davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MN)

I opened a checking account on XX/XX/2021 under the following bonus terms ( attaching below ). I made my opening deposit, and set up my direct deposit of $ XXXX with my employer the same day. Over a week later, Wells Fargo closed my account. I had my employer direct deposit bounce because of it, and was without my funds for over a week during the COVID-19 pandemic crisis. More importantly, I did not receive my {$200.00} bonus for this checking account, as Wells Fargo closed the account while my requirements were being fulfilled. Wells Fargo solicited me for this offer, I accepted it, opened the account, and went to fulfill the terms. In the meantime, Wells Fargo closed my account, cheating me out of my {$200.00} bonus. Terms below : Eligibility Requirements : This offer is for new checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer with the exception of checking accounts offered by Wells Fargo Private Bank. 
You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo checking account. 
You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months You are a Wells Fargo employee Bonus Requirements : Open a new Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2021. All account applications are subject to approval. 
Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying direct deposits to your new checking account. 
A qualifying direct deposit is an ACH ( Automated Clearing House ) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer or the agency or company making these payments that they use the ACH network.

Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM dont qualify as a direct deposit.

Bonus Payment : Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 
The new checking account must remain open throughout the 90-day qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a zero balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX XXXXXXXX is reporting fraudulent accounts on my credit files with the credit bureaus that are causing harm to me. I did not open these fraudulent accounts. I have filed a police report with XXXX Police and filed a FTC report. Fraudulent accounts are as follows : Acct # XXXX and Acct # XXXX.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

I hope this letter reaches you in good health and spirit. I paid my safe deposit box in the Wells Fargo bank at XXXX XXXX XXXX, XXXX, North Carolina, XXXX ( Where my box is located ) on XXXX with XXXX XXXX teller agent and its not reflecting my payment of {$65.00}. I dont wan na be charged a late fee so I took the time out on my sons Birthday to come in and pay the {$65.00}. XXXX XXXX withdrew {$65.00} the funds out of my Wells Fargo checking and told me she paid my safe deposit box with it. It is showing not paid, I do not appreciate it. This has been a nightmare with this box and I have had this safe deposit box since XXXX  and never had a problem until this year XXXX. I advised it was a problem with paying different from any year this year XXXX  and its like executive department isnt taken my matter serious. I went in and took time out of my busy day on my sons Birthday to make sure it was paid, XXXX XXXX as well and I also went in there with my XXXX year old XXXX. It was only one teller open as well so I had to wait extremely long and the lady before me was coughing bad and I dont want me and my XXXX  plus my family at home to catch Covid 19. Instead of someone helping me pay the {$65.00} in the executive branch over the phone to make it easier for me as a XXXX with children they did not do that. Now my payment is not showing up of {$65.00} I paid in full. Im very dissatisfied customer. This whole safe deposit box was not handled properly and the customer I received was very poor. Can you please fix my safe deposit box and apply the full payment I made of {$65.00} so I can go on with my life Im tired of worrying about this for weeks leading to months. Thank you for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Assoc is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letterhead and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to XXXX and the XXXX
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC (TX)

The company has called me several times and has also sent emails with explicit details about a debt being owed to XXXX. Before I called them back, I checked my personal credit report and see no accounts or accounts in past due status with XXXX. Due to this, I am highly suspect of the company that is contacting me. When I called them, I told them I was not aware of any purchases with XXXX  for {$490.00} and that it must be fraud. I asked them to initiate their fraud process and they refused since as part of " verification '' i would not provide them personal contact information. 

I then pointed out that when calling, they are required to make sure its me they are talking to in order to avoid violating privacy laws. Yet they sent an email to to an email address they are not sure is me, that has my name and calls out that I owe a {$490.00} debt. How is it that they have to confirm its me on the phone, but can send a debt notification email to anyone?
Consumer complaint received 2022-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIBANK, N.A. (CA)

I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

My XXXX student loan to attend XXXX XXXX was serviced by Citibank from XXXX through XX/XX/XXXX. 

