davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my card was copied and used at an ATM to deposit XXXX {$500.00} checks and a withdrawal for {$200.00}. I saw these transactions the next morning on XX/XX/XXXX and immediately called because my account had been closed due to the fraudulent activity. I was told that the deposit and withdrawal had been declined and that they would reopen my account. The next morning on XX/XX/XXXX I see that the deposits had in fact bee removed but they had gone ahead and approved the {$200.00} withdrawal even though there were no funds in the account and knowing full well that the account had been compromised because it turns out that they reopened the card the day before when they deactivated my account after having spoken to me. It is now XX/XX/XXXX and my account is still in the n fatigue because they are declining my claim for fraudulent activity because " a debit card transaction can not be fraudulent ''. I was told for two weeks of daily calls that they were going to get this claim taken care of and the account credited for the {$200.00} but kept blaming their inability to do so on an " international glitch '' that was allowing me to see the credit. I have been hung up on at least a dozen times, called stupid, transferred to other departments in XXXX so I do n't understand and I can not get anybody to help me.
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (DE)

i have contacted equifax on the inquires on my account that are fraud and not mine. they have done nothing to help and continue to allow fraud inquires on my credit history. here are XXXX of the letters that were sent to me from these companys. I have more
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, I sent a letter Equifax asking them to investigate errors on my credit report. Thirty days have passed, and I did not receive a response. I started writing Equifax follow-up letters asking for the results of my investigations, but I still have not received a response. It has been almost 3 months now, since my original letter.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MS)

I have been reported late on my mortgage when the lender has been unable to be reached by phone for payment. I have been charged fees without notice and been unable to have removed. I have had insurance placed on my loan even with adequate coverage in place. The company does not offer refinancing at better rates and forces mey to stay with them unless I fall behind and ruin my credit, then they will offer a better rate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I SENT DISPUTES A FEW MONTHS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Funding ARE SHOWING INACCURATE DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG XXXX DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, ATTN : Wells Fargo Re-Ordering Transactions to Increase Over-The-Limit FeesI 'm still trying to get the fees reversed but regardless of outcome, I believe Wells Fargo should be investigated for " still '' illegally re-ordering transaction in order to manipulate limits to increase their over-the-limit fees and profits, despite loosing lawsuits pertaining to just this in the past -- in the order of magnitude, exceeding {$200.00} XXXX -- and furthermore despite agreeing in court to stop this exact practice. I had XXXX debit transactions go through the same day, XXXX of which " gas '' usually goes through first.. in almost every prior case, usually XXXX to XXXX days prior to the latter which for reference is my " car insurance ''. This day my account proved to be low in funds, being a few days behind in collecting my paycheck, and the largest transaction went through first and therefor my account was charged again in excess overdraft fees. It 's only {$100.00} in fees to be fair but it is so clearly a breach of the " Credit Card Act of 2009 '' and so I felt an obligation to call attention to it. 

Where the breach legally occurred : Credit Card Act of 2009, section 7. As follows : " ( 7 ) RESTRICTION ON FEES CHARGED FOR AN OVER-THE-LIMIT TRANSACTION. -- With respect to a credit card account under an open end consumer credit plan, an over-the-limit fee may be imposed only once during a billing cycle if the credit limit on the account is exceeded ... '' This was done twice. 

And Section 1 as follows : " no such fee shall be charged, unless the consumer has expressly elected to permit the creditor, with respect to such account, to complete transactions involving the extension of credit under such account in excess of the amount of credit authorized. '' I did not, and I opted out of their overdraft already. 

Furthermore, section 2 as follows : ' ( 2 ) DISCLOSURE BY CREDITOR. -- No election by a consumer under paragraph ( 1 ) shall take effect unless the consumer, before making such election, received a notice from the creditor of any over-the-limit fee in the form and manner ... '' Pertaining to re-ordering transactions, regulations section XXXX as follows : ' ( B ) [ Law shall ] prevent unfair or deceptive acts or practices in connection with the manipulation of credit limits designed to increase over-the-limit fees or other penalty fees. " Researching, I found also that a high ranking official of WF as another keynote, stated : " If multiple transactions come in at the same time, then Wells Fargo will process the lowest dollar amount first, said company spokeswoman XXXX XXXX. " Simply put and pretty obviously, they are following the money, not the law. 

