davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo, the worst bank ever, to manipulate your savings and checking accounts, to their benefit and create fees that lead to overdraft fees, when infact your account IS NOT IN A INSUFFICIENT STATUS! My wife and I are retired and on a fixed income. We have been banking with a local credit union for many years and a few years ago that there would be additional benefits to having another bank, so we opened a savings and checking account with a small branch of Wells Fargo, located in a XXXX store. We did notice when opening our accounts that the WF branch had " NO SECURITY '' what s ever. The Teller cages are in the open and banking clients are seated side by side and required to discuss their private and personal financial matters while being subjected to sharing a closet like room with the bankers and WF clients. This is totally against FDIC rules for privacy and security. We 've brought this security and privacy issue to the officers at this branch and they tell us that the WF home office is working on a plan, but this dialog just keeps going on year after year. My wife and I work with a WF assistance vice president/personal banker. We 've had the recurring problem, that Wells Fargo will manipulate our accounts, allowing them to charge fees for what they claim to be insufficient funds. They even charge fees to transfer OUR FUNDS from savings to checking. In seven days XX/XX/XXXX the stole a total of {$82.00}. When we went into the branch to discuss this issue with our WF ass't VP/personal banker, at which time she left this closet office, where my wife and I are standing shoulder to shoulder with other banking clients. She returned with a woman we had never seen or knew and this person proceeded to get in my face and without privacy or security and ordered us out of the WF branch, in front of XXXX and the whole world. Fortunately I walked away and since then I 've been attempting to have WF refund the {$82.00} they stole from us and now the Ass't VP, a employee of WF of XXXX years will not speak with us and refers us to the rude person who told us to leave their unsecured office. When I Googled ; Wells Fargo Complaints ; I could not believe what I was seeing. WF has XXXX of complaints for the very reasons we are requesting our {$82.00} to be refunded, which WF is dening. This is so WRONG in so many ways, and WF needs to make restoration to us and ALL the XXXX they are, have been and are continue to do illegally on a regular basis. Have you ever heard of the 21st Century Act, created by Busch, that supposively gives banks the right to extract funds from customers accounts without their knowledge and only finding out when WF notifies you that your account has insufficient funds and they'very charged your account with OD fees. 
WELLS FARGO NEEDS TO BE STOPPED FROM DOING THESE ILLEGAL ACTS OF THEFTS AND THE BANKS OFFICERS AND STAFF!!
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENOVA INTERNATIONAL, INC. (WI)

i received XXXX past due statements for loans in my name which i hadve never applied for/had no knowledge of -- from CashNetUSA. ( there are numerous online complaints about this company ). 

however i dont know if someone fraudulently opened a loan acct with cashnetusa, OR if the people at cashnetusa are fraudulently just trying to get me to give them money. 
my credit has been locked down for months and there is no record of this fraudulent loan on my credit report ( verified today ). 
XXXX notice last month was for {$990.00}. 
XXXX notice yesterday was for {$3800.00}. 
do I need to do anything
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (VA)

In XXXX, 2014 we received a loan modification on our residential mortgage from Specialized Loan Servicing , Inc., agent for XXXX XXXX XXXX, XXXX. During the modification process we were assured we would be able to refinance our mortgage after the modification to current market value and thereby get out of being " underwater '' by {$85000.00}. After repeated attempts to contact SLS we were told they do n't refinance mortgages. This is contrary to what we were lead to believe, and does not help us regain solvency as promised by SLS. We now have a mortgage of {$300000.00} and a property valued at {$200000.00}. This is hardly helpful and is little more than a sand pit that never gets emptied because the interest ( sand ) keeps filling the void. I am XXXX and do not have any earned income.
Consumer complaint received 2024-09-27
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: JPMORGAN CHASE & CO. (NJ)

I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XX/XX/XXXX I trust this matter will be resolved quickly, and I appreciate your cooperation.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I am having issues with CCO mortgage corp sending my Escrow back on a mortgage that paid off. I have an envelope showing that I had the payoff sent to my new address and I have contacted the bank and my address has been changed since XXXX/XXXX/2014. CCO mortgage is saying that I never changed my address and they are saying I did not and even if it is changed at the bank mortgage is a separate company and have no responciblity to look in to it. I am now being told they will not reissue a check until 30 days after it was sent out and then they have additional 30 days to mail it out. Also they do not have to transfer me to a supervisor.
Consumer complaint received 2015-04-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I had an overdraft fee of {$100.00} just about for TDBank. I go to open an account at XXXX Bank and I am denied due to the fact the back closed the account which I knew but hadno idea that it would go to a collection agency. Then I had paid it off and went to open the account because I was told that TDBAnk was only holding my account through their Credit systems and it would be clear. Well I went the next day to open my account and still could not. I need this account for my new job and it is very important. How can I fix this problem as soon as possible?
Consumer complaint received 2017-07-05
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. (NJ)

