davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XXXX I called and canceled an internet account with XXXX. Later in XXXX, during a military background check for security clearance, I was made aware that I had an adverse account with XXXX on my credit report. I called XXXX immediately and was told I never paid a " final bill '' after the account closure, and I explained I was never made aware of a final bill ; during the account closure, the agent on the phone did not say I had a final bill, I never got a mail letter, an e-mail, or a phone call, but that I was willing to pay it off, it was only {$120.00}. The agent said the adverse account would be removed from my credit report. 
In XXXX as I 'm trying to purchase a home through XXXX, I was informed that the same adverse account was still on all XXXX credit agencies, so instead of calling XXXX this time, I called the agencies and disputed the item ; the item was deleted from XXXX and XXXX, however, upon investigation from Transunion, XXXX denied to have the item removed, so I was told by the reporting agency to call XXXX myself and dispute it directly with them. 
After weeks of trying to reach someone that could help me with the issue, I was told that they ( XXXX XXXX have nothing to do with it and that TransUnion never contacted them, but even if they ( TransUnion ) did, XXXX can do nothing about it, which contradicts what I was informed by the TransUnion personnel who assisted me with the investigation. 
This negative item is on my credit report, and I had nothing to do with it considering XXXX made a mistake by not informing/contacting me of a final bill of only {$120.00}. It has been hurting my credit score and for that reason I am not being able to use my Veteran 's benefits to purchase a home. 
TransUnion had me contacting XXXX and XXXX do n't want to have anything to do with it.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have been a valued AMEX card member since 2013 and happy with their services. However, in XX/XX/XXXX, I have applied for the American Express platinum card with the sign up bonus of XXXX Membership reward point after {$3000.00} spending. I used this card for my daily spending. After one month, I met the requirements, and American Express posted the XXXX points to my Membership reward account. On XXXX XXXX, I noticed that Amex had reversed the XXXX points on XXXX XXXX with no explanation whatsoever. I contacted the CSR and gave me a case number, but told me no reason. On XXXX XXXX, I called the back number on the card, tried to figure out what exactly happened to my points. I was told that my points been reversed was because my spending did not meet their requirements. Since I had received my points after {$3000.00} spending, and AMEX already posted it to my account, I had no doubt regarding what is qualified for the spending. Now, after two months, which already exceed their promotion period ( 90 days of opening account ), AMEX came back and told me my spending was n't qualified??? Are you kidding me? IF it is not qualified, then I should have known. If it is AMEX 's own IT or Tech problem, then I should be granted to their own mistakes!!!! BUT, they did not do anything, so I decided to cancelled the card without any hesitation. 

BUT, this afternoon, I received a call from Membership Rewards, a lady told me my reversed points were still under review, because there was an error regarding of what I had purchase on my platinum card, so she said it might take couple more weeks to finish the review. I told her I had closed my account already, she said if I wanted to continue this investigation, I had to reinstate my account. BUT there is no guarantee of what could happened to my account. 

1. I only asked for extended time to make qualified purchase, since I am the only covering AMEX 's own fault!!!! BUT they would n't grant that!!!! 
2. Since I already closed my account, why are you guys telling me this further review, and suggest me to reinstate!!!!!!!
Consumer complaint received 2016-09-08
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: PLS GROUP, INC (IL)

I put {$100.00} on PLS XXXX prepaid card back in XXXX XXXX for services with XXXX. I was n't able to get the services, and XXXX refunded my money back to my card, but PLS will not release my money back to me after XXXX informed them that I did n't get their services. I, and XXXX, have repeatedly called PLS XXXX department to inquire about why they wo n't release my money and they have been doing nothing but lying about when my money will be released ( XXXX XXXX, XXXX, and now the XXXX ) are giving me the runaround. I ca n't get a supervisor on the line, I ca n't get my money.
Consumer complaint received 2016-07-27
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (MS)

today is XXXX/XXXX/16 Dear cfpb, I have a cash only prepaid debit card with bluebird, handled by American express. I can only add funds to it by going to XXXX, with cash. An electronic transfer was made into this account by an online credit union on XXXX/XXXX/16 for XXXX cents. On XXXX/XXXX/16 another online transfer by the same credit union in the amount of {$2500.00} was made and then withdrawn 5 hours later. Later the credit union realized their mistake and asked bluebird to return the funds which were already withdrawn from my account. Bluebird refunded what funds were left in my account to the credit union, {$190.00}. All these transactions were done without my knowledge and I was not aware of this until I went to use my bluebird card and found out it was frozen. 
I 've called both the credit union and bluebird countless times with an unbelievable assortment of stories. I just want my {$190.00} back. Its a cash only prepaid debit card, this is a pretty much an open and shut case, but American express refuses to help. I gave the credit union the transaction numbers that were given me thru emails but they said those numbers do n't match ones they typically use and could not talk to me further about the matter.
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

I was evaluating Wells Fargo Home Mortgage to determine if I would like to utilize them as a provider of my mortgage for a home purchase. The Home Mortgage Consultant told me that a Conventional Loan was cheaper than a FHA Loan, saying that the PMI was " way higher '' on a FHA Loan. I asked him to show me the math via an Amortization Schedule for a Conventional Loan and a FHA Loan. Other mortgage companies were able to send me a document for each loan type generated from a system they utilized. This Home Mortgage Consultant sent me XXXX links to pre-populated variables at XXXX, XXXX for a Conventional Loan, the other for a FHA Loan. The variables can be changed on the site instantly. When asked to back-up the amount of PMI being factored into each table, the Home Mortgage Consultant was unable to back it up. Though the XXXX other mortgage lenders had different amounts of PMI on the Conventional Loan, the quote from Wells Fargo was arbitrary and from a third-party website that can be manipulated. The numbers can easily be changed to make XXXX option seem better than another without any accountability.
Consumer complaint received 2021-05-16
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: CITIBANK, N.A. (IL)

I had a payment and it was late a few days. I immediately called to resolve and they said it would not be reported and even reversed the charges, They still reported and on some of my credit accounts have as a missing payment, which is incorrect because I resolved. I have called several times and they said it should have been removed.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Almost 1 week back, I withdraw XXXX from my WellsFargo account to deposit the money in my XXXX account. The reason I wanted to move money was to avoid penalty charge on the " XXXX '' account for not having minimum balance. 

I could have chose to deposit the check but as I was nearby the bank and did not have check book with me, I chose to withdraw actual cash using my debit card and deposit it into " XXXX '' bank XXXX ft. away. I was given with XXXX bills of {$100.00} each in an envelope. I walked to the nearby " XXXX '' bank and tried to deposit the money via ATM machine in the lobby with the help of bank representative. Only XXXX bills got accepted and XXXX got rejected. The rejected money was then taken away by the representative and deposited manually. I returned to home and got a call from the " XXXX '' bank that the bill that was rejected was counterfeit bill. After I explained that the money was withdrawn from Wellsfargo bank the teller suggested me to go back to wellsfargo and ask for an exchange. He also gave me his business card in case wellsfargo bank representative wants to talk to him. 

On returning to WellsFargo, they refused to accept the money. They say as the money was out of door they can not guarantee it. How could anyone check so many bills before they leave the bank. And where would I get XXXX counterfeit bill. I simply trusted the bank I bank with. I trusted their teller and I trusted their counting machine. 

I suspect, one of the employee mixed it after accidently accepting it from someone. Or there could be another organized group within the bank similar to the wellsfargo fraud that got publicized today. I do n't know. All I know is, I lost {$100.00} for nothing. 