Am I eligible for a refund due to Citibank misleading me on minimum payment amounts? 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-citibank-student-loan-servicing-failures-harmed-borrowers/
Consumer complaint received 2022-07-08
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: Texas Guaranteed (TX)

TRELLIS COMPANY has been previously notified to verify my account to be accurate and complete. I have noticed that TRELLIS COMPANY has been violating my rights by reporting inaccurate and incomplete information on my credit report. TRELLIS COMPANY is reporting different information to two different credit agencies for the same account. TRELLIS COMPANY has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that TRELLIS COMPANY has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

On XXXX XXXX I was working through Pay Pal and a transaction was made for {$1500.00} to a XXXX XXXX through Pay Pal. After sending the money I was informed that this person was a scammer and I immediately reported it to Pay Pal. They opened a case, Case # XXXX but it was closed. The person was a scammer and not the person the money was intended to go to. Pay pal will not refund my money even knowing it was not a real person. The whole transaction was a scam. Please help refund this money. It has been a horrible experience and Pay Pal will not help me get a refund. Thank You, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account # xxxxxxxxxxxx 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MI)

On XX/XX/XXXX, sent an email to their gift dispute email. 

I purchased several XXXX dollars of gift cards from XXXX XXXX in XX/XX/XXXX some were {$25.00} and several {$50.00}. On XX/XX/XXXX I had a couple debit card left over and I tried use a {$50.00} at XXXX and there was only XXXX cent on the card. 

I immediately went to XXXX XXXX and was informed the {$50.00} cards come in already loaded and the {$25.00} they load. 

On XX/XX/XXXX, I received an email back from Dispute Form Entry ( XXXX ) saying " please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. You can expect complete resolution with 45-90 days. The outcome will be communicated to you via email. NO CASE number on the email and it have 90 days. Also, it stated, this mailbox is not monitored. 

I sent an email again last week, the balance is still XXXX cent and no communication received. Also, checked spam {$50.00} dollar may not be a lot to them, but I paid {$50.00} and they stole {$49.00}. 

Please assist me with this complaint. 

Thank you XXXX XXXX XXXX The Card # XXXX
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-09-30
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery XXXX is reporting fraudulent accounts on my credit files with the credit bureaus that are causing harm to me. I did not open these fraudulent accounts. I have filed a police report with XXXX Police and filed a FTC report. Fraudulent accounts are as follows : Acct # XXXX and Acct # XXXX.
Consumer complaint received 2021-03-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Dept of Ed/Nenlet. Dept of Ed/Nenlet has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Dept of Ed/Nenlet. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2021-11-18
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: Westcreek Financial (NC)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2021-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

About a year ago I had opened a Paypal account for an ecommerce site. When I lost the domain name by failing to " renew '' I also lost access to the email used on that paypal account. When I tried to change this information it wouldn't send a " text '' message for me to verify to the number I had already gave them for the purpose - without notify me at all of any changes to their security policy or even giving me a chance to update to a number they found suitable. I was without email access and phone access and I tried for weeks to contact them directly and was told there was nothing that could be done without having access to either the phone number ( which i did ) or email. I then noticed the " verify '' phone number had been changed. I called again and asked until i was able to figure out how to make the impossible possible with gaining access to an email i didn't own the domain to anymore - now my number is something completely different so lock the account. 

I have offered to every kind of piece of government issued ID to paypal - video ... fingerprint ( which they have on file ) ... whatever to prove I am me. All with the reply- unless i have access to that email. So now what - last I knew there was a XXXX XXXX dollars in my account that I can't access. I don't know what else to do. Thank you for taking the time to read my heated letter.
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I submitted 2 more complaints for the same matter which is : TD bank is holding {$28000.00} of funds that were in my checking account they closed on XX/XX/2021, 7  months ago. Their responses to My two previous complaints were first that they would return the funds to the sender XXXX which never happened and second that they would send me a check of that amount to my name at my address on file which also never happened. So basically td bank closed my account with a {$28000.00} balance which never gave it me when they zero the balance in it. I am attaching td banks responses to ly previous complaints about the same matter. 
P.S XXXX XXXX the customer care advocate who sent the responses never responded to my numerous emails and phone calls.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

In XXXX of XXXX I called Wells Fargo to inquire about entering the forbearance plan due to XXXX.I was told I was eligible and that the forbearance was good for 3 months with possible extensions up to a year.I asked what happens to the missed payments during this time and was told they just add them to the end of the loan at the end of the forbearance.I agreed to the forbearance.3 months later I received an automated phone message from wells Fargo asking me to push " 1 " to continue forbearance, which I did.Three months later I received the same phone call and I again pushed " 1 '' as I was still unable to work with the pandemic going on. At the end of XXXX, I called to see what my steps were to resume payments and I was told that I didn't qualify for the deferrment program because I was delinquent at the time I enetered. I asked why I wasn't told that at the time of the request and It was explained that after I was entered the investors came out with additional guidelines that stated no forbearance if borrower is delinquent. I feel like this is not legal to enter someone into forbearance and then at the end say that I was not eligible. Please help me because now Wells Fargo is having me apply for a modification and I am being told I can't make payments until after the process and the missed payments are piling up. Thanks!
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

Money was sent to me on XX/XX/2022 via cash app. {$1000.00}. My bank merged with a different bank and so I was issued a new bank card number. The money was sent to the old bank card number, which was closed. Rather than hold the money. Cash app forwarded my money to a strange account in Mississippi, XXXX XXXX XXXXXXXX XXXX although I am in XXXX with XXXXXXXX XXXX XXXX. I have spoken with cash app and explained that the XXXX XXXXXXXX XXXX needs to know the account that they sent the money to however they refuse to give me an account number or even the last four digits so that my money can be found and returned to me.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

The card advertises a debit feature but Incomm doesn't allow users to actually pay with a pin and forces the credit option to exctract more fees from merchants. In addition some merchants will only accept giftcards with a pin to prevent fraud for larger transactions.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (GA)

On or about XX/XX/XXXX I received a direct deposit of XXXX and change from XXXX 2 Days later the card company CHIME which is who I used to receive my benefits took the remaining balance of {$12000.00} after going back and forth with very disrespectful and unprofessional customer service agents for over a year I still receive no relief they sent me back and forth between their XXXX XXXX XXXX and their customer service for several months they refused to close my account and they just pretty much drag me along after everything was said and done they sent me an email stating that the money will be segregated into XXXX parts they sent {$190.00} back to the proper remitter which was the state of Illinois they sent {$10000.00} to New York for whatever reason. They also sent {$1800.00} to Georgia I received {$190.00} from Ides immediately CHIME would not help me get the remaining money that, They, not me wrongfully segregated. Finally, after reaching out to New York I was referred to New York state Attorney General. In XXXX of XXXX I was forwarded the {$10000.00} from the state of New York. I reached back out to CHIME about these results asking them to forward me the money the {$1800.00} that they sent to Georgia as well. Again, no help. I'm reaching out to you to ask that you please help me receive my funds that were wrongfully sent to the state of Georgia. CHIME really needs to be stopped. Thank you
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I purchased a dryer from Conns XXXX XXXX in XXXX Texas on XX/XX/2023. I have had issues with them from the beginning starting with the installation. The installation was done improperly. I reach out to them to fix the problem but the never would send anyone out to correct the issue. On about XX/XX/XXXX I returned the dryer back to them because the would not fix the problem. XXXX months later they said that they have no record of me returning the dryer. 

They will not fix the problem and now have reported late payment on credit report which has damaged my credit rating. 

I need some help in resolving this issue