davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo keeps asking for additional information ( tax returns ) and said the IRS rejected my request for tax returns without reason they said. I can not believe they rejected my request for returns given to Wells Fargo without reason. Wells fargo says they can not process my modification without tax return authorization. THEY also said they did not require last 2 years of returns in prior conversations as I have P/L statements that will be just fine the representative said for XX/XX/XXXX 2016 NOW they are changing their mind and requiring the information that they said was not required. THEY are just trying to force a short-sale of my home by being so confused and delaying things for many months that I have specifically talked to them about the documents they requested, GIVEN them XXXX all the documents and it seems to be NEVER ENOUGH and they keep changing their minds on what they need. THIS is HARASSMENT against me and I am sure they are NOT FOLLOWING FEDERAL GUIDELINES.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

At some point during my relationship with a Citi Bank Credit Card account, billing was defaulted to electronic and sent to an email address I no longer use. 

The bank auto-called and indicated I was behind in payments around XX/XX/XXXX. My wife called the company on my behalf on XX/XX/XXXX, negotiated a late fee to be dropped and paid us up to date, and at that time we requested the account be closed. 

Fast forward 2 months and I get another call from the automated service indicating I am behind in payments and have 2 months in late fees on our account. 

I called to find out that they did not close the account, and kept sending bills to my old email address. I asked that my information be updated for communication purposes, and after a few conversations the rep indicated my account would be closed and brought to a XXXX   balance. 

Today on XX/XX/XXXX I recieved a call from Citi indicating I am still behind in payments. I called and spoke to a rep, and eventually a supervisor that asserted that there were no notes indicating we requested the account closed in XXXX so therefore it was not done. Further, they indicated since the card was paid up 2 days late, the system must have added a late fee when my wife requested pay-off info. 

I am now looking at paying another {$81.00} in late fees to XXXX my account out, but strongly feel that this incident is a clear failure on Citi 's part to do what we requested, and vehemently disagree with the supervisors assessment of this case.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I contacted Paypal credit and advised that I line in the state of New York and that I wanted to defer payments and see if they can assist with crediting the interest. The associate stated that the account is with a consolidated debt service and that she can not assist. I requested a supervisor ( XXXX ID # XXXX ) and she stated : " That she can't mess with this account '' I stated I did not want her to " mess '' but to help with a deferment or crediting interest. She did not assist and I would like some action taken in regards to deferring payments or crediting some interest charges.
Consumer complaint received 2020-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent in a few letters to Equifax and I they still haven't responded to the letters its been well over 30 days my first letter was sent out XX/XX/2020. I  also sent a follow up letter and got nothing from them.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

HAVE COSTCO VISA CARD WITH CITI BANK. THREE ORDERS WERE CANCELED BY COSTCO. HOWEVER PENDING CHARGES STILL SHOW ON MY CREDIT CARD FOR OVER {$3700.00}. HAVE SPENT HOURS ON PHONE WITH COSTCO AND CITI. 
COSTCO SAYS THEY RELEASED CHARGES. CITI REFUSES TO RELEASE CHARGES AND SAYS THEY WILL NOT DO SO FOR 30 DAYS. I WANT CHARGES FOR CANCELED ORDERS RELEASED FROM PENDING CHARGES.
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (DC)

Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. 
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX Auto Financial XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2019-04-10
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: WELLS FARGO & COMPANY (CA)

I have submitted complaint with CFPB no : XXXX in the month of XX/XX/XXXX and while closing the complaint Wells Fargo gave me letter that due to merchants mistake all problems happened and they have reported all the credit bureaus to REVERSE the late payment reporting on my credit report. 

It appears that only late payment reporting by Wells Fargo on my XXXX   credit report is removed but on XXXX and XXXX is NOT REMOVED. 

I am buying a home and again and again Wells Fargos issue give me a problem. I have raised earlier also CFPD in this respect and Wells Fargo official called me and told that they have already intimated to credit bureaus to reverse all the late reporting and bit may make 30-60 days to disappear all the late reporting. 

this decision was made to revert all the credit reporting in the month of XX/XX/XXXX. Its now XX/XX/XXXX. SEVEN MONTHS.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One continues to Report a balance owed on my account in my credit report, after this account was sent to collection/charge off in XXXX. They continue to raise my amount owed on my credit report although in collections, this continues to lower my score and shows my credit utilization is at 206.40 %. 

I have spoke with collection agency to settle debt as well as Capital One who have threatened to continue to report increasing balance if I do not pay in full. This account was to be taken over in XXXX of XXXX through a divorce decree and is not my liability at this time and is my ex-husband 's however to settle the debt so I can re-establish my own credit, I was willing to pay a settlement of which I could afford. 

However, they continue to report after sent to collections of an increasing balance. Captial One will not work with me or the collection agency to correct this debt and have removed as a liability from my credit report. As well as help settle this debt. 

How can no one work with me to accept what I can offer to pay or I can wait for the statute of limitations in XXXX and have it removed then?
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

Dear all, I booked a return flight for XXXX from the US to XXXX using points from my Chase Saffire Reserve account, on the Chase Travel portal. The flight involved two different airlines - XXXX XXXX and XXXX. Flights were later cancelled due to COVID. I requested a refund through the Chase online form. I then received an email saying I could only request vouchers from the airlines and couldn't get a refund. I did that and got two vouchers. I was later informed that it is illegal to force a voucher and I should have been offered a cash refund option, so I called Chase back. They refunded me ( in form of points back into my Chase account ) the XXXX XXXX flight, but said I had to contact XXXX directly for that flight. I called XXXX and they said I can't get a cash refund because I have already accepted a voucher. I told them I accepted it only because Chase told I had no other choise, so they said to discuss it with Chase. I called Chase several times and finally submitted a written request. They said there is nothing they can do and did not admit to their error, although i told them to review my recorded customer service calls to listen in on how I was given no choice. XXXX is not an airline I plan to use in the future and they recently cancelled the itinerary I needed for the dates I needed, so I had to book a new flight at my expenses. The mis-communication was between Chase and XXXX and I dont think it's fair for me to be stuck with a voucher I have no way to use. The total amount of the trip was {$560.00}, the amount that was not reimbursed was {$250.00} for a total of XXXX points ( I can't see how many points for each flight, but I was already reimbersed points back for the XXXX airline leg ).
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I have 3 visa gift cards that I received for a birthday, but never used because I moved and I thought I had lost them. I recently found them, and discovered that the balance is {$0.00}. My cards have been charged inactivity fees until there was nothing left. I have contacted the customer service number on the back and they will not help. They tell me I should have called to report the cards lost, but how could I do that if I didnt have the card numbers to give them? I ask to speak to a manager but they say there is no one available and they just redirect me to US Bank, the bank that issues the card, but they give me no number to call. When I asked for a number they said to just XXXX US Bank. What kind of customer service is this? They also said all they could do is submit a fee reversal request. I asked when I would hear back from them. They said I had to keep calling back, but they could not give me a time frame. That was 1 month ago and still they say nothing has changed and there is no place to complain to. I have read a lot of reviews for this company similar to mine. I honestly think this is a gift card scam that is just tricking people into to buying gift cards that they will never get to use. This company is tied to US Bank apparently, but when I reached out to US Bank they said they can not help. This company should be investigated for fraud.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I feel that I was directed to utilize the " forbearance '' option instead of discussing other alternatives/options. I had a $ XXXX loan which has now ballooned to $ XXXX as a result of the forebearance option. I was approved for so many forbearance 's every single time that I do not believe there was a limit or that I had other payment options. I have utilized my entire XXXX funds in order to pay for my loans and to be current on my loan. I currently pay {$1300.00} per month and I ca n't afford to pay this any longer. I need a reduction in my payment and I can only afford to pay {$300.00} per month without having to borrow from my XXXX or even take hardship withdrawals. Please help me!
Consumer complaint received 2021-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

Hi. This complaint is partially directed at the CFPB. CFPB previous closed a complaint against FedLoan and failed to verify that the file provided to CFPB by FedLoan, which you posted as adequate evidence, was even a valid file.

It is not. No application will open it. You could not possibly have completed an evaluation based on a corrupt file with no content.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter to Equifax Information Services LLC about two accounts listed as collections accounts on my credit file. In this letter I warned them of my intent to file a complaint with the FTC. To which I did not get a response yet again. 

I have disputed these incorrect accounts on my credit file NUMEROUS times over the last year. The accounts do not even have a creditor name, address, phone number, or any identitifying information that I could use to contact the creditor directly. Equifax is blatently ignoring my rights under the FCRA. Which I have made myself very informed on since trying to deal with these accounts. I plan to seek civil action against the bureau for violating these rights and laws. I have asked over and over for them to provide me with the creditors name, address, phone number but I have never been answered. These items have prevented me from securing financing that I have desperately needed. 

The accounts listed on my report are as follows : XXXX Account Number XXXX {$150.00} XXXX Account Number XXXX {$320.00} I faxed Equifax today again with a copy of the letter that was sent in XXXX. I have attached both
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (IA)

I use credit karma to monitor my credit. I know that XXXX of their partners is XXXX XXXX. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from XXXX XXXX in my email. I didnt no apply for any of their products. I didnt not authorize Credit Karma to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

I sent a payment to PennyMac to bring my escrow account into the positive after my year-end review. The payment was sent with a note specifically stating that the money was to be directed towards the escrow and not as a regular monthly payment. I sent a message through their online portal to address the issue on XX/XX/XXXX. However, I have received no follow up from PennyMac and I do not wish to communicate over the phone as I have done that in the past and been told the wrong information, which I could not prove since there was no 'record ' of the conversation.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX without any notice synchrony bank closed all of my 4 accounts before the closing my credit rating was XXXX FICO excellent payment history and credit utilization 9 % so there is not reason for them to harm my credit this way, this also can affect other creditors to do same because this would lover my score and would not approve any other new account that I will apply. I just bought a house this XXXX this new account confirm the income that I made I have a job no issues with my income, Syncrony bank is Affecting my personal financing and family all on this Pandemic and without a reason, I know that they are doing the same to many customers with good or excellent credit just for fear of the economic impact of this Pandemic this will affect any short, medium or longer project that I have in the future, I made Syncrony bank responsible for my credit damage and the consequences.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I was approved for a Business Line of Credit with XXXX XXXX XXXX in XX/XX/2019 and as a requirement to keep the BLOC active, there policy is that you have to open a business checking as well. So the banks policy is to use XXXX to check you consumer report with lexis nexis. Upon opening the account in XX/XX/2019 there was no freeze on or any other issues showing on LN. So on XX/XX/2019 I tried to cash a check against the BLOC at the bank and was informed that they couldn't because XXXX showed a frozen account with LN. I called them several times and they reported that the freeze takes 15 mins to be removed. Each time I called them back they said the system showed it was removed ... however after contacting XXXX, each time they said there was a consumer freeze. Enclosed you will find a copy of a letter I received from XXXX XXXX  showing the freeze current as of XX/XX/2019. Also I'm including a series of emails of me requesting the freeze being removed and showing LN,  admitting that there was an issue on their side and infact the freeze was still showing. This has been going on for a couple of months. This has placed financial strain on my company, because XXXX XXXX has closed my business checking account and refunded me the money I opened the account as well as closed my Business Line of Credit. I'm enclosing both emails to LN on removing the freeze ... one will show that I responded to LN that I will be filing a complaint against them and one shows me just recently requesting and update and again they repeated the same lie as in the past. Note on that email correspondence at the bottom, that they categorized it as closed. So what does that mean, closed. This mis handling of my account has caused me financial harm and weeks of wasted time trying to get this matter fixed. I want this matter resolved immeadiately, or we will be taking more serious measures. 


XXXX XXXX XXXX
Consumer complaint received 2020-07-06
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: MoneyLion Inc. (MA)

XXXX AND MONEY LION FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. MONEY LION IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE MONEY LION ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX  IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT