davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

XX/XX/2023, I received a notification on my phone from Apple Credit Card issued by Goldman Sachs Bank Bank USA that my credit card account was locked and that I would need to contact support to unlock it. I contacted support and was told to contact them again during regular business hours. 

XX/XX/2023, I contacted Apple Credit Card ( Goldman Sachs Bank Bank USA ) and after verifying my information, made a one-time phone call to the number on my account, providing me with a number to call back to remove the lock on my account. I called the number to remove the lock, and while on hold, I received another notification on my phone, this time related to my Apple Savings Account issued by Goldman Sachs Bank Bank USA. My savings account had now been locked. This lock meant I could not access any of my own money in my savings account, I could not withdraw this money or transfer it back to the linked checking account. 

When I reached Apple Card Support, I was notified that my savings account was locked due to my Apple Credit Card being locked. I was told that I could not access my Apple Savings Account or my Apple Credit Card until a " review '' had been completed on my account.

I asked for a timeframe of how long such a review would take, seeing as I had all of my money in this savings account and needed to access this money to pay bills, etc... I was told there is no timeframe for the review. I asked if they could transfer the balance of my savings account to the checking account of another financial institution already linked to the Apple Savings Account, and they told me there was nothing they could do on the account until the Apple Credit Card review was complete.

I was given instructions that, first, the Apple Credit Card review would be conducted. When that was completed, and access was restored to my credit card account, only then could I contact Apple Savings Account support to get the lock removed from my savings account. 

I asked to speak to a supervisor and was told the supervisor was not available until Monday.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo letter to CFPB Complaint Number XXXX is misleading and dishonest. Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX and XXXX XXXX, Wells Fargo needs to answer the following from Complaint XXXX That is on ( attachment c-3 ) from the so-called loan application.

under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I called spoke with a representative in the early summer of XXXX  and enrolled myself in a new repayment plan ( Extended Fixed Repayment Plan ) that would have made my payments {$260.00} a month. I received correspondence that this was approved XX/XX/, yet I am still getting billed significantly higher amounts under a standard repayment plan and they have not fixed this. I have tried to call and email them several times and are unable to get a hold of them. I sat on the phone on hold for several hours only to be hung up on and am continuously receiving bills under the standard repayment plan despite my other payment plan being approved.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MD)

Last Monday XXXX XXXX my Chime account was locked. Since then, I been calling and emailing with my proof of identity and they still will not unlock my account nor just send me a check for my funds. They keep saying they are working on it or they need another proof of identification. I sent in my driver license, passport and resident card.
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (WA)

I had a brief period of unemployment, so I took the 2 month bill pause they offer normally. No big deal, modified my loan and went about my business. XX/XX/XXXX they advise that I'm past due. I look online and the billing section says I have a payment due XX/XX/XXXX. I'm very certain the rep I talked to said, no bills until XXXX. I have no other bills, I have no other notifications I owe for XXXX. 

They said " our system will skip ahead to the next payment. '' What? Is that legal? I don't know... I got my modified loan statement. But I got ta figure out if just not sending a bill is legal ....
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC (DC)

Years ago I refinanced my mortgage with New Rez. The number of the loan is XXXX XXXX. 

Full coverage was already in effect, through XXXX. Years passed without incident. Then, on XXXX XX/XX/XXXX, New Rez notified me that it considered the property inadequately insured. New Rez was wrong, but I humored it anyway and had XXXX send it a fax verifying full coverage. Six weeks passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a second time of the same imaginary deficiency. I reached " XXXX '' at New Rez. He poked around, found the fax practically in his lap, and pronounced New Rez satisfied. Two more months passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a third time of the same imaginary deficiency. Each of these XXXX notices threatened me with New Rez 's furnishing its own coveragewhich might cost me a bundle and still not protect my interests. 

Yesterday, I spent 30 minutes on hold and the rest of the evening awaiting a call-back. Today, I spent 10 minutes on hold and have spent four hours awaiting a call-back. 

Even the first notice was superfluous ; the second and third notices were, if such a thing is possible, more superfluous. These guys won't take Yes for an answer. Please help them.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I have near perfect credit - XXXX score. 

XXXX debt > {$100000.00} income No negative items on my credit report - no collections, late payments, public records. 

Oldest account > 30 years. 

