davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ERO LENDING,LLC (TX)

I followed up on a lead from ERO lending XXXX an originator ) to purchase my condo. Due to their lack of performance I lost {$3000.00} in fees and earnest money. In addition, I was told to complete a homeowner online class that spanned 6 hours, and urged to pay {$150.00}. for completion of a condo association form. They were very resistance to communication and lacked knowledge in answering questions about underwriter requests. I was frequently put off when I called and so was the agent. Much of the info turned in was apparently lost as it was requested multiple times delaying the readiness to the approaching closing date. The service was slow, tacky and sloppy and required 3 extensions, much of which was used up in underwriting due to their lack of ACCURACY, EXPERIENCE and KNOWLEDGE. See the attachment emails form ERO that was requested by the Lender 's underwriter. Item # 5 calls for multiple corrections on the part of ERO and their referred agent. I called the 5 % change to his attention via text early after the error was noticed, but he was resistant to change it. The Lenders underwriter requested all of these items to be corrected on XX/XX/XXXX, just 3 days before my supposed XX/XX/XXXX closing. Fact is, these errors should have all been caught before they submitted the documents. I have seen complaints online about this company dealing treacherously with prospective buyers by slow performance in working their loans. Perhaps the commissions were far less when buying a condo valued at only 70,000. Surely more time was spent on home applications of far greater value. So, this is not a new situation for ERO. I want this experience published to serve as a warning to buyers and sellers. I wonder how this guy sleeps at night. Does he even realize that XXXX is watching him? By making this publish knowledge, others will be spared the agony of his actions and the lost of their hopes and savings.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CT)

I was considering a purchase at XXXX XXXX and in order to hold my order they took a lot of personal information. They then opened a store credit card for me. XXXX XXXX then charged me {$6000.00} for something I never purchased. I did receive a credit of {$6000.00} when I complained. XXXX XXXX refuses to close out the credit card. I have requested this account be closed several times. I also do not want it on my credit report as I never applied for the financing as I did not make the purchase.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Phone Numbers listed are not my phone numbers nor do I no how they was obtain. 

Numbers showing are not right I have sent a copy of phone numbers that belong to me. It makes no sense that all these numbers on my credit file. I do n't own no toll free numbers as transunion is showing. 

I 'm filing with the FTC as well to the issues with Transunion on this problem. I have listed my numbers and numbers that have belong to me in the last 3 years the rest are not my numbers. 
I need proof from trans union to prove the numbers belong to me in my name. I need proof from what ever phone company that Transunion is showing on my credit file that it belongs to me. 

I have a copy uploaded to XXXX from the phone company bill. Transunion has XXXX that is not my phone number.XXXX
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NC)

On XX/X/2017 I sent money through western union to my finance company in regards to a payment for my vehicle. The finance company never received the funds and I have been trying to locate the funds ever since. When I call customer service they transfer my call to different departments and then I get hung up on. Every time I call they claim to have opened a ticket but there is never a resolution. Due to the transaction not being completed my vehicle is no longer available. I need help locating and receiving a refund immediately.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CITIBANK, N.A. (NY)

10 years ago, I had credit card debt amount of {$13000.00}. In order to pay for this loan I started my own business having mutual agreement with the partner business giving me the inventory with 0 % down and paying for the inventory as the item sells. However all of sudden the partner business demanded money for all the inventory within my business. So I had to give up all of the inventory to the partner business and close the business within 4 month. However the partner business demanded about {$12000.00} more even though I returned all the items back. I tried to renegotiate the terms with my previous partner and my credit card issuer, since it was very unfair for small business owner like myself, but they were going to file a lawsuit on me and I could n't afford a legal action so I backed out. With this I started working full time as a taxi driver in order to pay for {$12000.00} to my previous partner business and {$14000.00} ( due to interest ), however the credit card interest were too high I was n't able to pay for both debt and I had to file bankruptcy.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

My niece, XXXX XXXX, is XXXX. I have been her financial guardian for four years. We have been working with her and with her XXXX to get her to the point where she is able to manage her own finances. Until such time as her XXXX signs off on the change to remove me as her financial guardian and transfer full responsibility to her, XXXX SSI and XXXX payments come to me. 

One payment is direct deposited onto a pre-paid debit card. We have had problems setting up her other payment as direct deposit. As such, I still receive a physical check for her every month. 

Every month, I take the check to my bank, Wells Fargo, and cash it. The money is then deposited into a separate account, currently at XXXX XXXX XXXX. 

On XX/XX/XXXX, I went to Wells Fargos XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to cash her check as usual. For the first time, Wells Fargo refused to cash the check, claiming I had the wrong type of account for this type of check, and that I would have to open a new account. I asked why I was not notified of the change in policy, I was told there was no change in policy, that this had always been Wells Fargos policy. When I said Wells Fargo had been cashing these checks for four years, the branch manager told me Wells Fargo had been violating the law for four years, that this specific type of account was required by law. I repeatedly asked for a written copy of this policy, Wells Fargo repeatedly refused, although they did show me something on a computer screen which they claimed was the policy. 

I asked if this type of account carried fees. Initially, the branch manager balked at answering my question, but eventually, reluctantly, admitted this type of account came with fees, but assured me the fees would be waived if we kept a {$1500.00} minimum balance in the account. 

{$1500.00} is nearly two months of XXXX/SSI payments ; it would be impossible to save that much money. Even if we did manage to save that amount, as the branch manager would have been well aware, the first time a deposit was made bringing the balance to {$2000.00}, under federal and California law, my niece would lose her XXXX/SSI payments. 

Wells Fargo is again ( still? ) trying to force customers into opening accounts they dont want. This particularly example indicates Wells Fargos attempt to take money from the XXXX under false pretenses.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

I called Wednesday XX/XX/XXXX to dispute the loan balance showing on my credit report confirmation number XXXX. Citizens reported my balance as XX/XX/XXXX as {$26000.00} and XX/XX/XXXX {$26000.00}. This is a new car loan that was opened XX/XX/XXXX original balance {$26000.00}, so my balance should not be increasing. I made my first payment on XX/XX/XXXX for {$420.00}.
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX XXXX, XXXX, my card did not work and I called to find out why. I learned that my account had been flagged for fraud. After work that day, I called again and kept a representative on the line while I XXXX out my account. Account was XXXX out at XXXX XXXX. I was told my account was closed and my card could no longer be used. I was told not to use my card and that I would be getting a new card in the mail. I did not use the card from that point forward ; however, my employer did send my XXXX XXXX pay to the account. 

Since I was told the account/card was closed and could n't be used, I do not understand how someone was able to fraudulently charge/debit {$520.00} to the account ; nor, do I understand how the card was swiped when it has never left my possession. 

As I have discussed with Bank of America in numerous telephone calls from XXXX XXXX XXXX XXXX, XXXX ( see communication log below ), I am disputing the following fraudulent charges/debits on my account. 
XXXX XXXX, XXXX {$160.00} XXXX ( XXXX, PA ) XXXX XXXX, XXXX {$200.00} XXXX XXXX XXXX XXXX, PA ) XXXX XXXX, XXXX {$150.00} XXXX ( XXXX XXXX, PA ) Not sure of the time of transaction but I was at work, in XXXX, PA, from XXXX XXXX to XXXX XXXX this day. 

I can honestly say that I do n't believe I have ever even stepped foot in either the XXXX XXXX or the XXXX XXXX XXXX. Furthermore, I had my young sons the weekend of XXXX XXXX. If I go shopping when I have them, it is only for necessities, mainly food, for while they are at my house. I certainly would n't have such a large order, nor would I be traveling to approximately an hour to XXXX XXXX to shop. 

I have been disputing these charges for nearly two months and do n't seem to be any closer to a resolution. Since they now claim they have another 45 days to make a ruling regarding the dispute, I would appreciate any assistance the CFPB could provide.
Consumer complaint received 2017-12-09
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: CITIBANK, N.A. (NM)

XXXX XXXX : Citibank alerted me via phone to possible fraudulent activity on my card. 

XXXX XXXX : Working with Citibank, I closed my credit card. 

XXXX XXXX : Citibank issued a new card on the account and sent it to an incorrect address, despite my speaking with 2 fraud department specialists and providing the correct mailing address. The representatives both said they were sending it XXXX to the address I requested ( which address is in my account records. ) XXXX XXXX : I notified Citibank via phone that they sent the card to one of my home addresses where I would not be present until a month from this date. 

XXXX XXXX : I was able to have a neighbor retrieve the XXXX envelope and put it inside my home for safe-keeping. 

XXXX XXXX : Citibank arbitrarily locked me out of my account ( I have 3 credit cards with them and a website that I have used for many years to get paperless statements and pay my bills ( which are on autopay, I pay my balances timely every month ) ). 

XXXX XXXX : After much time spent on the phone with Citibank, my web account was unlocked and I could access it. No reason was provided why Citibank had locked me out. My password and user name were/are correct. 

XXXX XXXX : I receive a statement notice ( for XXXX XXXX billing cycle ) on the closed card via an email. There was a very large balance due. 

XXXX XXXX : When I try to access my paperless statement for both the closed card number and under the new card number, the website says I am not permitted to see the statement. 

XXXX XXXX : After numerous phone calls and online chat, the issue is not resolved. I can not see my bill or my transactions. 

XXXX XXXX : I request a paper bill, and Citibank insists on sending it to an address on my account where I am not present. 

Note : I have two physical addresses listed on my account, and have had these two addresses since XXXX. I live physically in two different places during different times of the year. 

Note : I have provided all the security information needed. 

Note : These are mature accounts that are paid in full timely every billing cycle. 

Note : My credit card was not lost or stolen. 

Note : I take strict means to protect my identity and online billing information. 

Note : In my opinion, this problem ( Citibank 's failure to provide me with an accounting of charges during a period of fraudulent activity ) is due to customer service representatives following a script that is not able to respond to specific situations. 

Note : It seems wrong to require payment for services and goods without providing a timely and accurate accounting.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Total Card, Inc. (FL)

As I was doing a annual credit check going over my credit history to make sure that all information was accurate on my credit file I came up on a couple accounts that I did not recognize I proceeded to contact these companies however, they sent me fraud packets on several occasions that I needed to fill out and notarized I did so and paid my {$10.00} dollars only for them to keep asking me to send more info and notarized more papers yet not doing anything about the account but make me spend money .... My request is that they send me the proper verifiable documentation for these accounts so that I may review it, they have refused and the credit bureaus are verify the information as correct even tho this creditors cant provide me any documentation that I requested .... please contact them and either have them remove these account or forward me proper documentation that proves the account belongs to me not invoices but actual consumer original contract that I signed ... 

1.XXXX XXXX XXXX/ total card .... credit card Acct # :XXXX DATE OPENED XX/XX/2016 Credit limit : {$300.00} Address : XXXX XXXX XXXX XXXX, SD XXXX  XXXX Note : they have been the root of most of my issues 2. XXXX XXXX XXXX ... credit card Acct # :XXXX Credit limit {$500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Note : disputed and ask they provide me proof they verified to the bureaus and sent me nothing :
Consumer complaint received 2017-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX. 
There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.
Consumer complaint received 2017-12-10
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. (OH)

I have never had an account with XXXX XXXX, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account XXXX XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$13000.00} {$410.00} {$18000.00} XX/XX/XXXX PAYS 61-90 DAYS {$5100.00}
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has my XXXX XXXXXXXX XXXX showing Negative. This account does not go positive until 2022 and there  has not been a late payment in over 18 months It should not take 4 years for this account to go positive considering it has not been late in over 18 months. 

FTC has been filed as well to this account.
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (MD)

the company PENN CREDIT has called my home on several occasions and it is a recorded message referring to a XXXX XXXX - I sent a fax to XXXX and told this company that she does not, never has and do n't know where she is - to CEASE AND Desist the calling. 

Received on this date XXXX/XXXX/XXXX at XXXX a.m another call from this company - after I sent the Fax to CEASE AND DESIST calling. I just now sent this company another fax to tell them to CEASE and DESIST calling my home. 

The XXXX fax number is to the main headquarters. the address is Penn Credit Corporation XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2017-12-10
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, Experian added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XX/XX/XXXX and the loan officer informed me. The collection agency, XXXX XXXX XXXX, is claiming I owe them {$660.00} for an unresolved medical debt. I have no unresolved medical debt and this collection agency has been reported to the Better Business Bureau for being unable to provide documentation validating debts they have reported. The XXXX XXXX XXXX website claims that they notify consumers prior to reporting the collection, which is false. I contacted the agency to try and resolve the collection and they advised me that they did not have my personal information on file including my address ( how would they have notified me? ). The agency states that they have to submit a request to their corporate office in order to have the collection deleted but state that it takes 3-4 weeks and the debt must be paid FIRST. The representative stated that they could not provide any immediate documentation of the collection being paid. Despite having limited information on the collection, they strongly encouraged my submitting a payment to resolve the debt over the phone and continued to insist on needing other personal information. This office is conveniently located in XXXX, near my residence, despite allegedly being a debt owed in XXXX. Experian made no attempt to validate the collection or collection agency information prior to adding it to my credit report. I have been informed that my personal data was compromised in the XX/XX/XXXX XXXX data breach. Coincidentally, two suspicious collection accounts were reported in XX/XX/XXXX. I contacted Experian to try and resolve the issue. The customer service representative I spoke to advised me that even if I were to pay off the fraudulent debt, that was most likely the result of the breach, but the collection would remain on my credit report for 7 years. 

Despite filing a dispute to try and resolve the issue, my loan officer has advised me that my current credit report does not reflect said dispute. The collection is a scam and it has caused my credit score to drop immensely putting my attempt at being approved for a mortgage in serious jeopardy.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. XXXX XXXX has received notice through The BANKRUPTCY COURT CLERK, on XXXX XXXX, XXXX stating a Chapter XXXX was filed, and on XXXX XXXX, XXXX a signed order by the judge was sent stating all debt was discharged. To date XXXX XXXX never responded, never appeared, and never rebutted the fact they are a debt collector.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AK)

I want my money returned to me. The bank employees would not help me find out what happened to it. The only thing that could have happened is they stole it. I have been totally abused by the bank and their workers. Everyone just kept saying they did not know what happened. I was even told to forget getting any money back because the president forgave the bank its wrong doing. Help me please it put me into extreme poverty and l ca n't get back my living in a well status. I am XXXX legally XXXX have no car and need my money back.