I had been member with WellsFargo for 10 years and they could not trust me on {$100.00} bill. There is no way I can trust this bank any further.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

The collection age ncy Collection Services of Athens failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. The y did not produce the documents establishing liability to them. In  US la w encyclopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Collection Services of Athens b ack on  XXXX  and I received a bill which does not equal validation. I have disputed this with  XXXX  and they stated that the debt has been verified which is inaccurate and inval id. Co  llection Services of Athens h as not properly validated the debt within the 30 day time frame and are continuing to reporting invalid and inaccurate information on  XXXX .
Consumer complaint received 2021-03-10
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 XXXX ... XXXX XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : 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 2016-07-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

PLEASE NOTE : TECHNICAL PROBLEMS WITH CFPB " DISPUTE '' SECTION -- " SUBMIT '' BUTTON DOES NOT WORK. 
RE : CFPB XXXX Dear CFPB, I tried to dispute Union Bank 's response to my initial complaint earlier this week. However, there are some technical problems with your " Dispute '' section/ '' Submit '' button. The bank partially addressed my issue. 
I appreciated the response from XXXX XXXX, Office of the President, Union Bank. I also appreciated her reversing {$60.00} of the fees that had been charged to my account ( $ XXXX/month x three months ). 
On XXXX, at XXXX XXXX, I spoke with XXXX at the XXXX XXXX, XXXX Union Bank Customer Service Center. She said that I was never charged any bank monthly fees " until XXXX. '' XXXX said, " new bank fees went into effect XXXX. '' However, I 'm afraid this is not true. I have a large stack of paper bank statements ... all of them show {$20.00}, or {$18.00}, in monthly fees charged to my account. I was charged these monthly fees long before XXXX. 
I called the XXXX XXXX Customer Service Center again, on XXXX, at XXXX XXXX. XXXX. I wanted to confirm the amounts of the fees charged to my account. The employee who answered the phone ( and I 'm afraid I did not get her name ) put me on hold XXXX different times to talk to her supervisor. The third time, I was put on hold for about seven minutes ... no one ever came back on the line. 
At the time I first opened a " Signature Banking '' account, I was renting a room from relatives in XXXX XXXX, XXXX. Currently, I am paying full market rental rates in XXXX XXXX, XXXX, where I help to take care of my XXXX mom. My savings are dwindling rapidly. I feel that Union Bank discriminates against lower income customers. If XXXX is in " Signature Banking, '' no fees are charged. But if you are a lower income customer, with a " Bank by XXXX '' account, for example, monthly service fees are assessed.
Consumer complaint received 2016-09-08
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I am a veteran of the United States XXXX XXXX and due to the worsening of my service connected XXXX I have been unable to work since XXXX 2015. Subsequently I lost a substantial portion of my income and have been unable to afford my mortgage. Wells Fargo have repeatedly refused to work with me they denied me for XXXX different programs for reasons varying I make too much money for one program and not enough for the others in an attempt to displace me from my home and put me on the homeless veteran rolls. I went through Wells Fargo Home Preservation Department as well as reaching out to XXXX to lobby on my behalf and they have rejected all attempts to remedy my situation in favor of repossession. I am currently 2 months behind on my mortgage and am desperately seeking to refinance to a lower interest that would make my payment affordable but Wells Fargo began reporting to the credit bureaus once I was late and my credit score was lowered from a XXXX to a XXXX making it next to impossible to get a lending agency to refinance my loan. In effect they sabotaged my effort to get an affordable payment based on my now permanent XXXX status and VA income in addition to refusing to help me in any way instead advising me on the phone to sign my house over to them or complete a short sell on my home were the only options they gave me. I served my country honorably and deserved better than this please contravene on my behalf that I may have justice and a favorable outcome. I 've worked hard to get my home after a divorce left me bankrupt a few years back, I worked and saved to get my home and I fully intend on keeping it. Thank you for your help.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

