davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I was sent an account number from what I thought was a friend to deposit my insurance check into his account. I went to Wells Fargo to do the deposit, but when I arrived the teller informed me that I could not deposit my {$12000.00} 3rd party insurance check into his account ( I am not listed on this account ) without him being present. After the teller spoke to the Manager, she got approval and did the deposit anyway. 

Turns out, the person requesting the money is a scammer. I have been in touch with the bank since Thursday, XX/XX/XXXX, where they immediately froze his account due to suspicious activity. The manager is saying there is not much he can do about getting my money back and the more time passes, the more likely it is that the funds are mailed to the guy listed on the account. I have called several other Wells Fargo branches and each Manager states the deposit that the branch allowed is not in compliance with their guidelines, policies or procedures for that amount of money because the owner of the account was not present at the time of the deposit. After speaking with the manager, he agrees a mistake was made and the deposit should n't have been allowed. I have contacted the police, but they can not help. 

They funds in the account have a hold on them and the account has been frozen. I just want wells Fargo to reverse the deposit and void the check or mail it back to my insurance company or myself. The transaction should not have been allowed.
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (IL)

I bank with PNC Bank, they withdrew XXXX XX/XX/XXXX XXXX Overdraft Item Fee XX/XX/XXXX XXXX Overdraft Item Fee XXXX XXXX Overdraft Item Fee which cause my account that was not ( negative ) to become negative. 
I called PNC Bank, I was only able to ask that a manager call me back. When the manager did call me back, he was rude, arrogant and not helpful. 
He could not reasonably explain the charges, and was talking in circle. 
I just want the funds returned to my account.
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I was on a cruise from XX/XX/XXXX-XX/XX/XXXX I tried to use my chase debit card onXX/XX/XXXX to pay my bill on the cruise they blocked it for fraud I had to call them it took 3 different calls which my cellular company charged me {$53.00} to make the calls I called chase and explained to them that it was not fair that they blocked my transaction the manager XXXX I spoke to brushed me off and tried to transfer me to fraud which they would not be able to help me as well put me on hold for more than 5 minutes. I the filed a complaint on the website and they also were not willing to help me.it is unfair when an institution holds your money when you need it and claims fraud. I had to call 3 times on international waters for someone to help me
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by XXXX, Equifax, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
Consumer complaint received 2017-08-29
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: CITIBANK, N.A. (AZ)

The complaint I filed previously ( # XXXX XXXX, wherein the company ( Citibank ) replied as to their reason for a hard pull on my credit. 

This is not possible, as I did n't ever apply for a Citibank XXXX card. So either they pulled the wrong report for the individual applying for the card they allege, or a fraud has been committed. 

There was no reason for a hard pull on my credit on the said date ( see complaint filed on XX/XX/XXXX # XXXX ). 

Though you have this reply from Citibank on this complaint number, I will provide the exact reply below : " I sent a letter to the customer declining his request to remove the inquiry as it was the direct result of his request for credit when his application for Citi XXXX XXXX Card was received onXX/XX/XXXX. '' As stated above, I never filled out an " application for Citi XXXX XXXX Card '' on XX/XX/XXXX. Please let me know how I can proceed or how CFPB will proceed with this false claim and unnecessary hard pull on my credit. 

XXXX XXXX
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank Bank calls repeatedly daily 7 days a week. 
I have verbally asked them not to contact me via my phone number, nor any other phone number listed, and to not email me as well. 
Today I also sent an email reply to an email they sent to me and asked again. 

Last 3 days of calls from them are as listed : Saturday XX/XX/XXXX called from XXXX XXXX a.m. 
XXXX a.m. 
XXXX p.m. 
XXXX p.m. 
Sunday XX/XX/XXXXXXXX a.m. 
XXXX p.m. 
XXXX p.m. 
MondayXX/XX/XXXX XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX pm., XXXX p.m. 
In XX/XX/XXXX, I asked them to stop calling me, and emailing me. I have a baby and a full time employer that get very upset when my phone is being called. My employer has given me a verbal warning, and now I have to leave my phone in the car. Even though the [ hone only vibrates at work, it is still distracting to the other employees.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (KY)

On XX/XX/XXXX I disputed my credit report which contained information being reported by Kay Jewelers. 

I mailed a certified dispute letter to Kay Jewelers requesting validation of the account being reported by XXXX, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

Kay Jewelers has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
Consumer complaint received 2017-08-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

