and coerce me into another of their financial programs. 

Refusal to Refund Escrow Overage Pursuant to the Regulation X 1024.17 ( f ) 2 In the case of escrow surpluses the escrow agent must refund them in 30 days. 
The bank claims the loan is delinquent. The loan has never been delinquent. Suspended payments are not delinquent payments. Suspension was granted by law.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NH)

On XX/XX/XXXX : Synchrony Bank and myself came to an agreement for me to pay {$1700.00} due on XX/XX/XXXX as a debt settlement. I submitted the amount of {$1700.00} on XX/XX/XXXX at WalMart in XXXX, Massachusetts. I obtained a bank check through my credit union. The women working at WalMart was having trouble entering the payment and had to call her manager for help. After waiting a long time, the manager stated that it was all set. On XX/XX/XXXX, I received a letter from Synchrony Bank stating that the above amount was not paid on XX/XX/XXXX and therefore they were going to report me as bad debt to the credit reporting agencies. I immediately called my bank whom issued me the check. The bank XXXX stated that Synchrony Bank tried to charged them twice for the amount of {$1700.00} and my bank cancelled one of the checks, and the other check was cashed by Synchrony Bank for  the amount of {$1700.00}. I called Synchrony Bank and they stated that I did not pay them, and my balance was {$5000.00}. I sent them the documentation, and they finally sent me a letter stating that my account was settled. Then on XX/XX/XXXX I received a court order to appear in court. The document stated that the last payment I made to Synchrony Bank was on {$1700.00} on XX/XX/XXXX ( which was the agreed settlement amount and date ) and that I owed {$5000.00}. I called the collection agency right away which was called Law Offices XXXX XXXX XXXX, XXXX and I spoke to XXXX XXXX, rep. She had me send the documentation over to her. After she reviewed it, she told me I was all set and I did not need to go to court. She also stated that her client, Synchrony Bank made an error and everything is all set. 
It has been almost 4 years, and Synchrony Bank is still showing on my credit report through all the agencies as closed but with a balance of {$5000.00} and as bad debt. I tried to call them and all the representative stated that my balance is XXXX and they do not know why the credit agencies have this balance shown. I also disputed it with Experian which stated that the account is closed, but the balance still shows. Recently on XX/XX/XXXX my credit score went down 100 points due to the card. 
I tried to refinance my mortgage so I can pay a lower monthly payment and pay it off sooner. I spoke to XXXX XXXX and they stated that they can not give me a loan due to my credit score which is now XXXX. They stated it is because of Synchrony Bank showing that I have balance of {$5000.00} and it says charged off as bad debt. I explained to the story, and they stated that until that says balance XXXX or is taking off my credit report I can not get a loan. I also spoke to my bank who still can not believe that I am still dealing with this. 
I have spent hours of the telephone, sent letters, faxed papers. I really do not know what to do next. I am praying you can help me.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

Someone have stolen my identity. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX. Someone stole my identity and opened up this account. I have never had this account. Transworld Systems and XXXX XXXX are reporting to the major credit bureaus a debt that is not mine. They are reporting to XXXX, XXXX XXXX and XXXX. I have never had an account with them.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (CA)

I satisfied my debt on XX/XX/XXXX.  The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed.  This has prevented me from obtaining title insurance and prevented me from selling my home.My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien cannot be removed.I contacted the law office on XX/XX/XXXX and informed me of the problem.  They told me to have the title company send them a "demand in escrow" which they did immediately.  The law office never responded to this demand.  I have contacted the law office numerous times but they will not respond to any of my e-mails.  I finally received a response on XX/XX/XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates.  I reported the lawyer to the  California State Bar for misconduct and I sent a copy of the complaint to the lawyer.  I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date.  This is holding up the sale of my home and I have now lost the pending sale.  My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property.  California law requires the lien to be removed within 15 days of the debt being paid off.
Consumer complaint received 2020-08-24
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. (TX)

Equifax has not changed my credit score in 3 years. Ive received credit cards paid on new car and none of this is reflective on my credit report. Ive informed them of this and they told me its not their fault that creditors arent reporting positive credit, which is not true. However, they can report negative credit on my report but are refusing to put positive reports.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX, I bought a bed through XXXX XXXX  with Synchrony Bank credit card. Because the bed was {$7000.00}, and the credit card had a XXXX limit my credit card score decreased. Through the past year I have made all my payments on time and the balance has gone done. As the balance has gone done my credit score has slowly raised as congruent with the Debt to Credit Limit factor. In XX/XX/XXXX, Synchrony Bank decided to decrease my credit limit on the cards which has a direct effect of my Debt to Credit Limit for my credit score. This will directly effect my score and lower it even though I have made payments on time and am not behind. This is unfair and hurts consumers. Synchrony will not do anything about it even though they say they are in compliance with the law. This part of the law is hurting people.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXXn since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I'm writing to you according to my Discover bank card that was opened on XXXX XXXX, 2020. I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XX/XX/2020.I could not contact cfpb because I did not know about its existence and that they can help me here.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (NJ)