I applied for Bank of the west checking account promotion online since they were offering {$150.00} credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until XXXX XXXX to receive the bonus and they never told me that I am not qualified since another house hold rep received a bonus this year which is not true. 
I am checking my tax returns for last year 2015 and I do n't see a XXXX interest income statement from Bank of the west and I do n't have any promotion applied to my account this year either. Same is true for my wife since we file taxes jointly and no other household reps lived at my house.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went to check my credit and seen I owe money I never knew i owed. i never applied for anything. i always keep track of what i spent and what I owe. my credit score is low and im trying to build it but i dont want to be responsible for someone else. somebody is using my information. plz help
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Canceled a service due to false and inconsistent availability of service. Communicated this cancellation to credit card company prior to canceling so I will not incur the monthly charge. Credit Card Company decided four months later to honor their cancellation fee when I had established that the merchant had no right to charge my card. Credit Card company gathered information from the merchant and decided they would honor their request. Credit Card company advised me they received information and after thoroughly reviewing the case they could not assist me. Upon reading their case, I found the merchant has provided them with a credit card agreement form with a invalid date of signature. Meaning, the merchant provided them a false document. The merchant provided them an agreement form of 2013 when services were not rendered nor established an entire year subsequent to this. Clearly, the merchant has gone through many obstacles to get paid ; even providing false documentation. When I advised the credit card company, they stated they will not get involved ... .although they did because they acting as a third party and granted a payment without my authorization.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 
I have not been able to get help from them but I just remembered I could file a report on here, as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. 
They are also holding my money too for over 180days, and everyone needs money during this rude period of covid19. 
My email linked to my PayPal is " XXXX '' Thank you so much for your help : )
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CA)

XXXX XXXX was the original owner of this collection which showed up on my credit report 2 months ago as being opened in 2011. This is not my account. I filed a police report and provided XXXX and XXXX XXXX a copy. XXXX XXXX removed it from my XXXX account a week ago, sold the collection to Enhance Recovery and as of 2 days ago, started reporting under XXXX. I am assuming as soon as they remove it from XXXX, they will report it to XXXX. They are playing games knowing this was an identity theft and a police report has been provided.
Consumer complaint received 2016-09-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I submitted a HELOC loan application XX/XX/XXXX along with my supporting financial information including proof of income, tax returns, and home owners insurance information. After not hearing from the bank ( Citizens Bank in the XXXX XXXX Branch, XXXX, NY ) for several weeks I called the branch to learn that the bank employee that was 'handling ' my application and who had custody of my personal financial information, had left the bank. When I enquired where my information was, the bank employee told me he did not know but he would look for it. Later that day he called me to tell me they found it in a drawer of the former employees desk. I then requested the branch mail my financial information back to me. After a week and a half I had not received the information and I called the bank and spoke to the branch manager who told me she had it and if I wanted it back I had to come into the branch. I did so. At that time I lodged a complaint with the regional supervisor of the branch. At that point the regional manager asked me if I still wanted to proceed with the HELOC loan. I told her I did not as all I had were problems with this branch ( see a current complaint I have pending with this branch regarding fraudulent loan practices ). She then told me the bank would discontinue my application. I then told the regional supervisor I wanted to lodge a complaint against the branch for the shoddy mishandling of my original application and personal financial information. She said she would but after several weeks of not hearing from her nor receiving anything from the bank acknowledging my complaint I escalated the proceeding to the 'Office of the Chairman ' Two weeks later I received a 'rejection letter ; for my HELOC dated the day after my request to have my application withdrawn. The reason they gave was 'excessive loan to income ratio ' Since the bank never had my income information ( found in a desk drawer of a departed employee ) One other totally amazing fact about my so-called rejection letter, they rejected me for a loan I never asked for! They claimed it was for {$190000.00} when the fact of the matter was, it was suppose to be for only {$90000.00} I maintain that the banks rejection of my loan was discriminatory and vindictive because of my complaints and withdrawal of my application. The upshot of all this is when I told the banks 'Office of the Chairman ' they said they would investigate all these matters. To date they have not done so nor have I been informed in writing by the bank about my complaints. 
One final thing, according to my FICO score which the bank sent me it was XXXX!!