As of XXXX XXXX I received a statement from XXXX XXXX Mortgage to pay for VA XXXX XXXX charges and fees of {$7500.00} as I have been waiting for VA XXXX underwriters approvals for my VA XXXX XXXX since XXXX XXXX till Present. 
I can not pay {$7500.00} for VA Mortgage or VA XXXX modification Fees and property Inspections charges and fees. 
Why is XXXX XXXX Mortgage investors Underwriters stalling to approve and make my VA Mortgage affordable under {$7000.00} - {$1800.00} a month.? 
It appears that XXXX XXXX Mortgage is continuing to Retaliate and Discriminate me as a Cuban-American XXXX Military Veteran.and Plus my XXXX Lifetime status. 
I am waiting for the new VA affordable Mortgage payment so I can start making my timely payments starting XXXX XXXX. 
Also in due of respect to First XXXX Mortgage I have told lender administration in writing and verbally phone conversations that I do n't have no Attorney representing me of XXXX, Texas Attorney XXXX XXXX. He is no longer my attorney. 
XXXX XXXX was my representing attorney for Bankruptcy XXXX XXXX on XXXX XXXX. 
Lender keeps Retaliating me with adding attorney XXXX XXXX on their letters and statements. 
Why lender keeps doing this to me because I keep filing complaints and I am XXXX or by showing Consumer Financial Protection that Attorney still active?. 
This is false and fraud on XXXX statements to Federal Government. 
Federal Government can confirm with XXXX, Texas Attorney XXXX XXXX is not my representing Attorneys. Here is the contact phone number XXXX for their legal firm in XXXX, Texas. Their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX VA XXXX modification approval has been halted over 60 days and now is another 30 days for VA XXXX approval and Lender wants me to pay {$7500.00} in which I do n't have and can not afford to pay. 
It appears that VA XXXX wants to " Foreclose my home on XXXX XXXX so lender does n't have to worry about the wrongful and unlawful acts of Frauds and escrow and VA XXXX. 
I am XXXX Lifetime and Retired and Divorced and I live alone in my home and limited XXXX Lifetime Income Pension Retirement. 
I am not eligible for Social Security Benefits. I am XXXX XXXX XXXX and I was denied Social Security Benefits. 
VA XXXX can come and inspect my home with Federal Government. 
This is a Very Urgent Matters ..
Consumer complaint received 2017-08-28
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: One Technologies, LP (TX)

XX/XX/XXXX - Signed up to receive my credit information from XXXX with the offering of a {$1.00} credit score. Absolutely NO other obvious information informing me of additional charges or membership fees. 

XX/XX/XXXX - I realized that I had two charges on my credit card for the past two months for a {$39.00} monthly XXXX membership. I called the company to cancel my membership and receive a refund for the {$79.00} charged to me. The customer service representative on the phone assured me that my membership would be cancelled and that she would submit my request for a refund. She then proceeded to offer me a number of different options for continuing my membership with XXXX including discounted membership fees, additional services, etc. I refused all of the offerings and insisted that I only wanted to cancel my membership and receive my refund. The CS representative then told me that I could keep my account active for the remainder of the month at no charge but DID NOT inform me that I would have to call back at the end of the billing period to confirm the cancellation of my membership. She made it seem as though everything would be taken care of, I would not be charged further, and that as a concession I would be able to access their site for the remainder of the month. However, this was their way of keeping me on the hook and using deceptive means to keep me paying. 

XX/XX/XXXX - I receive an email from XXXX saying that my refund was not approved because it was outside the billing period. Even though the CS rep told me that I could have it refunded. 

XX/XX/XXXX - I check my credit card statement and realize that I have been charged every month of XX/XX/XXXX for the {$39.00} monthly XXXX membership even though I called and cancelled my account. 

- I then submit multiple requests demanding that I be refunded for all previous months that I was deceptively charged for services I did not agree to pay for and DID NOT USE. 

- I received a refund for 2 of the 7 months that I was incorrectly charged, but I received a denial of refund for the remainder of the months claiming that it was " outside the billing period ''. 


Total Amount Illegitimately Charged = {$270.00} Total Amount Refunded To Date = {$79.00} Total Outstanding Refund Due = {$190.00}
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX XXXX or Transunion.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

After moving out of a property, there was some minor debt left do to utility bills which had not yet come in. A week after I moved out I check with my former Landlord and found that the total remaining balance was XXXX which I paid using my credit card through their website ( XXXX2017 ). A week after that I received a letter from IQ Data claiming that I owed XXXX and in needed to be paid within a week or I would be placed in collection. I contacted my previously landlord and told them that I received this letter and asked them what was going on. They indicated it was a mistake and that my balanced had indeed paid in full. I was told that they would take care of it. About 2 weeks later, I received a phone call from 1 IQ Data saying that I owned XXXX and I better pay it or else there would be consequences to myself and my wife on our credit report. I told them I didnt own the money and they should check back with their client, but I was told that Lots of people tell us they dont own the money and that I better pay up. After a long conversation where they on multiple occasions refused to check back with their client and said it I didnt own the money it was my responsibility to prove it. I was eventually told that if I dont send them a letter with proof that I paid the debt, then they would report it on my credit report and that of my wife. During this call they also insulted me, insulted my intelligence, claimed I was a liar and disavowed any responsibility for validating the debt. 
I contacted the original landlord who confirmed there was no debt and told me they would take care of it. The land lord also sent me a copy of my ledger showing that I had a 0 balance.
Consumer complaint received 2017-08-29
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: Experian Information Solutions Inc. (AL)

I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted  XXXX directly and spoke with 3 different representatives and explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. XXXX is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX :XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ( not a typo twice in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXAs you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of XXXX refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

CONVERGENT OUTSOURCING is showing on XXXX  and XXXX credit report falsely as ofXX/XX/XXXX, date opened XX/XX/XXXX, account balance {$420.00}, last reportedXX/XX/XXXX. ALL INFORMATION PROVIDED IS FALSE!
Consumer complaint received 2016-12-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (NC)

I received a phone call to collect on a debt and the agent quote an address that I have not lived at in 7 years, the call got disconnected. I am trying to purchase a home and when my credit report was pulled there is a {$850.00} collection account. I called the agency to see what this collection was for and it was the same people that tired to contact me previously. The agent told me that they are going to report this debit every week on XXXX to continue to decrease my credit score until I pay it or if I pay the {$850.00} they will wipe the debit off of my credit report like it was never there. The collection agency is calling me all day everyday.
Consumer complaint received 2017-08-28
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: Experian Information Solutions Inc. (HI)

This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA XXXX such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the XXXX  payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *