davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

WELLS FARGO BANK MORTGAGES, { CROOKS } This is the XXXX time this year that fraud and perjury has been commited by this bank, and fined by the cfpb, yet no compensation has been passed on to the consumer? i think this is a deliberate act to making the consumer think that justice is being done to wells fargo bank, i request proof and proof of consumer recieved paymants, this bank and ceo XXXX XXXX is a lieying cheeting piece of scum, and should be in jail, the fraudulent mortgage fraud is far more important card and charges? and incured vast amounts of peoples moneys [ STOLEN ] by wells fargo bank [ mortgages ] there has been fraud, perjury, fasifying documants, Theft of moneys, counterfiting, all committed by staff for the banks gain [ greed ] i demand that wells fargo bank mortgages are brought to justice also corrupt [ tickiting ] judge XXXX XXXX whom has passed missery onto familys for his personal greed? bank shareholder, He mocked my XXXX language [ XXXX ] this bank needs to be closed down NOW
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I opened up a Macy 's credit card in XXXX XXXX. I did n't get a bill in XXXX XXXX and called the credit card to talk about the reason and the payment. Through arguments, they agreed to provide an adjustment. At that time i requested the credit card to be closed based on my bad experience. several month later in XXXX i receive a bill from Macy 's of interest on XXXX balance and late fees for the interest that are unexplainable and my credit card was never closed back in XXXX per my requests.
Consumer complaint received 2016-01-11
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc (MA)

I signed up for Paypal where I entered my credit card and expected that card to be debited for all transactions where I selected the Paypal option. 
I was recently contacted by Paypal for an overdue loan through their lending services. I did NOT sign up for a loan of any kind, especially one at 19 % interest when the card I chose to debit was only at 8 %. I do not know how to get this loan canceled and the late fee taken off. This enrages me that I could be signed up for something I did not agree to in any way. There is no form with my signature, nor an application for this loan.
Consumer complaint received 2016-02-05
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

Started XX/XX/XXXX trying to do a modification of the loan. They asked for paperwork which we sent several times because they kept telling they did n't get it and also kept asking for more paperwork. We did this at least 6 times. This went on through XX/XX/XXXX. We kept calling them each to make sure they received the documentation over and over. We never heard from them after XXXX through XX/XX/XXXX. When we finally heard from them again XX/XX/XXXX, they told us we were now in Foreclosure. We have done everything in our power to get this resolved with no help from anyone at Wells Fargo. No one ever returns our phone calls. When my wife finally talked to a representative ( her name is XXXX XXXX - phone # XXXX ) she told my wife that we would have to liquidate ... she did n't explain what that meant or anything. She just hung up. 
I also do not believe the appraiser did an accurate job on the appraisal. There is a basement and I do n't believe he included any of that square footage. 
I have now have a full time job and am no longer self employed. I am working 7 days a week and working lots of overtime to get this remedied. We do not want to lose our home and we are doing everything necessary to keep it. Thank you so much for your time.
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UMB FINANCIAL CORPORATION (IL)

