davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MS)

This is a complaint against Wells Fargo 's checking account fees. Wednesday XXXX XXXX, XXXX an e-check I had written arrived at my bank account, typically when a check arrives regardless of how much money I have in my account, it is identified as " pending '', if I do n't have the correct balance to cover the charge, I then have time to deposit the cash and avoid any fees/charges due to non sufficient funds, however on Wednesday XXXX XXXX I never received a notification that the check had arrived and it NEVER showed any form of indication that it was presented to the bank. On Thursday evening XXXX XXXX at XXXX I received an email stating, " unfortunately, on XXXX/XXXX/XXXX your balance in your Wells Fargo account XXXX was insufficient to cover XXXX or more of your checks '' that I would need to go to Messages & Alerts inbox to find out more. My husband and I immediately logged into our bank account online, yet there was no mention of this e-check on Thursday evening at XXXX, it never showed up as pending or insufficient. The next morning we checked online again and it appeared in our account as having arrived on XXXX but not pending, but simply being returned. This transaction bouncing caused me alarm enough that lead me to believe my account had been compromised, I was suspicious that my account was so messed that I called on Monday XXXX/XXXX/XXXX, cancelled my overdraft protection plan, which normally would have taken all my funds from my savings account, I then moved all my money from checking to savings and then put a stop payment on other checks that I knew were going to arrive in the account on Tuesday XXXX/XXXX/XXXX and Wednesday XXXX/XXXX/XXXX, there were a total of XXXX e-checks. Even after paying the {$35.00} fee for XXXX NSF check, I had to pay the stop payment fees of {$31.00} for each e-check stop payment, which was better than having to pay the {$35.00} NSF check fee for all XXXX checks. Today, XXXX/XXXX/XXXX I check my account and Wells Fargo has charged me for XXXX stop payment fees instead of XXXX which throws my checking account into the negative, which caused them to charge me {$35.00} NSF fee AGAIN. It 's NOT just that they messed up my checking account with their lack of reporting my pending transaction properly, they messed up my e-check check cashing service, I had to close those accounts and now have nothing but trouble getting everything back in order. PLEASE help me, I feel like I am a victim of Wells Fargo Bank Bullying. Even when I went to the local branch on Friday XXXX XXXX, they were no help, noone in the branch could tell me how this could have happened and no one could help me to clear up the no-show/overdraft problems, they said I could come back and meet with a banker who may be able to look of the code of why it was not reported on my account, but that was too close to XXXX to get anyone to work with me. I need help, I ca n't argue with this big bank.
Consumer complaint received 2017-01-05
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TCF NATIONAL BANK (IN)

TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
31 F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO XXXX AND XXXX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

203 T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT S/B/ DISCHARGE UNDER H.A.M.P.2MP MODIFICATION BY XXXX.
Consumer complaint received 2017-09-09
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. (OH)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frontline Asset Strategies, LLC (VA)

On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XXXX XXXX, XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XXXX XXXX of XXXX, and by me on XXXX XXXX of XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in XXXX XXXX of XXXX XXXX, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.
Consumer complaint received 2017-01-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

For the countless number of years Bank of America places forced hazard insurance at the expense of the consumer, regardless if you have sent them a new binder and paid in full from the insurance holder. This is an annual event that I have wasted far too many hours on the phone, in which I do not get paid for and I am sure somehow BOA is making money off of this scam.
Consumer complaint received 2017-09-09
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. (WI)

On XX/XX/XXXX I was made aware of thr Equifax security breach that has affected hundreds of millions of Americans. Using their inquiry tool, I found that my information was contained on the database that was breached. This is incredibly irresponsible on the part of Equifax, especially because I did not know that I was a recipient of their services and was not given a choice whether or not to give my information to them.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I am a US Bank customer, I went to a branch at XXXX XXXX XXXX. I was approached by the teller to participate in their checking promotion, " Just spend {$75.00} and we will give it back to you. '' I replied, my wife is in the hospital nearby and was in a hurry. He said it would only take 5 minutes. I agreed. He handed me a flyer and atm card and said just spend and call us when you are done. I call to redeem the my money the terms of the deal were chanced. Now that I just want to undo the deal they need me to come in again.
Consumer complaint received 2016-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

I was contacted regarding consolidating my student loans and did n't mind the fee. But XXXX says it 's a scam and I should file a complaint. Global Client Solutions says they will close my account. The number of the " servicer '' is XXXX XXXX XXXX.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for an XXXX XXXX Visa Signature Card with Bank of America. The offer was for XXXX XXXX Miles and a {$100.00} statement credit after spending {$1000.00} on the card. 

