davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 
[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. XXXX ) ] I spoke with XXXX and his XXXX XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 
XXXX also told me they submitted my complaint on XX/XX/XXXX, to the FTC 's XXXX XXXX XXXX developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 
When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 
I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from XXXX XXXX, who is a debt collector as well! 
I am now re-submitting this complaint to XXXX XXXX, XXXX, XXXX and Bank of America and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 
Please note the attached XXXX : The Court should hold that homeowners may bring a wrongful foreclosure action on the basis that the party foreclosing on them lacks the power to foreclose because they do not own the debt, either due to an allegedly void assignment or for any other legally cognizable reason. 
Dated : XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX Attorney General of California XXXX XXXX/XXXX/XXXX Mortgage complaint form On Wednesday, XX/XX/XXXX there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX & XXXX XXXX XXXX supposedly on behalf of XXXX XXXX on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 
You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL. XXXX Discover Bank/Card [ Fraud Department or Billing Inquiries Department ] RE : Account Number XXXX XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$3400.00}, and posted on multiple dates. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
[ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, XXXX XXXX Enclosures :
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I went to deposit {$3000.00} cash, 30 {$100.00} bills the highest amount that is taken by this atm services by XXXX  at the chase location XXXX XXXX XXXX XXXX XXXX FL XXXX on XX/XX/2024 Saturday around XXXX XXXX. The machine took all of the money the screen went black it shut down in the middle of my transaction. It restarted, I did not get a receipt, the money was not in my account the bank was closed. I called the police who transferred me to the non emergency line there was no response. The bank/atm stole my money. I immediately called the number on the atm explained the situation got claim number XXXX. This money was to pay my credit card. I got to the branch Monday am told they are not responsible for the drive thru atm XXXX is. They are doing an investigation and I get a temporary XXXX put in my account. On Tuesday XX/XX/XXXX I get a text that my account is over drafted. I check and call chase Im told only {$1400.00} or some extra was found but not the rest of the $ XXXX. I do not know how they came to this conclusion. I am told over the phone to go to the branch and request a recount I go and Im told again the same thing the branch manager XXXX XXXX Tells me that atm is not serviced by chase we call and they claim they will request the manual recount. I call XXXX XXXX they tell me chase is responsible for that atm and money not them. I ultimately need my money that I deposited into my account back without any further issues. How can chase bank steal $ XXXX from a customer. They are stealing.
Consumer complaint received 2016-12-20
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

To whom it may concern I XXXX received a short settlement from Wells Fargo bank the amount XXXX dollars.They gave me 45 days to pay it. I paid the amount and over the amount. With in the 45 days. I paid XXXX dollars over the amount I ask for my refund amount back and Wells Fargo refuse to pay me my refund back I tried many times to get my refund back but they refused. Please help me get my money back from Wells Fargo and XXXX. Acct # XXXX case # XXXX My phone XXXX MY email XXXX MY address XXXX FL XXXX.I also put in a complaint in with XXXX # XXXX Wells Fargo and XXXX also refused to answer XXXX.
Consumer complaint received 2024-02-12
Product: Mortgage — VA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (TX)

For the past two years I have been making my mortgage payments to Wells Fargo Home Mortgage. These payments have been made after a modification to my loan during a forbearance for COVID relief. 
My payments have been made since XX/XX/2021. I have been trying to refinance my mortgage. I have had issues qualifying because my payments are not being reported to the credit bureau. Because my payments are not being reported I have had a deficient score that has disqualified my efforts. My credit score is showing my mortgage in forbearance.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (NY)

Third party collector from PayPal has been harassing me, my family members and friends. Discussing my personal finances and disclosing my personal sensitive information. Not considering the time of day, they contact me via mobile non stop, from different phone numbers. This is abuse and harassment. While picking up my kids from school, they harassed me, threatened me with legal actions while the kids were listening to this, after advising them of them listening and telling that I would call them back. Now my kids are scared and even asked me if Im in danger. The lady was rude, disrespectful, and very belligerent. Also, on XX/XX/year> they called my mother after hours and disclosed my personal information. Even after telling them that Im in a financial hardship and working towards remediation the situation.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (IA)