I was getting my unemployment from NJ state though their prepaid card service Money Network. 
On XX/XX/2022 {$4800.00} was withdrawn from my Money Network account without my knowledge or approval to an unknown 3rd party. I learned of this transaction on XX/XX/2022 and proceeded to immediately contact Money Network to alert them to this unknown transaction. As per Money Network 's request, I submitted a written dispute on XX/XX/2022. On XX/XX/2022, Money Network rejected my dispute and said " ... no error occurred ... '' regarding this transaction. I appealed this finding upon receipt of the written letter, and my dispute was again rejected by saying " ... no error occurred ... ''. I have attempted upon multiple occasions to reach out to Money Network representatives by phone. The phone number on the Money Network Dispute rejection letter, XXXX, is a non-functional number. On XXXX separate occasions I contacted an alternative phone number for Money Network and I was disconnected due to an issue with the Money Network Phone system. None of these money network representatives attempted to reach out to me after the call was unintentionally disconnected by the money Network system. 
I state ; On XX/XX/2022, {$4800.00} appears to have been withdrawn from my Money Network account without my knowledge or approval. This withdrawal was facilitated by Money Network without my knowledge. The money appears to have been transferred to an individual unknown to me ; XXXX XXXX ( routing number XXXX, bank account number XXXX ). I have never interacted with any person named XXXX XXXX, nor do I have any knowledge of a person by this name. I have not provided any authorization to any XXXX party to use this account whatsoever. I have never made a payment of {$4800.00} to anyone. 
Neither Money Network, nor XXXX where the money were transferred willing to reverse the unauthorized transactions. 
XXXX appreciate if you take an action and help me out on my case. 
My reference case number with Money Network is XXXX.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I sent XXXX Litecoins from my XXXX XXXX XXXX to My Coinbase wallet on XX/XX/XXXX ... I sent the coins to my wallet using the same address that was given when I sent Litecoins from my Coinbase wallet to my XXXX XXXX XXXX ... It is now XX/XX/XXXX over 80 days and my Litecoins have still NOT appeared in My Coinbase wallet.. 
I have made Numerous emails and Call to Coinbase customer support and they keep saying My ticket is in line with a specialist ... PLEASE HELP ...
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo collections department on XX/XX/20 XXXX @ XXXX to attempt to settle a balance owed on my XXXX card . The current balance is {$360.00} on an account that had an original credit line of {$100.00}, 360 % greater than the original line of credit! This was due to an outdated mailing address they had on file, which they continued to mail statements and accrue multiple late fees, without my knowledge of owing them. Prior to this, I paid all balances on time. 

I was routed to an offshore representative that stated that they can offer a 60 % settlement. I asked for a written settlement agreement, which he declined and advised he could only provide AFTER agreement to enter into settlement. I asked to speak to an on shore representative ( XXXX employee id # XXXX ), which stated she could not accept less than 60 % of the balance outstanding, I asked to be transferred to a manager ( XXXX XXXX ) who refused to settle, despite explaining what occurred and the call was ended. 

This predatory behavior WellsFargo operates under, continues to negatively impact my ability to obtain credit, despite my good intention to resolve.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I requested a charge back to my credit card. The charges totaled {$14000.00} for services that were never completed and that were falsely represented by XXXX XXXX XXXX. 

I hired this company and paid through a merchant account named XXXX and have spoke to them as well. They informed me they were aware that this company owned by XXXX XXXX was recently in court practicing law without a license and has had serious criminal history regarding violent offenses and illegal check fraud. 

The services I hired him for were never completed, and not of legal authority by XXXX XXXX. The services were a fraudulent " debt remedy '' process that I soon found out from XXXX XXXX ( the district attorney at the Colorado Supreme Court who found him guilty ) that they are not legally sound practices, nor are they going to be able to " remedy '' my debt as they had claimed. 

I have provided Chase Bank with all supporting documents from XXXX XXXX XXXX showing what I had paid for as well as proof of communication from XXXX XXXX stating that he was going to provide a refund. This refund never happened and he is now on the run and hiding from the FBI. I also provided them with multiple documents from the Colorado Supreme Court proving that this happened to me and several other victims of XXXX XXXX XXXX. 

OnXX/XX/XXXX, I received a letter from Chase Bank stating that they found the charge to be valid and that they would not be able to issue a charge back for the fraudulent services that I was lied to and deceived into. 

On XX/XX/XXXX, I went and spoke to an associate at a local Chase Bank branch and explained to him my situation. He initiated another claim and helped me submit all supporting documentation and told me that it should be more than enough information. 

On XX/XX/XXXX, I spoke to the disputes department at Chase Bank and was told that my case was still under review. 

It is now XX/XX/XXXX, six months after I initiated this second dispute, and it still has not been resolved.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NC)

On XX/XX/2021, I initiated an international money transfer for a sum of US {$6000.00} from my XXXX  XXXX XXXX checking account to my XXXX  Savings account in XXXX held at XXXX XXXX XXXX XXXX, XXXX, XXXX using a service offered by Remitly. The funds were scheduled to be deposited into my XXXX account by XX/XX/2021. On XX/XX/2021, I did get a message from Remitly that there was an issue with the transfer. I was asked to log into my Remitly account, which I did. There was nothing actionable in the account. I was busy all day on Friday, XX/XX/2021 and wanted to call Remitly to resolve the issue in the evening after work. 

On XX/XX/2021, in the evening, I received a message from Remitly that my destination bank account was successfully updated to XXXX XXXX  and that the funds were deposited into that account. To be clear - I do not have an account at XXXX XXXX. The final leg of this transaction was fraudulent. I frantically called Remitly on Friday and informed them. I have been calling them daily this week - but do not have much from them. They keep saying that it is being investigated ... and that they are emailing the XXXX XXXX requesting the money to be returned. I am not sure what my next steps are here. I will be heading to XXXX  XXXX XXXX tomorrow and will let them know that this happened.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NY)

Barclays called me to make a payment on my account. The minimal amount was XXXX dollars. I paid XXXX dollars. While I was on the phone with Barclays I saw online my credit card statement was being altered making the minimal to XXXX .Then Barclays charges me XXXX dollars for not making this minimal payment. In addition, Barclays lowers all of my credit lines on all three accounts preventing me form making additional purchases. One account were opened on XX/XX/XXXX with a credit line of XXXX, XXXX dollars. on account ending in XXXX. Barclays lowers to XXXX, XXXX. The second account was opened on XX/XX/XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. Third account opened in XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. This was done to punish me for doing business with them all these years. This was done all at the same time. Barclays charges fees at will. The most shameful part of this whole experience is that Barclays have been doing this to other clients and to their own employees. These employees have told me that they are afraid to speak up for fear of losing their jobs. They go on to say '' We have seen our colleagues purposely change our clients credit card statements just to make them pay more. '' If they like you. They leave you alone. If they don't like you, they punish you.. Lowering these credit lines has maxed out these cards and thus lowering my credit score. As these employees have said. : '' Barclays plays games with our clients credit card statements. You are not the only one who has been hurt by Barclays!!!. '' Please keep in mind that Barclays has been sued before on this. Barclays refuses to correct the credit damage they have caused., Barclays has preventing me to seek additional credit with other creditors because of Barclays negative remarks on my credit file. Barclays has also taken away the benefits associated with these accounts, Barclays refuses to give you bonus points on the purchases I made. Barclays destroyed my Jet Blue Account on account XXXX by taking away my skyway miles and preventing me to purchase air line tickets.,
Consumer complaint received 2022-12-02
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: OPORTUN FINANCIAL CORPORATION (IL)

I sent the complaint and supporting documents to this CFPB via U.S. Post Office on XX/XX/2022. I have tracking information for that mail indicating it came to this office.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Mr. Cooper is saying chase is at fault, and XXXX  is saying Mr Cooper is at fault. This morning I woke to a XXXX $ Checking account balance taken from my account, 7 withdrawals of 2752.45 each. Overdrawn my account and didnt take any of my calls to correct this issue, calling the number took me to an automated service and then transferred me to customer service which stated because of Covid they can not take my call with the high call volume and hung up. I called numerous times and same results. I dont have automatic payments setup nor did I approve these charges. I had to pay 30 $ to stop payments to from XXXX  and was not able to purchase food or gas or anything because of this today.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax requires formal quality standards that include transfer counts and validity of transfers of consumers. 
Today I was carelessly transferred back into the queue by 2 agents. 
One of those transfers was at the request for a supervisor ( because of my 1st erroneous transfer ). 
Ist call @ XXXX XXXX - was provided the incorrect internal phone number to the XXXX department 2nd call @ XXXX XXXX - [ Channel ] I was transferred back to the queue 3rd call @ XXXX XXXX - [ Lord or Lawd ] - requested a supervisor and was transferred back to the queue 4th call @ XXXX XXXX - connected with a Supervisor and created an internal consumer complaint. 

Unacceptable that 2 agents transferred me without providing any support or assistance. 

CFPB please monitor reports and " trasfer '' metrics to ensure agency does not have a culture of transferring. 
Both agents who trasnferred me did it without telling me I was being transferred and one even asked me to hold a moment prior to transferring me. 

Equifax please conduct necessary training to ensure consumers are supported and establish a no tolerance for a transfer culture.