However, after applying, my account was sent to 'pending '. After calling pending, my account was opening as an XXXX XXXX Visa Platinum Plus account, without informing me. Additionally, even though I applied for a specific offer, the terms were changed without my permission, and an account that I did not want was opened without my permission. The reason given was 'the Signature card requires a {$5000.00} credit limit, but you only received a {$2000.00} line '. However, I had {$31000.00} in available credit with the bank that an analyst was easily able to move over. The analyst was XXXX in the Preferred Credit group. So, the credit was there, but the agent chose to open an inferior account ( not the account that I applied for ) in order to charge me an annual fee without giving the bonus that was promised. 

This seems to be very deceptive and fraudulent, advertising a bonus and then changing the terms without my permission.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OR)

I went into my bank Welsfargo in forest grove on XXXX/XXXX/XXXX to make my auto loan current. My monthly payment is {$330.00} so they took out {$660.00} a payment for XXXX XXXX and a payment for XXXX XXXX. I told XXXX the branch manager to please not take out the payment for XXXX XXXX i will make that payment when my girlfriend gets paid on the XXXX of XXXX. I go into the forest grove welsfargo today XXXX/XXXX/XXXX @ XXXX XXXX to pull out {$550.00} to pay my rent and was told i have no money in my account, i got a print out statment and it 's showing that {$480.00} is pending for my auto loan my payment is only {$330.00} so why are they taking {$150.00} more then they should? It sure should n't be fir any fee 's because im sorry they should of taken care of that when i went in on the 3rd. I am so sick if this and welsfargo on how they XXXX the XXXX out if you for no reason. Trust me im far from done with this matter. I have let everyone i know that welsfargo will rip you off if you let them get away with it and to never bank with them.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company refuse to block the FCRA 605B Due to fraud. The company violated my consumer rights by not blocking and removing the fraudulent items that are on my credit report due to fraud. I filed a police report of the items that were stolen in my name. The company responded back that could not validate my police report. The police report is valid and my social security number was stolen to open the accounts under my name.
Consumer complaint received 2017-02-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

We have been trying to obtain a loan modification from Wells Fargo. We have a previous complaint number on this case ( XXXX ). We were told to contact the bank today on XX/XX/2017 as the investigation would be complete. We contacted the Executive Resolutions Specialist today. He informed me they have extended the investigation to the XX/XX/2017 which is the scheduled sale date of our home. He informed me he would contact me on XX/XX/XXXX and that he could not and would not stop the sale of our home. His name is XXXX XXXX at Wells Fargo Executive Resolution Center in Iowa. They are performing dual tracking, misrepresentation and fraud. We are begging for help in this matter.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (GA)

I called on XX/XX/XXXX regarding fraud on my Corporate AMEX. The card was closed and the representative removed the charge instantly. But because I made a previous payment the Friday before of {$1000.00}, I overpaid. I was told by the rep that a check would be sent to my home in 3-4 business days and a new card would be sent to my home as well. 

A few days later, I called AMEX back to find out where my money is and they explained that due to the holidays, there would be a delay in receiving the check but to be patient. I call back a few days later to track down the card and it had finally been delivered to my HQ in XXXX ... it was being held in XXXX due to our offices being closed for the holidays. 

I call back again XX/XX/XXXX and was told by a rep that the check had not be cut yet because there had to be a 2nd step authorization from one of the administrators on the account : XXXX XXXX or XXXX XXXX. He asked me to call XXXX. I did. She was on the phone to verify and to release the check to me immediately. She also stated that our company does not have this stipulation on any of our accounts. 

I spoke with XXXX in the Corporate Customer Dept. at ext. XXXX and she said that there was already an authorization given and that the check had been cut and sent on XXXX XXXX, XXXX via XXXX. I asked her who did they get the authorization from if we were closed for the holidays and she did not answer. I asked her for the XXXX Tracking Number and she said that she could not provide me with that information. She gave me a reference number ( XXXX ) and said that i would receive the check on Wed. XX/XX/XXXX. 

