davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I mobile check deposited {$6000.00} from wells fargo to XXXX XXXX on XX/XX/2020. 

XXXX closed my account XX/XX/2020 I have no access to withdraw. 

I contact to wells fargo to stop pay the check. WF letter me the fund already posted and cashed before I claimed. 

I reach to XXXX again and tell them its already posted. But they said they cant give my money back and only way is I have to recall the check. 

WF said I am not able to re open the case to recall the check I have to deal with XXXX XXXX directly. 

Both company said they cant and call other company.
Consumer complaint received 2020-09-03
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: SYNCHRONY FINANCIAL (CA)

Synchrony credit card through banana republic. I am current on all debt. Last summer my wife and i are heading home from XXXX XXXX CA and head through XXXX XXXX I have receipt ) and I get cell reception and pop up comes an email about something I ordered? I was confused and could not do much at the time but it freaks you out when you see something that clearly is not right. I could see a large purchase for an android or XXXX smart watch like {$200.00}. BTW I own an XXXX  and wife does. We get back to our home in XXXX XXXX CA and sure enough when I got on my computer I could see this order from Walmart. Ok I did not order this. I called Walmart at first and tried to figure out what was going on and after many failed calls I finally got through to someone and we talked but I remember we went around and around and finally they said well it looks like you used your credit card so maybe the credit card company needed to handle this. I then call them and explain. I wrote to them and explained. They did an investigation and said yes I had been hacked but since I had the product ( for what ever reason they ( hacker thief? ) sent it to my house? ) they want me to " cooperate '' and send it back. I said no problem send me a label and I will put it in a box and put it on my porch. I was told they can not do anything and continually told me to " cooperate '' I said no problem but I will not incur a cost for shipping. I am already agreeing to wasting my life packing this thing up and sending off I will not spend money over getting hacked. This went back and forth for months. I sent in-mail through the synchrony website and had phone calls. They expressed they did an investigation and found fraud but since I had the product they wanted me to cooperate by contacting Walmart and sending it back. Walmart wanted me to pay for shipping and would not understanding the situation. Here I am with a {$200.00} watch I did not order and it is completely useless to me. I am willing to cooperate but I will not pay for anything. I think it is more than reasonable and cooperative to offer to spend my time packaging and dropping off the package in the first place. Oh Ya so they refunded the money at first then charged me for it after the disputed yes it was fraud but no they want their money. Bottom line I did not order it ( I was told it clearly was fraud, and I am still being charged. Synchrony was less than helpful and very hard to get communication from.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (NJ)

Hello, I applied for a HELOC with Discover Home Loans # XXXX on XX/XX/2020. I was told this would only take a couple of weeks and of course it is now XX/XX/2020 and my application is being stalled due to negligent venders and or staff. My current home was originally cosigned by my uncle who passed in XX/XX/2020. We had joint tenancy and upon his death the property reverts back to me ( by the way I am in the state of NJ ). I have already refinanced my first mortgage and closed on XX/XX/2020 in my name only. At the start of the application they were provided with my uncles death certificate. They have also been provided with the new Payoff letter for the old mortgage as well as the new recorded mortgage documents. About a day or two ago I emailed my contact XXXX XXXX to see what is the hold up. Yesterday, he called and explained they were trying to clear liens/judgments on title that may be in the same name as my uncle and needed his SSN and birthday. So i brought it to his attention that the death cert was already provided which plainly stated that information. Then he calls me back to say that now the title company needs my uncle 's will and probate documents. As our title was held in XXXX XXXX, my property is not included in the probate and as I previously mentioned is already back in my name only. I emailed XXXX XXXX to request the contact information for the title company, who clearly doesnt know what they are doing. To which I was emailed that they can not provide me the contact information for the vendor. Excuse me! I am a customer and the title company that is completing a title for my application cant be disclosed to me? At this point I am just livid!!! They need to get it together, consult with their legal team so that someone with some sense can inform them that my property does not need probate and is already out of my uncles name. They need to stop stalling my application and move it along, quickly.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

I have been a customer of Wells Fargo for about 3-4 years now. And over the past two years they have allowed charges on my account to be processed without sufficient funds being in the account. I have been charged {$30.00} for each transaction. As I stated to the few representatives I spoke with. I never signed up for over draft protection or authorized the bank to process charges on my account without adequate funds to support the transaction. They have admitted to their wrong by sending me a {$50.00} dollar cashiers check. If that is the case I feel that I should be reimbursed for every over draft protection fee that I had to pay. Not only did they collect these charges from me during a global pandemic, but they have not called me with a resolution. I recently received a statement in the mail and Im not sure if they have removed the negative account balance but to get to the bottom of this issue I would appreciate if the CFPB intervenes on my behalf.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OR)

On XX/XX/XXXX I received a letter from XXXX debt collector that stated I had to pay XXXX ..this debt was originally purchased from Jefferson capital date XX/XX/XXXX. from premier credit card back on date XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to Jefferson capital I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from Jefferson capital was paid off. I asked for them to send me proof of the account agreement from the company Jefferson capital she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Currently through Wells Fargo I was hacked on XX/XX/2020 they took a total of XXXX dollars and it was two transactions one for XXXX and another for a XXXX both of these transactions I did not Authorize them then they told me wait 10 business days then I caught these fraudulent transactions while it was pending I called them immediately But then the date changed from the XX/XX/2020 to XX/XX/2020 I called and asked why they said it was the posted date I asked why would they post somthing I didnt approve but they denied my claim saying I approved of the transaction with the phone verified on file but I did not get any text email of phone call of this going on wheel this was happening I was at the doctor for a XXXX XXXX and I had no idea This was going on or anything then they told me they will not reopen the claim because I authorized it which I did not
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (TX)

PayPal issued a credit for a dispute to PayPal credit and now reversed the decision and debited my PayPal balance. Credit/Debit to different accounts. 
In XXXX I disputed a charge of {$510.00} for a return from XXXX as I never received a refund for my return. On XX/XX/XXXX PayPal notified me that the dispute was ruled in my favor and a credit would be issued. On XX/XX/XXXX I was notified by email that PayPal was now reversing their decision and siding with the merchant. PayPal has still refused to speak with me about why this decision was reversed and will only say the decision is final. That same email notified me a debit would occur for the money back. 

On XXXX when I attempted to contact them again to ask about the decision I instead inadvertently contacted XXXX XXXX who now owns PayPal Credit. I was fully unaware these two institutions to not speak to each other AT ALL despite PayPal sharing a name across both. On XXXX XXXX opened a dispute for the same charge to do their own investigation. This same day XXXX also issued a credit for the {$510.00} also to my PayPal Credit account balance. 

On XX/XX/XXXX I was notified by email that the debit for {$510.00} had processed along with a demand for immediate payment. I checked my account to see they debited my PayPal balance rather than debiting PayPal Credit/XXXX where the original credit had gone. 

I have tried endlessly to contact PayPal via phone but they do not have phone support at this time, only messaging online that takes 4-6 hours between responses. These responses have been 100 % canned and useless. That last one I was told to contact PayPal Collections to resolve this issue. 

My issue here is I had two 0 % for 6 month purchases on my PayPal credit. When both XXXX and PayPal issued credits it caused these two other purchases to be paid off. Now they debiting me back the {$510.00} from my PayPal balance which was and always has been at {$0.00}. 

I've contacted XXXX for clarification and any help, they advised me to simply contact PayPal and tell them to instead debit my PayPal Credit/Synchrony account and it would be resolved on both ends. PayPal refused to debit the same account they credited. I contacted their collections team as advised by their messaging service and was told the demand is for immediate payment. I explained this entire thing and said they can not credit and debit two different accounts and then demand full payment. I said I am happy and willing to pay the {$510.00} back but it needs to be at 0 % for 6 months as that is what it was on my XXXX account where they sent the original credit. They refused this offer and said it's all or nothing and if I do not pay in full they'll send this to a collections agency.
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: SYNCHRONY FINANCIAL (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the  person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (DE)

Received a letter that they were servicing my account, listing monthly payment and first payment due date of XX/XX/2020. I do not have any outstanding loans. They referenced a vehicle that I have never owned. Their representative suggested I go to " the dealer '' to have this corrected. There is no " the dealer '' as I did not make a purchase, sign a contract or take out a loan.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (OR)

Hello and thank you for your consideration. I have a Chase credit card that I have been using for at least 10 years. I have plenty of credit on the card with an outstanding balance of app. {$5500.00}. I have been paying more than TWICE the minimum to clear up this balance. Along comes the Coronavirus and my employment stopped. I work for XXXX/XXXX XXXX XXXX XXXX travelling throughout the country keeping the XXXX  XXXX  XXXX  and XXXX. The program shut down and I havent worked since XXXX. Things are very tight so I called Chase on XX/XX/XXXX and spoke with XXXX who said that I could skip XX/XX/XXXX payment ( due date ). I thanked her and asked about going forward after that date. She said to call again and that they would be able to help me after the next bill is generated. I wnr an email to Chase thanking them and outlining my call to XXXX. In my email I told them of my situation and asked what they could do for me. Their response was that I was to pay the minimum amount!!! Apparently there is nothing more that they will do for me. Paying the minimum amount has ALWAYS been " the rule ''! Once we are up and flying again my job will return. At that point I could pay THREE times the minimum amount. I just dont know how long we will be laid off. Its my only income and I am stuck. I can not make these payments. Please help me!
Consumer complaint received 2020-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (MO)

On XX/XX/XXXX ( XXXX ) we submitted an application with Discover Home Loans to request a Home Equity Loan. Our credit was pulled  and we met the first criteria. I spoke to their Personal banker on/around XX/XX/XXXX and discussed how much our home was worth to ensure we qualified for enough equity in our home. After discussing this with the banker, we went forward with the application and submitted all documentation online. 

On XX/XX/XXXX, an appraiser came to our home and took pictures of the outside of our home while my husband was standing outside. A week passed and I received word our home was valued {$220000.00}. Approximately {$30000.00} less than the same home up the street from ours which was on the market for {$240000.00}. I asked Discover how this was possible and they informed me it was a brick and mortar appraisal. However, this was not noted to me in the beginning of the conversation in speaking with the personal banker on XX/XX/XXXX. Discover updated our status within their system to requesting an internal appraisal ; however, the next day ( XX/XX/XXXX ) I received an email from Discover that our application was denied. 

I'm beyond confused on how this is possible and the ONLY thing I can understand or comprehend is that it had to do with our race. I am XXXX and handled all communication with Discover.  However, my husband who is XXXX XXXX  ( and standing outside with the appraiser ) was the one who greeted the appraiser. It seems just a bit odd that our credit score of over 740, good credit history, over {$70000.00} in equity, military income with 2 full-time employment salaries could receive a " no '' on the application and a low ball appraisal. 

I have reached out to Discover to file a complaint and have not heard back. In addition, I've reached out to our Attorney General and lastly would like to file a complaint with your office as well.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (TX)

I was contacted by a process server for XXXX county stating I was being legally notified that I would be served papers. They told me to contact their office at XXXX-XXXX-XXXX  to discuss the matter to prevent proceedings. When I called I spoke with XXXX XXXX who said that Barclays Juniper Bank was processing a lawsuit against me for debt from 2008. He had my name, SSN, address, phone number and relative information. He told me that he was notifying me that they were mediating the case to prevent legal proceedings. The original voicemail had identified themselves as process servers but he told me that they are not process servers, they are a debt consolidation and mediation firm called XXXX XXXX and directed me to a website XXXX. The website exists however there is no other information regarding this firm online anywhere. They also said that they would take payment for debt which I know process servers would not, but a debt collector would. They are falsely identifying themselves as process servers in order to trick consumers into paying off an old debt. The debt he was referring to was from 2008 from Barclays Juniper Bank. I have never received any written notification of this yet he had my correct address on file. He said he would have his supervisor contact me regarding my case.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc. (NY)

I recieved two unwanted and annoying phone calls. I informed CBE group that the information on which they were basing the collection was inaccurate and that there was no current debt. I received letters from threatening my credit rating and other adverse actions. I have sent them the following letter.CBE Group XXXX XXXX XXXX XXXX, IA XXXX Debts Identification NumbersXXXX  XXXX XXXX XXXX Dear Sirs : Recently, I received harassing phone calls and letters trying to collect the above debt. It appears you failed to do due diligence and are harassing me about a debt which is no longer valid and has not been for many years. 
The original billing and request for over payment was for services to Medicare patients through my corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The request for overpayment was part of a Medicare audit associated with an investigation by the Office of  Inspector General over 15 years ago. The case involves issues of federal and state jurisdiction which are still being litigated. The medical necessity and billing issues you refer to were appealed. 
You are without grounds in your request for repayment. The statute of limitations on Medicare overpayments was three years and extended under Obama to five years. It is more than a decade since the statute of limitations ran out. Additionally the legally appropriate resolution under Medicare law is that such dates were repaid from future billing. My company is long out of business and I have not billed Medicare in  more than a decade. There is no legitimate debt that gives you the right to call me and send me dunning letters. You are operating outside the framework of Medicare law and consumer protection laws by pursuing me for this debt. 
I am submitting a complaint to the XXXX XXXX XXXX so that you and other collection agencies are made aware of the rule of law and protection of consumers from your predatory practices. 
Please cease and desist all further collection efforts Sincerely, XXXX XXXX XXXX, XXXX.
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 — Investigation took more than 30 days
Company: U.S. BANCORP (CO)

My girlfriend and I both have a mortgage loan through U.S. Bank. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

Thanks.