PROBLEM CASE 1 XXXX The account was opened XX/XX/XXXX for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement. I tried to resolve it for over 1 year. The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( SEE ATTACHED ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. The creditor sent a letter to confirm that I made full payment to the creditor to CFPB dated XX/XX/XXXX. See below detail Re : Your XXXX Charge Account ending in XXXX XXXX XXXX Case : XXXX CFPB Case No. : XXXX The creditor agencies reported in my payment status as paid, charge off not paid in full as per attached letter from XXXX. Please can you step in to help me resolve this problem which over 3 years now. <P/>PROBLEM CASE 2 ( Length of credit history ) My credit report from XXXX XXXX XXXX XXXX  open XX/XX/XXXX as per attachment is missing some of my credit transactions including my Mortgage for my first home in XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. As a result, my credit report that has result in the credit length reduce over 19 years from 29 years+ to 10 years. The credit reporting agency need to fix the length of my credit history.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

i requested full debt validation, to include all statements from XXXX banks. XXXX, XXXX, and XXXX. I requested all the statements from these XXXX accounts so i may confirm all the fees and late fees and payments to confirm that the information is being reported on me in 100 % accurate, valid and verifyable. Sending the last statement of the account does not allow me to confirm and verify and validate all neccesary information. I reached out to XXXX, XXXX and XXXX, but privacy laws and statutes of limitations hinder from receiving or verifying any information. Also i am asking for all signature cards of the opening of these accounts to verify all information. If information is not verifyable, valid and accurate, i am asking that they remove these items from my chexsystems consumer report.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

My taxes are escrowed and paid by my mortage servicer. My real estate taxes which are due on XXXX/XXXX/2015 have not been paid. I received a past due notice from the County which I forwarded by email to the tax department of my loan servicer. I also left two messages on their online banking messaging system that have not been responded to. I finally made a call to the company and simply asked for a confirmation email that the taxes would be paid before the past due date and that they would be responsible for any late charges resulting from a late payment. The customer service rep said they could not do that and to " trust them ''. I do n't know if they will pay the taxes on time or not and if they do n't I have no record of my conversation and it will be my word against theirs in any dispute over late charges. Very poor customer service. And are there not standards for the length of time between a request is made and a response is given. I made a request over their online messaging service over two weeks ago and have received no response in writing notwithstanding the following automated message received in response to my inquiry : '' Your message has been submitted successfully and has been referred to the appropriate area for review. We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law '' So what is the time limit required by law?? 

Thanks for looking into this.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In the month of XXXX of the year 2015 I had went into the store and tried to use my capital one card. Unfortunately I was n't able to use my master-card. I went and tried to use my capital one visa card, I was unable to use that card either. I looked on my account because if figured something was going on. I went into the capital one bank in XXXX XXXX VA where i had set there for XXXX to XXXX hours trying to figure out whats going on with my capital one accounts. 

The branch manager put me on the phone with capital one and capital one gave me the run around. As a witness to this issue I had the bank manager XXXX out of the XXXX V.A. office helping during the duration of this pertinent issue. 

There have several reports sent to capital one and a investigator was assign to the case I spoke with with someone there on XXXX XXXX at arpoxmently XXXX She again they swticthed me another department as they have done so a month ago. 

Its no resolution being taking into affect by captialone and I would like to resolve this issue and possibly go to a different bank, as I see that capital one is n't reliable on fraud charges.
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Van Ru Credit Corporation (CA)

I was contacted by Van Ru Credit Corporation by phone ( XXXX ), regarding collections for an outstanding claim which they would not identify. I called them back to request a validation notice, as well as any information on the claim, and they refused to provide it for me without my social security number. I hung up. I have not received a validation notice, nor any written communication from this entity ; therefore I can only assume fraud.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I applied online for a car loan and was directed to a website listed below that stated I had to submit my information for a credit check. The website was recognizable as Transunion, so I believed it to be reputable. However, after entering my credit card information ( which appeared to be required to prove identity ) no information or indication was made that I was signing up for a monthly service of $ XXXX. My card was then charged {$1.00} which I was also not made aware of and subsequently 7 days later another charge for {$17.00}. While the service itself may not be a scam, the fashion of non-disclosure that I was " purchasing '' or " being charged for a transaction '' was the scam. It may have had an agreement in fine-print, but no where was it clearly indicated that I was signing up or authorizing a purchase for a specific amount. This is a predatory attempt to make money ( like a bait and switch game ) from those attempting to simply apply for a loan. I attempted to contact the company to dispute the charges, but they stated they would not remove me from this re-occurring service. I am therefore reporting this as fraud. 
Here is the website and contact information : XXXX XXXX XXXX is the website for the car loans that directed me to that website : XXXX
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (CA)

I am in the process of getting a Security Clearance for a job and I was told by the investigator that when they checked the courthouse under my name and drivers license the following was found ; 1. Citation Number # XXXX XX/XX/XXXX, stating it was turned over to a collection company called GC Services Collection. It did n't have a amount or anything. I tried contacting this company but was unable to get verification and copy of ticket and what violation I commited. Apparently the State of california has created a new branch of government allowing a collection company to do court work. I don'r recall getting a ticket that I would not have paid the fine and the ticket be closed. 

2.Citation Number # XXXX XXXX this is the XXXX ticket that is being handled by GC Services. I went to their site and they are stating that I owe {$820.00} for a ticket i know that has been paid and should be closed. Please assist me in getting this collection company acting as the court of law to remove this erroneous information.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We owned a property in XXXX Florida. 
We have had problems dealing with the Mortgage Company ( in-consistent, transferred servicing/ change of attorneys etc ) and their non-conformance to a US Bankruptcy Court XXXX XXXX XXXX Court Order, Confirming our Chapter XXXX Plan, in which all parties agreed to " surrender of Property, in XXXX XXXX. 
My attorney was involved and also unsuccessful. 
Unfortunately the Mortgage company proceeded with Foreclosure rather than " Deed in lieu of ''. 
Keys were sent to a representative/agent of the Mortgage company in XXXX. 
We received in XXXX, a Florida Court document " Stipulation to consent to entry of Final Judgement ''. Clause advised that with signing the document we would receive {$1000.00} ( ( which we did in XXXX ) and another payment of {$2000.00} within 10 days of the sale. 
We have received a copy of the Certificate of Sale for auction on XXXX XXXX, XXXX. We complied with all the requirements and have still not received our {$2000.00}. 
In addition because of the delay and non compliance to the XXXX Bankruptcy Plan, we have lost rental income of {$7500.00} per year for XXXX, XXXX & XXXX. 
We welcome your help to resolve this matter.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I recieved a letter for settlement of an old debt I owed for an apartment. When I called in to accept the settlement amount, XXXX things happened. 
1. They changed the amount because there is a daily interest rate that is applied. 
2. They agreed that if I paid the amount of XXXX They would delete the record permanently. 
I agreed. 
I then spoke to my credit counselor and she told me that Paying that amount was not necessary, and I called " XXXX the next day and told him I would opt for the lesser amount and accept the " paid in full gurantee he offered me. 

Today, this account is being reported as " settled for the lesser amount '' and when I called to clarify their statement of settling in full, they stated that " settled in full is what they report and what the bureau reports is their own process ''. They made no attempt to correct the reporting, and I feel like I was tprovided flase information in order to pay the debt.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I hold a mortgage with XXXX mortgage which I have been trying to get a modification XXXX then turned my mortgage to Sps servicing and resubmitted on several occasions modification papers but to no avail been denied ofor did not qualify .I feel like I am being desciminated against by XXXX I lost value in my home over XXXX probably to predatory lending after a XXXX and XXXX mortgae was taken out .My Intrest rate is 7 % I continually am turned down I fell behind because of a divorce and business sell caused by the divorce.Under the making home affordable nothing is being done to make my house affordable these banks have been bailed out but refuse to help minorities several friends have gotten modifications with principal reductions. mortgage forgivenesses but XXXX seems to not want to help me. Every month I am threatened with harassing calls by XXXX XXXX at SpS servicing about foreclosure.. I have asked for an account of where my payments are going to go if I start repaying what they want but get no clear answer..I want to keep my house and want a fair chance to do this which I am not given. I work I have a job I am not rich so I cant pay XXXX in back payment I would like a modification like so many others and these banks where helped by the government so they should be able to help us small guys
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's
Consumer complaint received 2015-11-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

I paid off a loan over three years ago with Citibank, they are reporting me late every month for the last 3 years since been paid off and filing a satisfaction. I have called there and submitted documentation numerous times all of which gets " lost '' : I was provided a confirmation number of XXXX and was told that they would get back to me. This has been going on for over a month and I have been hung up on and given numerous wrong telephone numbers to departments that all claim they are not handling the issue. All i ever asked for is a letter to simply state that I was not late on my mortgage. I am paying a late fee everyday on a purchase contract that I am unable to close on while i wait for them to complete their investigation for an account this states its paid in full when you call them, I have sent them the satisfaction they filed.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Recovery Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.