davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

In XXXX of 2022 I opened up a Wells Fargo checking account and had opened it in part to receive the XXXX dollar bonus that would come after 90 days of the account being opened. I experience a horrible headache trying to succumb my bonus of XXXX dollars and the bank determined I could not get the bonus, HOWEVER, I received in email stating due to the inconvenience I would get XXXX dollars as a courtesy credit. I did not get that neither. This is why Im reaching out to CFPB not for the bonus but for the funds I was told to receive that the bank is stating they never stated. I have called Wells Fargo over 7 times since opening the account. At first it was trying to see about the Bonus, but very recently it has been for the courtesy credit since a determinations factor of the bonus had already been denied. I do not have the email any longer from Wells Fargo but I believe that they should as they are the ones that send them out. I can only view the email for up to 60 days before it is deleted and it has been well and over that deadline.
Consumer complaint received 2016-05-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (NY)

I require your assistance to have a check card, closed, given card account is currently held under my name, as a former employee of XXXX XXXX services in XXXX, USA. Further note as of XXXX/XXXX/2016 Money Network with an address in the state of XXXX, refuses to close this check card. It is possible that the intention of Money Network is to levy so-called " nominal fees '' on my person, said fees are a burden as I am unemployed. How hard can it be to close a check - card? 

The contact information for Money Network is as follows : Money Network XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX P:XXXX Concluding statements Finally, formal order to close this check card/account which holds an unnecessary balance of US {$0.00} borders on dead accounting. As such this account is needed, and once again must ethically be closed. Thanks for considering the preceding.
Consumer complaint received 2023-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

I enrolled as a student with XXXX last quarter of XXXX. I went through the admissions process and became eligible to start classes for the spring semester. I relocated from XXXX to XXXX MN and signed up for classes before end of XX/XX/XXXX. When I was scheduling for my classes a financial aid advisor began to request information, I already submitted using baseless arguments. For example, he insisted I must provide transcripts from a school that was no longer open, the school was closed for fraudulent activity almost a decade ago. He kept threatening to cancel my loans because the department of education won't pay for the same college credits. I don't have a XXXX, XXXX XXXX or any XXXX XXXX. The only certification I have from previous education is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every time I presented documentation to show his concerns were unmerited made him double down on his antiques. He rejected or canceled my XXXX XXXX stating I wasn't eligible without my consent. I escalated the issue and he presented to his oversight documentation after he cancelled the loans to show no loans were ever approved and I was unable to pay for the course I had applied for. I was scheduled to take a final exam XX/XX/XXXX and then advance to the practical training but my classes were dropped and told to start over next semester. I was relying on my XXXX XXXX for my living expenses.
Consumer complaint received 2016-07-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NV)

I took out a payday loan with Cash Central. Over the last year, I have taken out several loans from them and paid everyone back in full. My situation changed drastically after I took out my last loan. I lost authorization to continue to use the checking account I was using. My checks stopped going into that account as well. I contacted Cash Central to explain to them I no longer had access to that account and see if I had options. I was told " I signed a contract for a single payback, not a long term payback ''. I explained to them my situation again asking for assistance. They told me they would continue to try to charge that account. The owner of that account issued a stop payment on CASH Central through XXXX XXXX using the vendor ID. once cash central was notified of the stop payment, they had offices in other states with different Vendor ID 's attempt to run the payment through generating over {$100.00} in overdraft fees. On XXXX seperate occasions I told CASH Central through their web based assistance option that they no longer had authorization to charge the account on file. They told me I had to call to make that change. I have called twice now and told them verbally the exact same thing and asked for repayment options. Rather than work with me, they lecture me on fiscal responsibility and reiterate that I signed a contract allowing them to charge the account on file untill they are paid in full. Wednesday, I spoke to an agent for approximately 20 minutes explaining to her, yet again, my situation. I told her my intent was to go obtain an pre paid debit card today and call them to begin making payments. She told me, yet again, that they would charge the account on file as they would not accept multiple payments to pay off this loan. I reiterated to her that neither myself, nor cash central had the account holders permission to charge the account. She immediately began talking about " our contract '' again. This morning, I received an email from Cash Central letting me know that I had option available to repay this loan. They sent me this email at XXXX and by XXXX had already tried to charge the account they no longer have authorization to charge. I have now made several attempts to make alternate arraignments to no avail. On each interaction, they talk down to me, they threaten to continue racking up overdraft fees in this account till I pay them and are 100 % unwilling to work with me to resolve this matter. I feel like I now have no other choice but to file this complaint in the hopes that they will stop charging an account they are not authorized to charge any longer.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (WA)

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US BANK is unreasonably holding my social security deposit. 
Federal government benefits like social security benefits are protected from withholding. 
Also, generally government checks like social security checks deposited into a bank account have to be made available by the next business day. 
And your response dated XX/XX/2023 to my CFPB complaint # XXXX does not address the key issue of the unreasonable hold to my social security direct deposit completed on XX/XX/2023. 
To date, US Bank has held my social security benefit direct deposit for at least 9 days. 
The length of the hold on my security benefit deposit is unreasonable. 
US Bank did not provide prior notice for the need for a longer hold on the availability of my social security benefit deposit.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I logged into my account today to find a {$29.00} membership fee charged to my Capital One Secured MasterCard. Let me start by saying it is not the amount that is the issue, but the fact that this charge was never disclosed to me. I spoke with XXXX representatives from Capital One via online chat. Both individuals told me there was no option to waive the fee. I provided several links to the specific credit cards terms and conditions, XXXX of which highlighted XXXX of the perks of the card as " {$0.00} annual fees. '' After an hour of disputing, they still refused to remove this charge and I feel deceived, taken advantage of and inconvenienced. As a young military spouse I will be paying off my account and switching to XXXX.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My loan with Ocwen is on auto-payment and they reported payment as late XXXX 2016 preventing me from closing on my escrow. 

I am a XXXX of XXXX, a XXXX. 

I was XXXX to XXXX in XXXX, the month of the reported late payment. 

I submitted a copy of my orders to XXXX and duty sheets. 
I submitted a copy of a letter from my XXXX XXXX. 
I submitted a copy of my banks statements, my XXXX accounts for XXXX. 
Go to inciweb.nwcg.gov XXXX see attached screen shot XXXX XXXX while XXXX the automatic payment failed because I was completely unable to transfer from XXXX account to the account Ocwen debit from until XXXX XXXX -- when I was not yet 30 days late. 

On XXXX XXXX on my bank account page XXXX which Ocwen debit from to see that I transferred {$1900.00} from my XXXX XXXX XXXX XXXX 

The bank teller told me Ocwen was attempting to pull the dollars owed again because she could see an Ocwen withdrawal pending on her screen. She showed me the screen. I was satisfied I would n't be late & Ocwen 's information should match. For whatever reason Ocwen 's pending debit did not happen. 

If I did not believe the screen I 'd have phoned my payment in and not been late! 

I very clearly intended to pay & arranged for the payment to be on time. 

I feel I qualify for the XXXX Code on my credit report to prevent the dropping of credit scores due to XXXX disaster.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (OH)

A checking account was opened from Truist on XX/XX/2023 with promotional code XXXX. The terms of the promotional code is to make two qualifying deposits totaling {$1000.00} or more within 90 days to earn {$400.00} bonus. The {$400.00} bonus will be posted within 4 weeks after requirements are met. 

I finished the two qualifying deposits on XX/XX/2023 but no {$400.00} bonus after 4 weeks. On XX/XX/XXXX, I provided permission to my wife to discuss my missing bonus issue with Truist customer service representative. My wife was told there is no promotion code was attached to my account. My wife offered to provide a screen shot that shows XXXX promotional code was applied to my account during the checking account application process. The customer service only stated she will elevate my issue up to the management team and have the management team to respond. My wife requested the customer service to write down she can prove the promotional code was applied from a screen shot. 

No call back from the management team at all.
Consumer complaint received 2023-07-13
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. (WA)

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed inquires from XXXX XXXX to XXXX XXXX because they were unauthorized, They sent me a letter telling me to contact the company, when i did contact the companies they did not respond either. I sent another letter telling transunion that and they sent another letter saying that all inquires are accurate to contact the creditor. I called transunion and they removed them only to add them back on my report 2 weeks later without a notice. A car loan from XXXX i disputed because i never agreed to a car note. I contacted the people who had the car and they told me that there was nothing i could do even though i was not liable for that account. When i disputed the account they told me they got information that it was my account. I asked them to send me information that helped them reach that answer and was told they couldnt sent that information to me it was against the law. 
The collection account listed is not reporting right, i asked them to remove the inaccurate account and i never got a result letter in the mail. for 2 years i have been disputing the negative accounts because they were inaccurate to only get the run around.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XX/XX/2015 I hired a law firm to do a modification on my loan because I was having problems with my mortgage payments from XX/XX/XXXX to XX/XX/XXXX I did 3 trial payments XX/XX/2015 was my 1st normal mortgage payment, in XX/XX/2015 my mortgage company made a mistake applying my XX/XX/XXXX payment to the mortgage principal And they admitted to the mistake and they told me on a recorded phone conversation that they were going to fix and reverse there mistake, then around 8 months pass by and I get a call from the mortgage company telling me that I am pass due 1 month due to the monthly payment they did n't recived back in XX/XX/2015 the same payment they admitted they made a mistake on in that same call they told me that they were going to open an investigation regarding this matter they told me to wait for a call from there supervisor, I get many more calls from many persons from this mortgage company all of them telling me that I am pasado on up to 2 monthly payments when I sent them proff that I have sent all of my payments on time. I have never heard the results of there many investigations that they have performed on my situation. Since then mi credit score has dropped a lot and the late fees keep on staking up. Thanks
Consumer complaint received 2023-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WV)