Thank you,
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (IA)

I sent multiple faxes and called over 25 times to Navy Federal to dispute IR/Late Payment charges ( on a frozen account due to formal open complaint with CFPB ), repair request with credit bureaus and re-activation of my credit card. This whole process started way back on XXXX/XXXX/XXXX and I have had to escalate and talk to several different departments, but that did n't resolve the issue for months. I was n't getting resolution so I filed a complaint with NCUA ( National Credit Union Association ) they do n't handle this type of dispute. So they forwarded my case to the CFPB during that time Navy Federal did credit my account, but has not fixed the mistakes on my credit report and closed XXXX credit card accounts. I received a letter on XXXX XXXX, XXXX from a different underwriting department stating the account was closed due to in-activity. There has been no activity because the account is frozen until the open CFPB disputes are resolved. After crediting those accounts they 're still not open and did n't repair my credit report. I have documents showing negative entries on my credit report and my submission to the FTC and NCUA. To exacerbate all these issues, last month ( XXXX, XXXX ), Navy Federal decided to re-activate the account internally ( though I still have no credit limit and the card is essentially frozen ), and now ( without my knowledge or consent ) another unknown XXXX department decided to start charging me late payment fees and IR changes. There have ben no charges on this account for over a year as the account is frozen. And for some strange reason, Navy Federal decided to add more issues to an already large systemic issue related to my current open complaints.
Consumer complaint received 2016-06-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CT)

I filed original complaint # XXXX on XX/XX/XXXX. I also spoke to Wells Fargo XXXX XXXX in executive office on XX/XX/XXXX who was handling the case. She agree about certain things that were not done correctly and stated they would like to get the loan finalized especially after spending 2 months working on it. And bad and lack of communication from the people I worked with in the application and approval process. They were named in the first complaint. She stated she would call me on XX/XX/XXXX. She did n't call me and I called and left a message. She called me XX/XX/XXXX with XXXX XXXX on speaker phone. Most people have another person for a witness to the conversation and its also XXXX against XXXX. Now other issues came to light. They stated first I need to pay {$4200.00} for escrow and late fees but more important was property needs to be out of XXXX for 6 months. I asked them to show or tell me in writing pertaining to this information. They said it was proprietary information and I would need to have a attorney to subpoena it. They stated it was XXXX XXXX guidelines. Why would n't they be public? XXXX guidelines are public. I specifically asked if it was their guidelines and the told me no. XXXX stated this came from their national underwriters and they know everything. Also CFPB would be able to listen to our conversation. A lie. I told them I was going to make another complaint and XXXX said go right ahead it will come right back to her. First how can she investigative herself? Conflict of interest. If XXXX XXXX guidelines should all be public information. Also her demeanor changed from the previous phone call. From I 'm here to help you to not at all. I told them the people I was working with do n't know the program. XXXX tried to cover for XXXX XXXX and XXXX XXXX stating the guidelines changed since XX/XX/XXXX when I applied for the loan. That 's a lie. Guidelines have not changed. I also told XXXX to use her brain and think of another way to refinance this loan. She did n't like that. They are lying and trying to cover up their employees incompetence. Also feel they came up with this because of the 1st complaint.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I have had a checking account at Wells Fargo for many years. I am going to close my account after finding out XXXX things. One, trying like heck to kill off your regulation. Two, the incredible fraud in creating XXXX XXXX fake accounts and firing XXXX low level employees. 
This is unconscionable and I urge you to punish them much more than the {$100.00} XXXX fine. Take away their license to do business!
Consumer complaint received 2015-05-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I have been watching the current balance of my Wells Fargo checking account very carefully over the past few days in order to not incur an overdraft fee, and I have been transferring funds from my savings account to maintain a positive balance. I have taken a snapshot of my checking account balance page as displayed at the XXXX website, and the account never goes negative. I called to complain, and they offered to restore XXXX of the {$35.00} dollar charge, which makes no sense whatsoever, because they should n't have charged me the fee to begin with. 

They are claiming that the XXXX charge that shows as a pending transaction on the attached screenshot on XXXX/XXXX/2015 was actually deducted on XXXX/XXXX/2015, resulting in a negative balance. If a charge is shown at their website as currently pending, I do n't understand how it can possibly be deducted from my account XXXX days prior. You will note that I deposited {$11.00} on the XXXX, having seen the pending XXXX 's charge at the website prior to it 's being deducted from the account balance. I have also transferred an additional {$7.00} to further avoid receiving an overdraft fee for the pending BIGFISHGAMES charge. The available balance of - {$34.00}, as shown at the bottom of the " Activity Summary '' section is entirely due to their overdraft fee of {$35.00}, otherwise the account would still show a small positive balance of XXXX cents. 'Wells Fargo has pulled this kind of ridiculous nonsense on me in the past, and I notified your agency last year when they attempted this same thing. After being contacted by you at that time, they relented on XXXX {$35.00} overdraft charges, but worded it in such a way as to make it appear that your agency 's involvement in the matter had nothing to do with their decision to restore my funds, and that they were just being big-hearted, customer-friendly, respectable business people in making that decision. 