I am a victim of identity theft and someone stole my personal information and used my personal information and identity to open an unauthorized and fraudulent credit card account with XXXX. I have never applied for a credit card with XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midland Funding LLC representatives in regards to the credit card account and the debt on the account. The credit card account do not belong to me.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (NM)

Upon crypto.com app update, I have been unable to log in. The verification phone number associated with the account is no longer available to me. There has been only the very generic response, after weeks of delays. Up to this date, no one has provided any assistance or instructions on how to verify my identity to recover access.
Consumer complaint received 2016-11-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

My mortgage with HSBC was sold to XXXX and HSBC has reported that I have balances for defered interest and lender advances which I am not aware of. XXXX has said I have contact HSBC now HSBC is saying they sent all the info to XXXX. All want is a detailed in simple language who HSBC paid dates and amounts so I can check my bank records, because I pay Taxes and insurance myself.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

I am a victim of wire fraud at the hands of Citi online banking. My checking account was hacked into on XX/XX/XXXX at XXXX. I was alerted to the activity on my account via email, and was on the phone with Citi fraud department by XXXX reporting the incidents as they were taking place. The hacker changed my password, added themselves as a wire transfer recipient and then wired two transactions- one for {$1800.00} and one for {$1400.00}, completely emptying my checking account. The representative assured me it would be fine, and that it was out of my hands and he would " do his job ''. I called Citi for an update on XX/XX/XXXX and was only then given a reference number and told to fill out and fax a wire fraud affidavit for both transfers. I filled them out and faxed the notarized affidavits to the Incident Reporting Unit on XX/XX/XXXX. I called on XX/XX/XXXXXXXX  looking for an update on my case. I called once and was rudely hung up on by a representative claiming she can only give an update to the authorized account holder ( which is ME ) after I had gone through the security protocols with her and verified my identity already. I called a second time and was put on hold multiple times. I gave them my information and reference case numbers and was transfered. The representative stated that they were not able to get my money back from the account of the person who had stolen it. He said that it was now no longer a Citibank problem, and that if I want to get my money back I would need to take legal action against the hacker on my own. I began asking questions like " How should I go about that? Who will pay for the legal fees if Citibank allowed all of my money to be stolen? How do I even know who I am taking legal action against? '' He responded with " We tried our best to get it back '' and then proceeded to HANG UP ON ME. I am still sitting here in shock and disbelief at how unprofessional I have been treated by Citibank. I plan to take legal action against Citibank to get my money back.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank is changing policy to charge monthly a {$1.00} to get my Lowes credit card bill. I require a paper copy and find it unfair that my billing statement has to be now paid for to pay them. I use these as reminders that my bill is due not to miss a payments or have them tack on a late fee. I find this unfair practice to enforce their policy to the consumer. If we owe them hem a payment they have their obligation to send the bill and not charge us to get more money.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Asset Acceptance bought a supposed old debt of mine that is way past the 7 years from date of last activity/payment. They continue to report this debt to XXXX that they purchased from XXXX Bank in clear violation of the FCRA. I have disputed with XXXX and it always comes back " verified ''. When I inquire with XXXX " what method they used to verify '' they do not respond. This is another clear violation of the FCRA by XXXX. I am ready to file litigation against Asset Acceptance and XXXX if this account is not removed right away. I will also file complaints with the XXXX, State Attorney General and anyone else that will assist me in righting this wrong.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XXXX, a string of unauthorized purchases started occurring on my Paypal account. I noticed when the first one came, called Paypal and explained I was not doing it. They said " they'd put a stop '' and prevent further charges. Three more purchases came through. All was digital currency through their platform. I have never purchased digital currency- much less through Paypal XXXX The Paypal rep suggested I change passwords and helped me to file a dispute that he said would cover the issue ( it did not ). 

I worked with PayPal over several days and ultimately called my bank on the XXXX XXXX XXXXXXXX and explained the situation as well as PayPal was evasive and not helpful. They could not tell me how or why the charges occurred or why it was not an " unauthorized transaction '', despite the fact that I have never utilized any type of cryptocurrency. The bank agreed with me, sided with me, and put a stop to the charges. 

I had to change my account numbers- which means new debit cards and about 10 websites to correct. This took dozens of hours. 

I then attempted every method possible to work out things properly with PayPal through their website, telephone, XXXX, and XXXX. ( attached are some of the dispute numbers ). 

