davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I noticed XXXX charges on our Citibank credit card that we did not make at XXXX XXXX XXXX XXXX. First charge was on XX/XX/XXXX for {$280.00} and second charge was on XX/XX/XXXX for {$1100.00}. I reported the fraud to Citibank on XX/XX/XXXX. We received a letter dated XX/XX/XXXX that the investigation was complete and that they did not find evidence of fraud. I called Citibank on XX/XX/XXXX and asked that the dispute be re-opened because we did not make these transactions. I wrote a letter to Citibank on XX/XX/XXXX detailing why this investigation should be re-opened. On XX/XX/XXXX, we received a message from Citibank stating they were looking into the dispute. Citibank also stated that we did not have to pay the disputed transactions or related charges during the investigation process. On XX/XX/XXXX, we received an email from Citibank stating that they had received additional information and had re-opened the fraud dispute and that we would either receive credit if deemed fraud or would receive a letter regarding the investigation. As of XXXX we had received neither. I wrote another letter on XX/XX/XXXX and mailed it certified with return receipt. They received the letter on XX/XX/XXXX. No response, so I called Citibank today, XX/XX/XXXX and was told the investigation was closed and no credit would be issued. All documents and correspondence is attached. Please help us with restitution as we did not make these transactions. We have been Citibank cardholders since XXXX and have an excellent payment record with them. We pay our obligations in full each month and their denial that fraud was perpetrated against us is frustrating.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (MO)

Towards the end of XXXX, I received a notification through my credit report that Fortiva had opened a new credit card account in my name. I had absolutely no knowledge of this or why this happened. 

In 2021, I had signed up for an account with Fortiva through XXXX. But it could only be used through them. That account had not had any activity for over a year. 

I reached out to Fortiva on XX/XX/XXXX asking them what happened. They said that they were upgrading me because they believed I would like that since the card could now be used everywhere rather than just at XXXX. They also said that they sent me an email in XXXX that I never responded to, probably because it went to spam. 

It is my understanding that companies are not authorized to simply close and open accounts for people without their actual consent, not just a lack of saying no. Otherwise why wouldn't credit card companies just send out tons of emails to people saying they are going to sign them up for a card unless they respond back. 

By doing this, they caused detrimental impact to my credit score. Not only did they remove an account that I had for over 2 years, which impacts my age of credit history but it also adds a new credit card that simultaneously shortens my average credit age and makes us less appealing for other offers since it shows we recently took out another credit card. I took a drop in my credit score immediately when this happened. 

Regardless of what Fortiva is saying about this being an " upgrade '', it is not an upgrade. I have had this happen with other cards where I was upgraded and the account number stayed the same, not impacting anything else. However this is not the case as it actually closed the old account and reopened a new one.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I have an insurance claim and the insurance check was sent to my mortgage company for them to send out to me and my attorney. They got the check on XX/XX/XXXX. My attorney sent in the adjuster worksheet and contractor bid on this day via fax. They told us they were going to mail the check to me that day. I did not receive it soon after so my attorney called to follow up on XX/XX/XXXX. They needed their XXXX form to release the check so my attorney faxed in their XXXX that same day. The attorney called to follow up on XX/XX/XXXX to make sure they got the XXXX, they confirmed they did but had not sent the check out due to processing times. My attorney again called to follow up on the check being mailed out on XX/XX/XXXX, they then told the attorney 's office that they need the type of loss and contractor bid or supply list. My attorney office sent this to them again, they originally faxed it to XXXX on XX/XX/XXXX. My attorney office followed up on XX/XX/XXXX, they told the attorney office that they received the bid and are processing the check and it will be mailed out in 5-10 business days. On XX/XX/XXXX, the attorney called to follow up, she spoke to loss draft department and they told her they now need the XXXX for the contractor. The attorney sent it in. They told her to call back wednesday ( XX/XX/XXXX ) to follow up on funds. On XX/XX/XXXX, attorney called to follow up, they told her they need a letter stating that the contractor is aware and ok with not being on the check and having my attorney pay them in disbursements. They got and sent this letter in the same day. On XX/XX/XXXX, my attorney called to follow up, they said the check was approved today. we requested that they send the check overnight and take the fee from the insurance check. they confirmed it would be done. they said the check would go out in the next 2 business days. On XX/XX/XXXX, attorney called to follow up because the check had not been received, the loss draft department said the check was mailed on XX/XX/XXXX via REGULAR MAIL and that regular mail takes 5-7 business days to get to you. The attorney asked for a tracking number, there was no tracking number done on the check. We continuously checked both of our mailboxes until today when it is the 11th business day. My attorney called into the mortgage company today to see where the check was. They told the attorney they THINK it was mailed on XX/XX/XXXX but that they tried to call me and couldnt reach me so that is why it was not overnighted weeks ago. I called in today as well to tell them to stop pay and overnight the check with my attorney on the line. They said it will be another 7-14 business days for them to stop pay, reissue, and overnight the check. I asked them to overnight it to my attorney and they said they " might '' be able to do that but the girl wasn't sure.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have had a mortgage loan with Wells Fargo since XX/XX/XXXX without any missed payments. My XXXX is currently at 56 %. 

I reached out to Wells Fargo regarding eliminating my Escrow Account. Well Fargo has refused citing a mandatory requirement that they can not by law remove an escrow account. They further stated that I must maintain an Escrow Account with Wells Fargo for the life of the loan according to the XXXX. 

I understand that the XXXX can require an escrow account to stay open, but Wells Fargo is not saying that they want the escrow account to remain open. Wells Fargo is stating that they are REQUIRED that I maintain an Escrow account because it is a XXXX XXXX, and the XXXX says that I have to have one. 

I have a saved chat transcript, and a word dictation of the conversations with Well Fargo representatives saying that they I am REQUIRED for the life of the loan to maintain an Escrow Account with them. 

Her is what The VA specifically says on the subject of XXXX XXXXXXXX : Lenders Handbook - XXXX XXXXXXXX XXXX Chapter 9 Legal Instruments, Liens, Escrows, and Related Issues Specifically Page 25 states the following 12. Escrow for Taxes and Insurance 9-25 Change Date XX/XX/XXXX This chapter has been revised in its entirety. 
a. Requirements XXXX  does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items. It is the lenders responsibility to ensure that property taxes and hazard insurance premiums are paid timely. A lender who chooses to escrow for taxes and insurance must comply with applicable laws, including the Real Estate Settlement Procedures Act ( RESPA ). 

The reason why I want to cancel the Escrow account is that Wells Fargo has committed fraudulent activities on this Escrow Account. 

I received a letter for my local tax office indicating that they credited 2 cents per one hundred dollars of assessed property value as a credit toward my XX/XX/XXXX property tax payment. 

Wells Fargo failed to apply that credit to my XX/XX/XXXX property tax resulting in an over payment for XX/XX/XXXX. Although small, this amounted to {$88.00}. I received a escrow statement from Wells Fargo on XX/XX/XXXX which made no mention of the {$88.00} reduced payment or credit in my Escrow Account. 

I made two call to Wells Fargo who indicated they they have not record of a reduced tax payment from the local real estate tax office. 

By Wells Fargo saying that they are required to maintain an Escrow Account is false according to Lenders Handbook - XXXX XXXXXXXX XXXX which I cited above, and it appears that Wells Fargo is conducting predatory lending practice against veterans.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

applied application to XXXX XXXX for a credit card and i was turned down buy consumer reporting agency for no credit history the reporting agency was equifax i have called twice switch you all over place and never get to a live person my application id from XXXX is XXXX have run my credit score XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I moved from XXXX to XXXX, XXXX in XX/XX/2017 should have no effect on credit score whydid citi bank not use other reporting agency beside just one thanks XXXX
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2023-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In my initial report ( XXXX ), The information that your staff reviewed and provided was inaccurate. If your staff conducted a thorough review of my account history and call logs, they would/should have noticed that the {$25000.00} mobile deposit was on XX/XX/XXXX, the same day that I reported the fraudulent activity/scam, and not on XX/XX/XXXX, as claimed in your response. USAA 's decision to reinstate my account for full access and reestablish a business relationship with me took place on XX/XX/XXXX, after I was contacted by the CEO 's office to notify me that after reevaluating my claim, it was concluded that I was not involved with the fraudulent activity and overturned the decision of me being liable. Which was not noted on my account. They also denied my resolution for reimbursement for money ( {$9200.00} ) lost to the scam, stating that I was reimbursed {$5600.00}. I was issued a check for {$3000.00}, which was the balance after charging off {$2600.00}. What about the {$3200.00} that was accumulated in my checking account while the account was locked?
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Maximus Federal Services, Inc. (FL)

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, XXXX, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : 1. A student loan account opened at US department of education on XX/XX/XXXX, under account number ( XXXX ). 
2.A student loan account opened at US department of education XXXX XX/XX/XXXX, under account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer XXXX credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Consumer complaint received 2023-08-02
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 (FL)

I hope this message finds you well. I am writing to address a matter of utmost importance concerning my PayPal account with the email address XXXX. 

I recently received notification that my account has been permanently limited, and I must express my deep concern and disbelief regarding this decision. I firmly believe that this limitation must have been placed on my account by mistake. I have been a loyal PayPal user for many years, and I have always adhered to PayPal 's policies and guidelines. 

I would like to emphasize that I have not violated any of PayPal 's terms of service or policies, knowingly or unknowingly. I take pride in conducting my transactions with honesty and integrity, ensuring that all my activities comply with PayPal 's guidelines. 

In light of this, I kindly request PayPal to reconsider and thoroughly re-investigate my case. I am confident that upon closer examination, it will become evident that there has been a misunderstanding or misinterpretation leading to this unfortunate limitation. 

I sincerely hope that PayPal will grant me the opportunity to rectify any discrepancies and demonstrate my commitment to upholding the principles that PayPal values. It is of great importance to me to have my account reinstated, as it plays a crucial role in both personal and professional financial transactions. 

I understand the need for security measures to safeguard the platform and its users, and I fully support PayPal 's efforts in this regard. However, I humbly request a fair chance to present my case and prove my innocence in this matter. 

I kindly urge you to treat this appeal with the utmost priority and urgency, as I am eager to reach a resolution at the earliest possible time. I have complete faith in PayPal 's commitment to fairness and am hopeful that my appeal will be considered with an open mind. 

Thank you for your attention to this matter. I look forward to a positive response and the reinstatement of my PayPal account.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a dispute to XXXX and Transunion, asking them to remove a collection that doesn't belong to me. XXXX and Transunion did not remove the collection after the investigation, nor did XXXX or Transunion provide evidence of the debt per my request. The collection reflected in my credit report is not my collection.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MO)

XX/XX/XXXX Consumer Financial Protection Bureau Staff, As a timely bill payer, I am destined to get to the bottom of my disagreement with American Express. I find it odd that American Express is the only company who gets late payments from me. I have been with the company since XXXX. I have had more late bills from them than all three of my other credit cards put together in the same time frame. I take my credit rating seriously, and will never intentionally cause a bad rating due to a lack of responsibility. 

It is my belief that customers who pay bills via US mail with American Express may be caught up in a web of late fees. When paying by mail, it is my word again AEs word. So what I did was pay by certified mail all bills to them after XXXX, XXXX. Not one payment was late. The bill arrived in four to five days, which is what was typical behavior. It just seemed suspicious that I get caught up with late fees at least once a year. The bill in question was sent off nine days in advance due to the XX/XX/XXXX holiday in XXXX. Supposedly the bill arrived in twelve days. Please view my attachments. You will see where the bill did not arrive by XXXX p.m. on XX/XX/XXXX, but did arrive before midnight on XX/XX/XXXX, but posted in an email on XX/XX/XXXX at XXXX a.m. I am in awe of the postal service delivering mail between XXXX and XXXX midnight on XX/XX/XXXX. 

CFPB, please consider the number of customers paying bills by US Postal Service versus the ones paying online. Is there a bias towards those customers paying by U.S. mail? Also, does my zip code have anything to do with my issue? 

I am attaching and numbering all the documentation. Some have anecdotal notes, and others do not. It has been a year now. I have tried to resolve this issue with AE several times. Everytime I attempted to drop it, my spirit would not allow me to do so. Self-avocation is very important. 

Thank you, XXXX XXXX.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In the process of selling my home, money came through on a wire and was not credited to my correct account. Instead somehow online two fraud accounts were opened and the credits were placed in those. I was unable to transfer it out and it was kept and I was not afforded to see both ledgers. 
The bank has not returned the credits to the correct Bank of America account. This has caused me great hardship. The amount was {$880000.00} which came in doubled as it should have. The bank called this an error. They did not follow gaap principles. A fradulent account was opened and the credits placed in them. My credits have not been returned, and not returned to the sender. They said these amounts were error codes. They refused to speak to me afterwards. 

I need your help Regards
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Below is my letter to DITECH stating the issue followed by their unjustified response. ; I included my Account number to them to ensure they could identify me by name or Loan Number. 
Before writing the letter we spent 30 mins on the phone to talk to a customer service rep who insisted that the {$65.00} fine for the {$61.00} deficit in the payment was justified and there was n't anything she would do about it. 
I think that more than 100 % penalty for an error originating from change in interest rate is egregious. 

Hello, I have been a loyal customer in very good standing since XX/XX/XXXX with XXXX before being transferred to Ditech about 4-5 years ago. 
Our payments have ALWAYS been on time on the XXXX of every month. 
For the First time in 13 years, the payment on XX/XX/XXXX was paid with an amount less than {$61.00}. 
Our payments for the last year have been {$1200.00} which we paid with Auto-pay. 
In XXXX, the amount changed to {$1300.00} and the Auto-pay paid the previously scheduled amount of {$1200.00}. 
This was NOT an intended dtefault in my mortgage payment. 
This was NOT an intentional partial payment for lack of funds. 
I have been slapped with a penalty of {$65.00} which is more than the amount I owe! 
Considering that this is the first time this has happened in 13 years AND considering that this was an honest overlook on the Auto-pay, I request that the penalty of {$65.00} be refunded to me as a good will gesture to a loyal customer in good standing. 

DITECH 's unjustified RESPONSE : On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Thank you for your recent inquiry. Ditech is unable to assist you at this time, as the information you provided can not be verified. 

If you are a Ditech customer, please visit www.ditech.comXXXX to register and log in, or contact our Customer Service Department at ( XXXX ) XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX. Central Time or send a signed request to : Ditech Customer Service XXXX XXXX XXXX XXXX XXXX, SD XXXX FAX ( XXXX ) XXXX Thank you, Ditech Financial LLC Customer Service