davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my Bank of America app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru Bank of America to get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, XXXX. There was no warning or disclaimer that this could happen as such I believed that my bank ( Bank of America ) and XXXX ( since my bank was backing them ) would provide basic protections just like XXXX
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MA)

This is not a duplicate complaint. The last complaint was basically ignored. I have attached records that Suntrust does not seem to have. 

In XXXX I was forced to refinance my second mortgage with Suntrust Mortgage. 

This was to refinance a XXXX Massachusetts High Cost Home Loan with SunTrust Mortgage. 

Suntrust never properly rectified the original high cost home loan. They claim they had refunded me the interest of the previous loan, but this money was used for closing costs of the new loan. All of the funds of the previous loan went into the closing of the new loan. They also did not properly notify me that they were in violation of the statue. 

This created a new Massachusetts High Cost Home loan since I paid the closing cost. Suntrust has denied this, but I was able to obtain the check that I was then forced to sign over to attorney for closing costs. This is fraud. 

Since this was a Massachusetts High Cost Home Loan, I had an extended right to rescind. 

I exercised this absolute right to rescind which SunTrust ignored. They did not dispute or in any way argue against this recession. I have attached the rescission letter, and email I had sent. I also attached the USPS form that shows SunTrust received this rescission. 

Since this loan was rescinded SunTrust does not have the right to report this a mortgage account. 

I had previously been offered {$15000.00} to settle this loan. In a previous complaint SunTrust had said that they had not record of this. I still have these records and have also attached them. 

In short Suntrust does not have the right to report the mortgage since it was properly rescinded and they never disputed this rescission. 

Please see attached : 1. The right to rescind letter and form 2. The first page of the email that I sent to SunTrust which was a copy for the rescission mentioned in # 1 3. Copy of the Bank Check provided to the Real Estate Attorney with the instructions to immediately sign over to attorney. Not sure if Suntrust or Attorney made this note. 
4. The letter from XXXX XXXX on behalf of Suntrust offering {$15000.00} to settle case.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank is calling my family members harassing them with information about me. How they got my immediate families numbers is beyond me because I never listed them. When I called to confront them they stated they did nothing wrong and just left a message with my name and reference number and are unaware of how they even got their phone numbers but how they would be removed. They have yet to be removed and this is the second phone call I have made asking them to stop. The woman then proceeded to tell me that they just left a message before they took my account to a lawyer or attorney.
Consumer complaint received 2023-10-21
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: WELLS FARGO & COMPANY (PA)

Wells Fargo made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my XXXX credit report. I did not apply for credit with Wells Fargo or otherwise authorize the enquiry. 
I have written to Wells Fargo multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted XXXX to have the enquiry removed, but the enquiry is still being reported by XXXX on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (HI)

On XX/XX/ i received email from Paypal that i changed my mailing address, and I had closed my account which I did not. I immediately contacted Paypal and informed them that i did not do either of these unauthorized actions. Moreover, the cash balance of {$5700.00} in the account of was also gone. I also called customer service rep at Paypal by the name of XXXX who acknowledged all my issues and sent me an email which opened my case for fixing these unauthorized activities and retrieve my cash balance asap. the case number assigned was XXXX XXXX i did not hear back from Paypal so I contacted them by phone on XX/XX/XXXX but was disconnected abruptly. I called again on XX/XX/XXXX and after another interrupted disconnection and speaking with 3 other agents who could not help me, i finally was able to speak to a supervisor named XXXX who understood my situation finally and told me that she would escalate my case to home office and assigned a new case number XXXX and i would be contacted by email on case status. But nothing happened. I called a day later on XX/XX/XXXX to check on status and finally reached an agent named XXXX who fully understood my situation and said he would initiate stop payment for the unauthorized check drawn in the cash balance amount of {$5700.00} and i would be contacted within 24 to 48 hours. XXXX also forwarded me email that confirm there was fraud activity on XX/XX/XXXX. But again no call back from XXXX. Nothing. So i called again XX/XX/XXXX and spoke to another agent named XXXX who also was able to check notes from my conversation with XXXX and said that the stop payment was not completed so she will initiate again and that i call back within next 48 hours to check status. Bottom line i have made 9 long distance phone calls ( no other way to contact ) since XX/XX/XXXX to report fraudulent activity in my account and now XX/XX/XXXX with no resolution. i want my money regardless if they successfully make stop payment since my money was in their safe keeping and they must protect my money from unauthorized fraud.
Consumer complaint received 2023-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (WI)

I haven't. been late in over 2 years but according to them I have, i thought it was because I was sending it to XXXX XXXX XXXX XXXX, Texas XXXX, but I sent my payment to the address listed on the bottom of the mortgage statement XXXX XXXX XXXX XXXX Texas XXXX they are still calling and leaving vms and sending letters like I am in need their help in managing my mortgage. In addition they are saying that I am putting the wrong loan number on my money orders when I have it memorized XXXX it hasn't changed since XXXX
Consumer complaint received 2023-07-25
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. (LA)

I recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail.

the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked XXXX XXXX for validation of debit and this is the letter I received.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

This is in a response to complaint # XXXX where Fair Collections & Outsourcing , inc asked me to complete an identity affidavit form. This collection is the result of an identity theft crime in which the original complaint contains the police report. Attached to this complaint is the completed identity theft affidavit FCO requested I complete.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX i opened a bank account at Citibank and deposited my funds that i received from my lawsuit settlement and i was able to use my account for the first few transactions then a few days later i went to transfer money and it wouldnt let me called the fraud department later that day and everyday after that and they told me that i had to call back with a verified phone number which i dont understand because the same number i used to open my account was the same number i called them from and they told me they couldnt use that number so i tried to see if they could use my mom number they said they couldnt use her number or my dad number
Consumer complaint received 2023-07-25
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA (FL)

Last year i applied for financing with XXXX ( XXXX XXXX XXXX XXXX ), after losing my job. With my wife and son in school i wanted to try this since it had a money back guarantee. They sent me a link to XXXX XXXX who in turn went to Marcus Goldman Sachs to get a personal loan to pay for access to XXXX. They scammed me out of the money and the company disappeared then re-emerged this year same title. I never spoke to anyone accept the guy at XXXX and he ran my credit and the money was in my account same day. No Questions asked and i presume that XXXX and XXXX are in close proximity as well as Goldman Sachs. XXXX was supposed to give me my money back within 6 months if i didnt break even. I asked Goldman Sachs about writing the loan off and then going after them with an attorney but they just gave me the run around. XXXX was non negotiable when asking for my money back after they bellied up 2 months into my initial 6 months. Came to find out they knew about taking it down 2 months before the guy signed me ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

In XXXX of 2023 I opened a Chime account. Then on XX/XX/2023 I received an email stating that my account had been closed. The reason was my account failed to comply with the terms of the Deposit Account Agreement. 
I had initiated two transfers from my XXXX XXXX checking account to my Chime checking account. One transfer for {$200.00} and one for {$5000.00}. I have been trying since that time to get Chime to refund my money. 
I have called their support number and have emailed them multiple times. I have sent verification with a copy of my drivers license, a copy of my passport, copies of the emails from Chime stating the transfers had been initiated. I also sent an email explaining the situation and a copy of my XXXX XXXX stating that show the two transfers being made. 
They have sent me emails stating that they are waiting for their processor to provide a tracking number. This was on XX/XX/XXXX and I still haven't received a check or a tracking number. I also received a ticket number XXXX. Now on XX/XX/XXXX I received another email stating that I needed to provide valid documents verifying that the deposits had been made. I have already done that with my bank statement several times. They also state that for security reasons, Chime is unable to share mor information about the account closure. Basically it is the same runaround that they have given me for over two months. I would like to know what I can do to get them to refund my money. I have attached the documents I have provided Chime. I really don't know what other documents I can provide to Chime.
Consumer complaint received 2023-07-25
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Renton Collections Inc. (WA)

At XXXX pst I missed a call from XXXX labeled Renton Collections and returned the call immediately. I was transferred to XXXX who said the number came up for XXXX. I said okay. XXXX placed me on hold without verifying any information. Then XXXX came back in the line and still without verifying any information said there was a past due medical debt for XXXX with XXXX XXXX XXXX. I asked the full name of the person owing the debt and was told XXXX XXXX. Then XXXX realized she had disclosed without verifying identity and asked me to verify who I am and my name. I terminated the call as this was a blatant violation of the FDCPA. It is illegal to disclose debts to third parties and my name was never even verified by the collector yet she happily disclosed the debt, creditor and party owing.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (NJ)

Subject : Response to US Bank 's Statement Regarding Case # XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to follow up on my earlier complaint regarding US Bank 's failure to honor a promotional offer and the unjustified imposition of service charges. I recently received a response from US Bank ( dated XX/XX/2023 ) regarding CFPB case # XXXX. 

Firstly, US Bank claims that the address provided in my concerns does not match the address they have on file. I would like to clarify that my current address is as stated in my initial complaint. Any discrepancy may be due to the delays and communication difficulties I experienced with US Bank while opening the account. 

The primary issue of contention is the bank 's refusal to honor its promotional offer of a {$500.00} bonus. According to their response, my account balance fell below the {$3000.00} threshold required for the bonus because of a service charge they levied. The charge was for a paper statement fee, which was neither stated in their promotion nor communicated to me at any point during my interactions with them. My understanding of their promotion was clear- XXXX XXXX  monthly service fee. The paper statement fee was an unexpected charge, and it seems that it was deliberately imposed to evade paying the open account bonus. 

Moreover, US Bank 's response suggests that I should have been aware of these additional charges as they are stated in the " Business Pricing Information disclosure. '' I assert that this was not communicated effectively during the account opening process or afterward. This lack of transparency is deeply concerning. 

In light of this, I remain firm in my belief that US Bank 's actions were misleading and in breach of their promotional offer. I am not satisfied with their response, and I continue to seek the CFPB 's assistance in rectifying this situation. I ask for an investigation into these undisclosed service charges and that the bank is directed to honor their original promotional promise of a {$500.00} bonus. 

Thank you once again for your time and attention to this matter. I trust that the CFPB will uphold the interests of consumers like myself in the face of such disappointing business practices. 

Yours sincerely,
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Westlake Services, LLC (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2013, XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2023-07-25
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. (NV)

I have co-signed my daughter 's XXXX XXXX XXXX  loan. 
Every month XXXX Department of Education reports different balances while the loan has been deferred. 

Because of this practice, my credit continuously falling score fell from XXXX to XXXX, thus putting me in hardship. 

After spending months trying to find out who is responsible for XXXX FAFSA or Department of Education, every entry points this to credit. Credit bureaus clearly say we report what is reported to us. 

This harassment must stop.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I had my phone and my wallet stolen just last week. I filed a police report and a claim with chase to get the issue resolved. Chase denied my claim even after Ive provided evidence ( such as a police report and the fact my phone number has been halted as well ) that my phone and wallet were stolen given those thieves sensitive information and personal access to my data. Chase is the only one that refuses to send back the money that was stolen from me.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I looked on my credit report and noticed I have a XXXX XXXX account on my credit report that doesnt belong to me and I never lived at the address listed. A charge off is considered income from the IRS which means I should of received 1099-C and according to 15 USC 1681 2a ( I ) no transactions or experiences is allowed to be on credit consumer report.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Previously disputed account through CFPB reference # XXXX and CFPB reference # XXXX different occasions regarding same account and results came back with exactly same answer. Account is inaccurate and has not been verified with my signature on it. I do not recall having account open and account continues reporting on credit report. Account still reporting open b y XXXX while in collection by XXXX date closed is missing by both bureaus and date last verified is missing by XXXX. Stating dispute resolve! Results on CFPB states account shows no record of being disputed. This is false account has been disputed. Enough time has been given and still reporting inaccurate.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION XXXX XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.