davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (VA)

On XX/XX/XXXX I went online to this loan company and took out a {$500.00} loan. I started making my payments on time until I had to close the account I was using to make the payments. I contacted Bigpictureloans to let them know that I was no longer using the account and wanted to use another checking account with a different bank. I was informed that they would have to do a 3rd party call with the bank to verify that the account was open and how long it has been opened. We made the call to my bank several times but the bank refused to take to Bigpictureloans while being on the phone with me. so they told me to use my debit card or credit card to make my payment, in which I did but my bank denied it because they were using a third party transaction company out of the XXXX and my bank told me they blocked it because of potential scam being that its in the XXXX. I notified Bigpictureloans about this and they instructed me to start mailing in my payments by money orders. I had 3 payments remaining until my account was paid in full, the payments that I made by money order was posted on the website as current up to XX/XX/XXXX. On XX/XX/XXXX I mailed in a money order for XXXX on the XXXX which they should have received it on the Friday the XX/XX/XXXX like the other mailed in payment, so now my account in past due and they are saying they have not received the payment and it would take up to 7 to 10 business days to post ( the other mailed in payments didn't ) and I called them on XX/XX/XXXX to see why and then that's when they told me about the 7 to 10 days. In the meantime, I checked on the website and it said I had to pay XXXX to bring my account current, in which I mailed it on XX/XX/XXXX. Now they are saying they haven't received that money as well. I have been calling to speak to someone about this and they keep telling me not to call but wait for their support team to call me back or I will get an e-mail. I called on Saturday, XX/XX/XXXX. I haven't heard anything from them, each time I called they would put me on long holds, and they would ask me questions to make me say YES, if I didn't say yes they would just sit on the line saying they are viewing my account. I would hold for 10 minutes or so. I called today XX/XX/XXXX and they are still doing the same thing. I have one last payment on XX/XX/XXXX for XXXX but when I talked with them they told me to pay XXXX or XXXX to pay off the loan. I told them, if I pay anything I will pay my last payment agreement of XXXX not the amount I was told. I need to know should I make the last payment or not. I was doing some online investigating and I have discovered that there was a lawsuit with this company here in the state of VA and Bigpictureloans lost because its illegal to charge high interest rates. According to the website, I have paid a total of {$2000.00} in interest and principle amount of {$350.00}
Consumer complaint received 2020-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

In XXXX of 2020 I reached out to Wells Fargo Home Mortgage ( WFHM ) to take advantage of the mortgage forbearance that was available through the CARES Act. I assumed that since I had an FHA loan that was no more than 30 days overdue as of XX/XX/XXXX, occupying the home, and eventually willing to go back on schedule on repayments ... that my mortgage would have been eligible for the FHA Standalone partial claim. 

In XXXX of 2020 I reached out to WFHM to state that I should be able to resume regular mortgage payments. They stated I was not eligible for the standalone partial claim and that I would have to pay back the missed payments in full, over 3-6 months, or go through a loan modification. Obviously not an ideal slate of options. 

The loss mitigation products made available by the government so that WFHM could move the missed payments to the end of the loan period/as a junior lien, should have allowed me to resume my payments with minimal disruption. That is obviously not the case. 

I filed a complaint with WFHM and they sent back a letter stating that because I was ineligible because I was over 30 days past due when I requested the actual forbearance. This makes no sense to me as this would mean WFHM 's criteria is not in line with government guidance, and is instead being used at their sole discretion, excluding what is probably a significant amount of FHA-backed borrowers that took a forbearance as a last resort in the first place. 

Now I'm having to extend my forbearance so I can make double payments on my mortgage in order to keep my credit from being devastated. This erases all benefit from having taken a forbearance and puts me back in financial distress in order to " make my account current ''.
Consumer complaint received 2017-11-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (AL)

XXXX-XXXX 2017, I have sent multiple letters and contacted collection agency via phone, to validate debt showing that I in fact owe them money. I have never had a pay day loan, so when I reached out to them to provide documentation they were very unprofessional with assisting me. 