I own XXXX properties, paid in full. 

I have cash assets > {>= $1,000,000}, and liquid assets of {$2.00} XXXX The company declined my card due to excessive inquiries. I sent them my credit report, there is XXXX inquiry in 5 years. 

I've spoken with the bank, they refuse to assist, and refuse to provide the credit report that triggered their decision.
Consumer complaint received 2023-10-17
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: GUARANTEED RATE INC. (CO)

My VA home loan was finalized XX/XX/XXXX  and is reported as a personal loan instead of a mortgage. I have a XXXX personal loan on my credit report right now WITH ALL 3 AGENCIES. Guaranteed Rate needs to fix this. I called them and told them and they said it was an easy fix and that it would be corrected in XXXX to 3 days buts it's been over a week. 

GUARANTEED RATE INC/ SER XXXX XXXX XXXX XXXX , GA XXXX USA ( XXXX ) XXXX
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

Around XX/XX/2023 I mailed disputes letters to XXXX and the creditor, requesting proof of the alleged credit card debt. As of XX/XX/2023 I have mailed 3 dispute letters to the credit bureau and the creditor and still haven't received proof of the alleged debt with my signature
Consumer complaint received 2022-06-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (IN)

On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX and XXXX at the address given to me on the papers served, as well as several letters to XXXX XXXX disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in Indiana that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX and XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

I was victim of identity theft in XXXX of XXXX, due to a security breach at work so we were provide with internet and credit monitoring. the perpetrators that got a hold of my info started making charges to my various accounts opening up accounts and making fraudulent charges at XXXX XXXX, XXXX, XXXX, Synchrony bank, XXXX XXXX  and so on. They even tried or change my address to receive the credit cards to their homes. s with out my authorization or consent. 

I place a freeze on my credit in about XXXX of XXXX. 
but now I'm still getting notifications and collection notices from XXXX XXXX XXXX XXXX / /Syncrony Bank XXXX XXXX.These charges were made in XX/XX/XXXX. After the freeze order was placed through XXXX, XXXX, XXXX. 

I did open an account to finance a new heat and air system for my home but we payed that amount in full {$10000.00}. Banking check # XXXX Back in XX/XX/XXXX and it cleared on XX/XX/XXXX According to my bank statement.But those charges of {$9400.00} We done on different account number. I ' have been sending them proof that Idid not authorized the opening of new accounts. 

I currently disputing these charges.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have a JP Morgan Chase checking account. In late XXXX and early XXXX, there were XXXX fraudulent checks written on my account, both were for {$9500.00} and totalled {$19000.00}. All of the XXXX documents were completed and sent to the claims department. My account was prompting credited for the second bad check on XX/XX/XXXX. In the meantime, I closed my old account due to the fraudulent activity occurring and a new one was credited. My account is still missing {$9500.00}. I have called the Chase claims department more than 15 times in the past two months to resolve this issue. Chase already stated that they received the funds back from XXXX XXXX XXXXXXXX, which is the bank where the forger of the first check deposited the funds. However, my account still has not been credited. I spoke to them last week and they even told me that the funds were " guaranteed " to show up in my account last Friday. It never happened. I also filed a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Fifth Third provides an application to make scheduled payments. I scheduled payments for 12 months in 2023 and they have been paid no issues. When they make an update to the application it removes scheduled payments. They charged me XXXX late fees and waived one. I want both waived. They are misleading customers and removing scheduled payments to collect late fees. They told me they removed them and mailed a generic notice. I never received any notice. This is misleading consumers to collect late fees.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

I am unable to log into equifax.com after previously having an account and access to their system. The general error when attempting to login is to contact the company via phone. After calling in numerous times and trying all their solutions, I still don't have access. I've been told to reset my password, use another computer, computer browser or simply to try again later. None of these work and I've tried numerous ways. 

I have done all these and it's really just an attempt to get me off the phone and never give me a solution that would fix whatever the login issue may be. Equifax has done nothing concrete and just gives me the run around to even resolve this login issue.
Consumer complaint received 2022-07-01
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. (FL)

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that the following Consumer Reporting Agencies have willfully and knowingly broke Federal Law, XXXX Information XXXX, Equifax Information Services, XXXX XXXX, I am aware that XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all party ( s ) mentioned are committing FRAUD. This is a racketeering Act, these companies get paid to furnish Consumers information and trade on our name. 
All party ( s ) mentioned shall be fined and imprisoned because Ive submitted an FTC Identity Theft Report and made it very CLEAR that XXXX XXXX XXXX is committing FRAUD and yet all 3 Consumer Reporting Agencys willfully and knowingly violating the law and failed to DELETE such FRAUD account from my Consumer Report. 

All party ( s ) mentioned shall be fined for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft -and imprisoned for 5 years. 

Ive even have proof that the Consumer Reporting Agencys willfully and knowingly broke the because I sent my hand written instructions pursuant 15USC 1681b ( a ) ( 2 ) dated on XX/XX/2022, and ALL 3 Consumer Reporting Agencys did not comply with an Consumer written instructions according to the Fair Credit Reporting Act law. 

All party ( s ) mentioned shall be fined under XXXX XXXX for {$100000.00} ( Per Violation ).
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (AL)

On XX/XX/2019 I opened a account with BB & T bank. I transferred XXXX dollars to open my account. On XX/XX/2019 the funds were transferred from my third party bank and no longer available in my balance. I logged into BB & T and noticed the funds were posted however they were placed on a administrative hold by an unknown person at BB & T. I called several numbers online which was a dead end and only being automated. I frankly called the branch and explained to a representative what was going on she pulled up the account and her response was oh its a new account and thats not good enough for me! I explained to her I have several friends who recently within the past few days opened accounts all being over 100 dollars and they money was made available immediately. She then repeated the exact same time she said the first time which made me feel as she just simply didnt give a dam because it wasnt her money or her problems. I explained to her I have a bill that has to be paid and cant nobody hold my money like that for a whole week period because if I dont pay my bill I face a late fee or services being disconnected depending on how the company feels at that time and thats not fair because the bank dont have to pay it I DO not all of us are doing fraud or a scheme and I shouldnt be treated as I am. I live near several braces hes here and had I known they were holding my money for a week I wouldve just took cash into the branch instead of being treated like a thief and them using discretion and being bias because I strongly feel if I was white when I made that phone call her tone wouldve never changed and she wouldve personally removed that hold. I have a college education and the way that lady talked to me I started to curse her out but I chose to ask for a manager only to be transferred to an answering machine and this was at XXXX. Its not XXXX. And I still havent heard a thing or have a message for a return call which is very unfair because when u go to the branch they all be laughing eating fruit bowls and keeping up office mess. They dont be doing nothing. 30 minutes ago at XXXX I logged into the app and called a branch that was listed only to be sent to voice mail and still havent received a call back. I cant afford to pay fees to a company because an individual decides to put a unnecessary hold on my account when I can easily prove 5e funds are no longer in my account and I know for a fact they have ways to verify it and they do have the funds.
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RAB, INC. (CO)

XXXX XXXX called from RAB to the apartment community with an outstanding invoice that we were in the process of disputing with our vendor. We were disputing the invoice with the vendor because no work had been completed and the invoice in question should have never been submitted to collections. ( I received confirmation that this was an error on behalf of the vendor ) The major issues with RAB is that they said they were calling as employees of the vendor XXXX XXXX XXXX ) and Failed introduce themselves as a third party collector over the course of several phone calls and emails. It wasn't until an " intent to XXXX  '' they served us that we realized they were debt collectors. They then called our corporate office on an almost daily basis and again never introducing themselves as a debt collector and stating they worked with the vendor. They also used threatening, loud, and abusive language with cursing to several of our team members in multiple interactions. Meanwhile we were communicating directly to them trying to dispute the invoice believing they worked for the company and their lack of communicating they were collectors has now put a strain on our relationship with the company that services our apartment communities. Lastly the first person who called claimed he was XXXX XXXX he was the one that was verbally abusive and threatening and using profanity. Afterwards someone else introducing themselves as XXXX XXXX also working for XXXX XXXX was calling and being amicable and respectful. We believe both XXXX XXXX and XXXX XXXX are the same person trying what can only be described as a " good cop, bad cop '' technique. The vendor has cleared up the invoice issue and settled the dispute as invalid. I have no issue with the miscue on the vendor. But I believe that the collector was using illegal tactics and violating other laws outlined here to try to collect a debt.