At XXXX EST, I arrive home and no UPS notice. I immediately call AMEX and try and find out what is going on. I get a rep on the phone who puts me on hold to find out where the check is. He comes back on the line and tells me that the check has not been processed and that I would have to wait. They put me on the phone with a Supervisor - XXXX and she says that there is no record of XXXX XXXX saying yes to releasing the funds and that she will need to call the Corporate Card Services in order to release the funds. 

I am so upset about this entire process. I have been lied to and I feel like I will NEVER get my money back from AMEX. This is crazy. I will be consulting an attorney
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (WA)

I went to a XXXX on XXXX XXXX, 2016 to look at mattresses and the sales person took my social security number, saying that she only needs it to provide me a quote for the mattress i like. However, a month later, I receive notice that a XXXX credit card was opened under my name for {$3000.00} credit limit without my knowing. I talked to the manager there in XXXX and he gave me the SYnchrony Bank phone number to call, saying " it 's happened multiple times before and just call this number, explain to them and you 'll be fine. '' I was on the phone with Synchrony Bank for one hour and finally decided to close the account, thus dropping my credit score by XXXX points.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I was contacted by a company known as CMRE months ago, who did not even discloses themselves to me as a collections agency ( I had to ask several times if they were a collecting on me before they responded ) and i paid them over the phone. I had never received any mail or phone calls that I had outstanding debts or was at risk of being collected upon. Several days ago they called me asking me to pay the IDENTICAL amount for the IDENTICAL bills which were already paid.
Consumer complaint received 2016-06-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Debt Management Solutions, LLC (CA)

These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.
Consumer complaint received 2017-09-09
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. (PA)

During the Equifax breach, my information was released and I fear my credit score will now be reduced significantly. As a XXXX looking to find a house, apply for loan, etc. This is of great concern to me and I do n't know what steps should be taken to protect and restore my credit ( if necessary )
Consumer complaint received 2017-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a credit one, milestone, and capital one card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased life lock to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017  please help me remove these inquiries from all CB please
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OR)

1. Date of last payment is being reported incorrectly on credit account for Synchrony Bank/JC Penney on the XXXX credit report ( report XXXX, date XXXX XXXX, XXXX ) and XXXX credit report. The date of last payment is reporting as XXXX XXXX ; however, last payment was on or around XX/XX/XXXX or XX/XX/XXXX. 

On XXXX XXXX, XXXX, I attempted to reach Synchrony Bank/JC Penney at ( XXXX ) XXXX XXXX, the number listed on the credit report, and spoke with XXXX, id XXXX, who advised that I needed to speak with a " specialist '' at XXXX XXXX XXXX. Upon calling that number, I was placed on a lengthy hold and then disconnected. 

I called a second time to speak with an agent/ '' specialist '', XXXX XXXX XXXX She said the company maintained absolutely no records regarding this account, that it had been sold to Encore XXXX, and that the account and records had been transferred to XXXX ; however, it is not XXXX that is reporting this item. XXXX admitted that, in fact, Synchrony was reporting this item despite having no records to support the reported item. 

I believe that is wrong and unfair. I asked for the item to be deleted, and was advised she had no option over the phone to process that request. While offered the opportunity to write a letter, I do not think it 's fair that I, the consumer, would have to go through all of that burden, when they are the ones reporting items incorrectly and with no documentation to support this. I would like the CFPB to review this problematic practice.
Consumer complaint received 2017-09-09
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. (CA)

My information was leaked by the Equifax hack which is information that will affect me forever, however, they have no solution to protect my credit reports. The only thing they offer is to protect it for a year after which I have to pay them for the service -- essentially, they are charging me to protect my data that they leaked.
Consumer complaint received 2017-09-09
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. (AZ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Application processing delay — 
Company: DISCOVER BANK (FL)

My attempts at securing a travel rewards credit card with DISCOVER were a joke. 

They requested proof of address and proof of social security coverage. I submitted a statement from XXXX insurance with my proper address on it. 

At the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom. 

When I called to verify the receiving of this information, I was told that the social security card was too dark and that the XXXX statement did not have a date on it. 

Because I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills. 

This was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to XXXX to pay {$2.00} to fax this information to DISCOVER. 

I had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable. 

The irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card. 

CONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my business. 

XXXX XXXX XXXX