I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state
Consumer complaint received 2020-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I opened complaints to XXXX  and Equifax regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and Equifax. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and Equifax have deemed to be incorrect.
Consumer complaint received 2017-11-22
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. (NV)

On or around XXXX 2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
Consumer complaint received 2020-01-13
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. (PA)

XXXX XXXX continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and XXXX never validated request and did not comply to request according to FCRA Guidelines.
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC (CA)

XXXX XXXX keeps calling me very early everyday regarding a bill that the statute has expired over ten ( 10 ) years, I currently have a credit score of over XXXX, they keep threatening me with legal action that is not valid, please help me
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

In XXXX or XXXX bought home through XXXX XXXX XXXX. After several years, We refinanced it through Conseco mortgage. Conseco then sold it to Green Tree Mortgage. After several years they sold it to Ditech. The home burned down in XXXX or XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX paid the home off to Ditech in XXXX, XXXX. {$33000.00}. Ditech continued to charge interest and we spent several hours on the phone with them every week. In XX/XX/XXXX, The insurance company issued another check to Ditech. They continue to bill us for back payment and interest, after several more months, Ditech filed bankruptcy but we learned through a customer service agent that they did receive the check ( certified mail ) and cashed it for the {$33000.00}, it is listed somewhere in our account, just never credited. We are now getting bills from XXXX XXXX company. Fast forward to today, we received a certified letter in the mail from a law firm, XXXX XXXX XXXX that they will be doing a substitute trustee sale on XX/XX/XXXX. ( The trustee is Green Tree ), selling the land. Hopefully getting in to see a lawyer his week, if everything opens again.
Consumer complaint received 2020-05-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc (OK)

I spoke with an Loan Originator XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on Wednesday XX/XX/2020 in regards to refinancing my home. I submitted the application immediately. Several days went by of hearing nothing and so I called to verify everything was okay. Was informed everything was received and we should close in three weeks tops. A week went by and I heard nothing again. No email, no letters, no phone calls. I call to speak with him and am informed he has left on maternity leave??? So I ask for my file to be transferred to someone else because I dont want to just keep waiting and am informed that isnt an option. So I wait another week and FINALLY am contacted by XXXX and given a simple spreadsheet of closing costs but not the official Disclosure Statement required by Federal Law. I emailed XXXX on XX/XX/XXXX and requested this Disclosure and now its been 10 days since I requested and not only do I not have my Disclosure but no acknowledgment whatsoever. Again no emails, no letters and no phone calls. Very disappointed in this mortgage lender.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a " temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a " trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.
Consumer complaint received 2017-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NM)

Complaint against Coinbase On XX/XX/XXXX, I attempted to buy {$200.00} worth of XXXX. I pressed confirm buy but nothing happened. I watched, logged out, logged back in later, still no indication my purchase had gone through. So I tried the purchase again. Immediately my purchase showed up on the screen as confirmed. I assumed the initial attempt to buy was unsuccessful. 

Then I noticed that my bank account had been charged for two {$200.00} purchases. I checked my Coinbase account and only one purchase was credited. I called my bank and asked them to reverse the payment for which Id received no credit. They reversed that payment. 

Fully one week later on XX/XX/XXXX the initial purchase, for which I 'd had no confirmation, finally showed up in my Coinbase account. But by then my payment had been reversed. I contacted my bank but they could not reverse the reversal. 

Today, I found that Coinbase took back {$200.00} worth of XXXX out of my account but did it at todays Bitcoin price causing a loss to me. This was a problem caused by a failure of their system. I should not incur a loss because of their error. 

Now my Coinbase account is locked. I ca n't buy or sell. I ca n't set up a new payment system. I 'm totally stuck. 

I 've tried repeatedly to contact Coinbase Customer Support with no success. They have no phone number to call. The email address for customer support no longer accepts messages. I 've repeatedly communicated through their online customer support contact system without success.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo continues to send unsolicited credit card applications to my house in the name of a person who doesn't exist, does not live here, and has never lived here. I know because I am the actual owner and had the house built. I'm the only one who's ever lived here and have nothing to do with Wells Fargo and would never have anything to do with them. I have mailed them letters demanding they stop and the junk mail continues.
Consumer complaint received 2021-04-29
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. (IN)

I've contacted then on multiple occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and they continue to tell me 2 accounts on my profile is legit and was updated. But each time they do not update any information. I have contacted both creditors on the accounts and they tell me they no longer have my information or they can not find my information. So I am trying to figure out how are they getting information from the creditors when I can't get information from then.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX Verified complaints against Wells Fargo Mortgage Re : loan number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX Plaintiff : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX You sent me a letter with a projected loan balance as of XX/XX/XXXX in the principal balance amount being XXXX your court records indicate a different amount being XXXX did you forget to credit my payment made cash paid on XX/XX/XXXX specifically in reliance to the principal deposited at your XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX. In Addition to that amount did your also forget to Credit me for the balance of the monies that your bank kept in escrow from the insurance Company the amount was over XXXX in relevance to Hurricane Wilma during the conception of time on/or after XX/XX/XXXX .more than 11 years ago. 