PayPal reported around {$3200.00} was taken. Since they were taking it from my bank account directly, I was able to stop it. I stopped about half of this and immediately withdrew what I could ( a check for {$200.00} or so ) from PayPal. PayPal froze about XXXX in crypto funds, which I allowed to be absorbed into the account. The account balance is negative about {$1700.00}. I still have the paper check for {$200.00} or so- which is theirs- but I do not wish to send it to them without verifying what is happening. 

In the end- I have the money that PayPal withdrew without my consent so my physical bank is not negative. 

PayPal is claiming that I owe them $ XXXX which I DO NOT. The company refuses to honor the " unauthorized transactions '' policy. I've spoken with them over the phone and sent signature required paperwork several times ( tracking numbers are available ). They are talking about taking the money to collections. If they take it to collections, I will take them to small claims court. This is beyond ridiculous. I will not rest until this balance is deleted. I do not care if I ever use the account again at this point. I was a customer since XXXX and the fact that they have treated me this way is beyond confusing. 

I want the negative balance gone from the account. It is not my balance, it was directly reported at unauthorized that very day.
Consumer complaint received 2024-02-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NY)

Got vanilla gift card as a gift for XXXX with a XXXX balance. 
Called XXXX XXXX XXXX. The number on back of my card. Gave required information to activate said card. Was told that card is now activated. Checked balance following day and balance was XXXX. Looked at pamphlet and noticed the phone numbers did not match. Called number on pamphlet and reported my XXXX balance and was given a case number. XXXX. 
I have not received any money yet and the case number is useless on the website
Consumer complaint received 2024-02-07
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (MO)

On XX/XX/24 I tried to withdraw funds from my Direct Express debit card. The ATM machine would not allow me to withdraw any funds. I came home and dialed the XXXX #, entered my card number and the system said the card was invalid. I entered my social security number and waited 1hr 45 minutes. I called several times on Friday, Saturday and Sunday waiting hours and no one ever picked up. On XX/XX/24, I went to the SS office. The representative called Direct Express and told me that someone would call me from Direct Express within four hours. I received the call and was asked the card number of my most recent card, the representative stated that the card was invalid and informed me a new card processed XX/XX/24 sent to address in Florida. The representative gave me a balance which did not include the amount in my account before XX/XX/24. The amount was what was just deposited, which should have been double the amount. Meaning someone went into my account and took all of my money. I have a card that is invalid. They asked me if I wanted my card expedited within 2 days and told me that they would charge me {$17.00} for this. So, on XX/XX/24, I went again to the SS office to give them the full information on what has happened. They were not able to help me. XX/XX/24 mail arrived and no card. I have to borrow funds to pay my rent. I do not have a balance for my account. And I would like to know who has fraudulently used my Direct Express card, where is the rest of my money? My representative, XXXX XXXX, has called the Federal Reserve Board to get assistance. I want my money and a new card! I have changed my address
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc. (IL)

My general problem is that my mortgage was sold without my consent to a different mortgage company ( Mr. Cooper ). I am dissatisfied with the service provided by this new company, but I can't just change to a different company. My only choice is to re-finance with a new company and incur the costs associated with that transaction along with a potentially much higher interest rate. Also, there's no guarantee that my newly refinanced mortgage wouldn't simply be sold right back to the same company I'm dissatisfied with. 

This leaves all the power in the hands of giant financial institutions and leaves consumers like me with no choices at all. Most home owners in the US are just like me and my husband : we have one mortgage on our primary place of residence. This represents our largest single investment. Yet we have zero choice once closing documents are signed as to what company will continue to service our mortgage. 

Average consumers should have more control over who services their mortgage than faceless corporations we've never heard of who provide poor service.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NY)

I had a credit card of U.S.Bank. Last XXXX ( XXXX ) I found out that someone using my card information and I reported my fraud case and asked closing my account as soon as i found it. But after 6months, I still a blance mail from us bank and found out my crdit score is degraded. I called us bank and they told me that they just pending my fraud case and not processing my request so that's why I still got the blance mail and degraded credit score. I want to solve this issue and get back my original credit score Please help me get back my original credit asap
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$6100.00} XX/XX/year> 15 U.S.C , 1681section 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.