My bank USAA put my account into Inactive Status, which then accrues no interest for 3 years, and did not notify me they were doing so. I routinely checked the account to make sure there was money there, and it was linked to my checking via overdraft protection, but nothing indicated it was actually " inactive ''. The account status was not indicated on their website when I checked the account, I received no email nor paper mail about it, nor any other communication about the change in status. I only found out when I tried to move money out of the account and had no way to access the account as it had been disconnected from all ability to move money in the account.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

In relation to my previous complaint, XXXX, I have encountered further issues with Comenity Bank 's handling of my Express Credit Card account. Despite multiple attempts to resolve an identity theft issue that resulted in over {$7500.00} in fraudulent transactions on my account, the bank has failed to address the root of the problem : their lack of robust security measures. 

After the resolution of my previous complaint, which concluded with Comenity Bank closing my account without notification, I attempted to contact them for further discussion. When I called their customer service line and entered the last four digits of my social security number, I received an automated message that my account was closed and there was no further action I could do. This action was taken without my consent and without proper notification, and will cause a negative impact on my credit score. 

The lack of security measures in place to protect customers, especially those who have had their social security number stolen, was not addressed in their response to my previous complaint, nor was any XXXX given that measures would be put in place to prevent similar fraud from happening to others.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation (IL)

Due to the complete lack of organization, overriding negligence, and careless mistakes we were 13 days late from our agreed closing date. The calendar days ( not business days ) are extremely important because we had repairs needed on the house that were not just cosmetic, they were for health reasons for our daughter ( and there was mold ) and the construction takes into account weekends. The construction company had planned on using all available week and weekend days. 
Due to the lack of operational and industry knowledge of the new rules and regulations on on the mortgage company 's side, Academy Mortgage, we were forced to change everything with our move. We had to rebook moving companies, get storage for our possessions, and forced to stay weeks at hotels. We issued a claim against Academy Mortgage to cover our costs associated with the missed closing date and financial impact this caused our family. We submitted a letter detailing what they had put us through and their negligence ( not running title searches when they should have, incorrectly informing us of actions needed, having us fax IRS transcripts to their organization, etc. ). 
The letter explained that the days we had to stay in hotels was XXXX because of our post possession closing gave our contractors an actual of 19 days to get the work done. The letter detailed the financial loss and stress they put us through and they responded with incorrect facts. I ca n't believe in this day and time the level of negligence, lying and mistakes allowed to occur and impact consumers financially is still allowed. We are looking for Academy Mortgage to cover our losses caused by their organization. We are not seeking ( at this time ) reimbursement for lost wages, food or other losses, we are only seeking reimbursement for the direct financial loss of the hotel stays needed for the delayed closing.
Consumer complaint received 2016-06-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Over four weeks ago, I found out that Ditech.com reported that I had a late payment XX/XX/XXXX. 
I have called, emailed, spoken with XXXX different people including supervisors. After speaking with XXXX, who was very nice, I was assured I would get a letter from correspondence stating that I never had a late payment XX/XX/XXXX. Today, I got a letter and this is all that it said : " Please be advised that as of today 's date the account is current and next due for XXXX XXXX, XXXX. There are currently no outstanding late fees. " The people over the phone confirmed that I have NEVER had a late payment with and NONE should be showing up on my credit report. 

I have requested a letter from Ditech requesting that in writing and was promised I would received one. It seems like they are purposely trying to ruin my credit rating. 

I am attaching the payment history that was sent to me by Ditech.com, screenshots from their website showing my account history and when my payments were made XX/XX/XXXX and a screen shot from XXXX website showing the false late payment.
Consumer complaint received 2016-07-29
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc. (TX)

In 2014 I pulled up my credit report to view it and seen there were XXXX addresses tied to my name and the were sending me debt collection bills. I immediately went to make a police report and stated that I had never lived in that city. I recieve harrassing calls from Pro Collect Inc., even after I have already sent in all my documentation showing proof that I never resided there.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (WA)

I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for XXXX XXXX and US Bank. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history