Did you notify or advised the appropriate authorities knowing that after Hurricane Wilma the insurance company that you contracted under forced placed insurance only disbursed XXXX which is less than half the amount of money that was necessary to repair the accrued damages that occurred on and in my property that exceeded XXXX worth of damages per FEMA estimate of damages consequently involved during the activities you were well aware of. Your actions placed me in a forced position to make a secured loan against my property in the amount of XXXX with the US Small Business Administration to repair damages that your insurance company was responsible to pay for but didnt. 

Further from XXXX to XXXX you have forced placed inflated unlawful hazard insurances On my property and I reserve the right to claim all those charges against you. 
XXXX XXXX XXXX. 
Wells Fargo Forced Placed Hazard Insurance Lawsuit Lenders often require that borrowers purchase hazard insurance on their property to protect creditors from situations in which an uninsured homeowners property is damaged. Most mortgage contacts allow banks to purchase this insurance at the homeowners expense for a fair price. The Wells Fargo forced placed insurance lawsuit was filed on behalf of borrowers who have allegedly been overcharged for homeowners insurance to the hidden financial benefit of the bank and its subsidiaries. hidden financial benefit of the bank and its subsidiaries. 
Further allegations against Wells Fargo include backdating the forced hazard insurance to the date the homeowners policy expired and threatening to retaliate against those who come forward with a lawsuit. Each of these practices is allegedly illegal and may create an unnecessary financial burden on individuals and families who may already be struggling financially. 



I submit this serious active complaint before the authorities involved and notified XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/18 I made a transfer to XXXX XXXX for {$600.00}, address ; XXXX XXXX XXXX XXXX AL XXXX. XXXX # XXXX at Wells Fargo Bank. It was online banking, then I called XXXX XXXX XXXX to let them know about the wire transfer, the employee told the wire will be rejected since I didnt have the wire code for Wells Fargo and I was suggested to redo it, which I did. I couple days later, I checked my account I saw the was sent twice. I riched out to XXXX XXXX XXXXXXXX to find why this was happened. They recalled the second transfer and Wells Fargo said the receiver refused to send the money back because he said he received the money twice Wells Fargo made him pay {$3.00} because of the recall
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AL)

I certified mailed notarized letters to XXXX and XXXX on XX/XX/2020 and XX/XX/2020 disputing and requesting debt verification an validation demanding physical documents with my signature or any legally binding instruments that can prove my connecting to owing the debt placed by Rent Recovery Solutions, LLC. The collection account placed on my credit file was for XXXX XXXX in the amount of {$2400.00}. Rent Recovery Solutions, LLC. verified and validated the collections account with XXXX and XXXX both times without ever providing any of the requested documentation to verify or validate the collection account placed on my credit file.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2020-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

I have opened citi bank checking and savings account on XX/XX/2019 expecting the bonus of XXXX $ + XXXX $ account opening bonus. I have met the bonus criteria and i have been repeatedly told by citi customer care team that I am eligible for bonus and will receive the bonus in 90 days from XX/XX/XXXX. I kept my money in their account in hope of receiving the same. After waiting for more than 90 days from XX/XX/2019, I didnt receive the bonus. So i ended up calling the customer care and opened a dispute case with them. While opening the dispute case also, citi bank representative assured that I will receive the bonus in 20 business days. But today dispute has been finished and they are mentioning that i initially funded my account with " Citi Global transfer '', which I didnt. They coded the initial accoutn opening transfer I have done as Citi global transfer. I didn't had any other citi bank checking account ever in my name.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Hunter Warfield is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. 
In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/2019 with email from leasing staff XXXX XXXX. 
I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/2019 and refused to lease to me. They were supposed to credit back application fee for preferred employer. 
Hunter Warfield is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.