on XX/XX/2016 I ordered a t shirt online from a company called XXXX. I paid {$28.00} with XXXX. About an hour after I ordered I tried to cancel the order. I tried to call the phone number shown on the XXXX transaction history. There was a different number on the companys web page and I called that. Neither line worked. I tried to email them with me response. As far as I was concerned this was not a legitimate business. I went to my bank to file a dispute, since the item was paid for on my debit card through XXXX. They told me I had to go through XXXX. So I did, and after 10 days the case was resolved in my favor. I had to wait those 10 days before the money was refunded to me. The refund was processed on XX/XX/XXXX and credited the full {$28.00} to my XXXX account. I then transferred the funds to my checking account. During this time, several checks were returned for Insuffiecent Funds, due to the waiting period I was made to take during the process. I took all the information to my bank and showed them how it was ruled in my favor. I was asking for those NSF 's to be reversed and my account corrected. They refused to do so, telling me it was not their responsibility. They gave me such a runaround I got very frustrated and did not contact XXXX. But the transaction was paid for using my debit card, so in my opinion it is the banks responsibility to refund those NSF s and straighten my account. My checking account has been in an uproar. ever since that time. I did not know this place existed or I would have filed a complaint against the bank sooner. This bank has given me the runaround several other times on similar matters. On XX/XX/2016 I tried to make an ATM deposit at approx. XXXX to coer what I knew whould be a charge coming through. The ATM was closed. I went back about XXXX and the ATM was still closed. The message on the screen said to go to their other locations. This bank has closed XXXX local locations with in the past year or two. One was just closed a month prior to my experience. The closest AT was in XXXX, IL and I did no t even know where in that town. It was about 15 miles away and I am not that familiar. I took a photo of the ATM screen and then the clock in my car showing what had happened. I deposited the money on the XXXX, but of course it was too late and I had an NSF. I called the bank to explain and get that corrected. I told htem I had the photo. They told me that the ATM being shut down was " out of their control '' and not thier responsibility. It was the responsibility of the company that runs /services the ATM. Then I was told, " If I had a transaction to cover, I would have done everything I could havr to get it done '' telling me it was my fault I did not go to XXXX, IL to that ATM. I do n't know where it is located and anyway it is unreasonable because they recently closed the only branch left near my town of XXXX. So this bank has a history of trying to get out of refunding NSFs. I think they need to be investigated.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I was working for a not for profit XXXX since XX/XX/XXXX. In XX/XX/XXXX I was informed after making phone calls to Navient that some of my student loans did not qualify and I would need to re-consolidate. I have been on IBR since XXXX. When my loans were consolidated in XX/XX/XXXX, they did not put me on an IBR with the information that they already had from my application in XXXX, they put me on an extended service plan. Not until XX/XX/XXXX when I resubmitted by annual IBR did my payments start qualifying. So now I have XXXX sets of student loans ( {$80000.00} ) with 28 qualifying PSLF and XXXX sets of student loans ( totaling {$150000.00} ) with only XXXX qualifying payments. Navient at NO TIME told me that I needed RESUBMIT my IBR which they were well aware that I was already on after my consolidation.
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (CA)

I joined XXXX XXXX as a consultant the first week of XXXX 2016. I charged {$150.00} & {$680.00} on my Discover credit card. About a week and a half after joining they sold the company to XXXX XXXX. I requested they cancel my request and give me a refund. To date I have not received the merchandise or a refund. I disputed the charges with Discover who stated XXXX XXXX provided documentation that XXXX left the merchandise at my front door. I have not received anything and have been trying to get my money back since XXXX without success. Please help
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I had a listing up on XXXX XXXX for a fish tank and a lady messaged me on XX/XX/2022 at around XXXX saying she wanted to buy it. It was {$20.00} and she said that she wanted to use XXXX, which I agreed to since I used it before and had no problems with it. I got an email saying that it was put on hold because she sent it with a business account and I had a personal account so it asked her to send {$250.00} to meet the requirement. I haven't used XXXX much so I thought that it was true and went with it. She sent me the money and afterwards, XXXX emailed me again to refund the money to her. I did and sent her {$250.00}. I got a 3rd email saying that I had to pay a {$300.00} fee and that's when I got suspicious and confronted the lady. She blocked me so I have no way to get her to send me the money and Chase said that they can't because I authorized the payment ( which, I didn't. I tried to send another message saying no but it did nothing. )
Consumer complaint received 2015-12-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo bank is XXXX around with my mortage and they are forcing insurance on me for my home i live which i dont need, I already have insurance through state farm insurance and i am not happy with wells fargo at all trying to focr insurance on me and trying to charge me for it. Not happy at all. Something needs to be done and wells fargo needs to be dealt with. Its like the government trying to XXXX XXXX on me which i dont need. Please fix this XXXX.
Consumer complaint received 2018-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

This company Credit Systems Intl is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (WI)

Receive phone calls on my mobile phone daily. I am usually unable to answer the calls, and there are no voicemessages left, so I am unable to call back. They also called my work, which is unacceptable. I work at a store and am not allowed to receive personal calls, I have never given out my work phone number, and I want them to stop calling my work before I get in trouble with management and my job is in danger.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TN)

National credit adjusters has contacted me regarding a credit card in my name which I have no knowledge of this account nor did I sign anything for this account ... its thru XXXX credit card company for {$830.00}. I never applied for this account ...
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I purchased a brand new car and went with Fifth Third Bank for my auto loan ( this is my third time using them ). Upon recovering my payment information ( LATE ) I asked to change my
due date to the XXXX  or XXXX  of the month. I am already a month ahead on

my payment so this was in no way an attempt to pay late. I was told I can not change my due date without a {$20.00} fee added to my loan. {$20.00} for a small change in a computer is absolutely unreasonable and unethical. Consumer beware! This company likes to nickel and dime over any minor change.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX, XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX : ( XXXX ) XXXX RE : ADDITIONAL CLARITY Please allow me to reintroduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to XXXX in XX/XX/XXXX. XXXX. 

RATIONAL : I HAVE PAID OVER {$530000.00} ON THIS HOME TO SERVICERS ON AN ORIGINAL LOAN OF XXXX. 

AFTER 11 YEARS THE DEBT REMAINS AT {$910000.00}, {$730000.00} CURRENT AND {$150000.00} DEFERRED I HAVE PAID OF AND ADDITIONAL {$100000.00} TO SETTLED THE ORGINAL XXXX XXXX XXXX MORTGAGE. 

THIS IS AFTER A XXXX MODIFICATION IN XX/XX/XXXX THAT HAVE NO RELIEF OR PRINCIPAL REDUCTION. ONE COULD ARGRUE THAT IF A MARKET REPRICING OF THE MORTGAGE HAD OCCURRED IN XX/XX/XXXX THE DBET WOULD HAVE BEEN RETIRED TODAY. 

THE MISREPRESENTATION OF THE ORIGINAL MORTGAGE BY XXXX DID NOT DISCLOSE : THE AMORTIZATION FEATURES THE MODIFICATION WAS DONE UNDER DIREST AND DID NOT DISCLOSE THE PRINCIPAL DEFERAL. 
FOR THE PAST 7 YEARS THE MORTAGE PAYMENTS HAVE BEEN ABOVE THE PRE MODIFICATION. 

IT WAS NOT DISCLOSED IN THE ORIGINAL MORTGAGAE OR MODIFICATION THAT THE PROPERTY TAXES WERE HIGHER THAT THE MORTGAGE. THIS MORTGAGE UNDERWRITING IS UNECONOMIC. 


I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XX/XX/XXXX, after 16 years is higher than it was in XX/XX/XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XX/XX/XXXX to XX/XX/XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Social Finance, Inc. (NY)

Hard inquiry from XXXX XXXX XXXX  XXXXI did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from Sofi about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called XXXX  and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from XXXX  XXXX XXXX I did not request a credit card from them. 

I have placed a credit freeze with all 3 credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open care credit with XXXX XXXXThat is the only recent credit line that i applied for.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (NJ)

Hi, i had an automobile accident at my workplace the day i went to the hospital to get checked. I filed an accident report and also a job report and sent it to the hospital via fax. Any bill associated with the accident should have been resolved through the company and my job. I did my part in filling put all the information and sent it through fax.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc. (GA)

CFPB THIS IS NOT A DUPLICATE ACCOUNT I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUSE OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. 
I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH IS VERY SUSPICIOUS. NONE WERE PAID BUT XXXX, BUT WHEN I SPOKE TO EACH XXXX XXXX  A NUMBER WAS GIVEN WHICH, WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. 

AGAIN, IT APPEARS THE PLAYERS IN THE GAME HAVE A PRE-ESTABLISHED RELATIONSHIP. ALTHOUGH, THERE MAY BE DIFFERENT ADDRESSES INDICATING DIFFERENT LOCATION FOR BUREAU INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX THIS IS TYPICAL DERAILMENT. 

ALSO, THE NAME OF THE AGENCY BUREAUS INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX, Like all debt buyers, they purchase account information from credit card companies, auto lenders, and other businesses. ( CITED FROM XXXX XXXX XXXX XXXX XXXX  THIS DOESN'T MEAN THERE IS NOT A CLICK OR PROFIT BEING DISPERSED AS A RESULT POSSIBLE LAWSUITS, I AM FAMILIAR WITH SUCH AGENCIES, HOWEVER WITH XXXX A TRUSTEE CAN SAY THEY SOLD AN ACCOUNT WHICH I THINK SHOULD NOT BE ALLOWED. IN ACTUALITY, THE ACCOUNT IF IT IS SOLD, COULD BE THE RESULT OF ID XXXX SINCE THERE WAS NOT FRAUD INVESTIGATION AS IT PERTAINS TO MY CASE. 

BOTTOMLINE NO ACCOUNT WAS SOLD MY THIS MONEY LIST ON THE PAYOUT WAS STOLEN.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I bank with Chase and when having past issues with a private companies regarding a fraudulent transaction, unauthorized charge or services not rendered Chase is quick to deny my claim. When calling Chase and speaking with a representative I request documents regarding their fact finding and resolution and although promised I do not receive those documents. I'm specifically noting past instances where I was wronged as well as recently where my card was stolen. I just have been looking to be indemnified as per our banking contract and really wish Chase could be in my corner when something goes awry.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXXXXXX, Acct # XXXX XXXX XXXX Acct XXXX XXXX, Acct # XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S. C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.