If it was n't so difficult to change banks, I would drop WF in a heartbeat, but I 'm not altogether convinced that the situation would improve by taking my business elsewhere.
Consumer complaint received 2017-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

In receipt of the latest correspondence and again duplication of the same information WFHM continues to send in response to my submissions to the CFPB. XXXX XXXX sent the latest outline of her findings, in which she states that we 've carefully research these matters and are providing you with an update on our research. It 's as follows : 1 ) Communication within WF 2 ) Requests for compensation for late fees 3 ) WF commitment to customers 4 ) Payment history 5 ) Chapter XXXX bankruptcy reaffirmation 6 ) Credit Reporting 7 ) Status of account 8 ) Written communication only 9 ) Savings account concerns She ( XXXX XXXX XXXX, further states, we previously responded to ( most ) of the above concerns in the past, we are providing this response in summary of all information requested in lieu of a letter indicating all of the prior enclosures, per your request. 
These are generated and recycled responses and made with no documentation attached, which I have received since holding the loan. My goal is for WFHM to produce to the CFPB written documentation ( clear and concise ), detailing my correct payment history that corresponds with my attached bank statements and written documentation sent to XXXX XXXX and the NC courts detailing reaffirmation. This details my request to CFPB ; 1 ) Written documentation of my correct payment history 2 ) Written documentation of reaffirmation sent to XXXX Law Office/NC Courts 3 ) Written documentation of reporting my mortgage to all credit bureaus 4 ) Written documentation of money taken from the savings account prior to closing 5 ) Written documentation of WFHM grace period policy 6 ) Written documentation of how my cash payments were applied when I personally walked into the WF branches and made payments ( time stamps, dates, persons whom processed the payments, etc. ) 7 ) Written documentation and assurance that no accounts were opened in my name 8 ) Written documentation of any interest gained on the money WFHM accrued while holding funds and not applying them directly to my mortgage It is my hope that I have clearly and concisely outlined any and all concerns of requests the CFPB and myself would like answered.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (GA)

Hello on XXXX XXXX 2016 we purchased XXXX round trip tickets from a travel agent called XXXX for travel date of XXXX XXXX from XXXX to XXXX and then to XXXX and to return on the XXXX of XXXX XXXX and then XXXX when we reached the airport for our return flight they would not let us on the flight saying we were never supposed to be sold these tickets we waited for the time difference and called the agent he said he will take care of it he later said he booked us on XXXX no mention of any charges and why would there be any? its his mistake when i got back on sat we found out he had called our daughter that night and told here that those tickets where around {$2400.00} which we never authorized he asked me for the credit card number i used to buy the original tickets so i did a dispute with wells fargo they took the info and i called monday to confirm they said that they couldnt talk to me till the primary on the card gave them authorization to talk to me which he did then they gave me 3 diffrent stories the final one is that the can only dispute the portion of the sale that i didnt use i tried to explain to them that i bought XXXX round trip tickets for XXXX not XXXX - XXXX the difference i did not authorize the XXXX and just thought he put us with another air line i agreed with and purchased XXXX round trip tickets for XXXX wells fargo should protect their clients from theft fraud or crocked merchents which in this case they are protecting the con artist
Consumer complaint received 2016-12-03
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

Someone opened up a Navy Federal Credit Union account in my name. I have tried twice to dispute it with them, and they denied me both times. I even asked them to tell me how the credit money was used so I could prove it was n't me, and they did n't give me that chance. It is negatively affecting my score.
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (CA)

I want to start off by saying that I am currently a recepient of an immigration program called XXXX. I have been living in the United States for 15 years and I currently have an Employment Authorization Document and a Social Security Number. I currently have a total of XXXX credit cards with XXXX different banks. 

I am currently using Wells Fargo as my bank. I 've had a Checkings and Savings account with them for about 3 years. I 've had a secured credit card with them for about 2 years. 

When I went in to my local Wells Fargo bank to open my Checkings and Savings account, there was no issue with my immigration status. Everything went smooth. When I applied for my secured credit card, they asked me for {$300.00} dollars to open it and again, there was no problem with my immigration status. 

Recently, I went in to my local branch to withdraw some money and I was told by the teller that I was eligible for a Student Credit Card. Since my secured credit card was never graduated to an Unsecured credit card, I went ahead and filled out the application with the banker. I was told by the banker that I was approved for {$1200.00} but that it would take XXXX hours for the application to be fully approved. 

I waited for about a week before I received a letter in the mail stating that my application was not approved because Wells Fargo was not able to verify my identity. That letter stated that my application could be approved if I sent in a copy of my Social Security Card. I found this weird since I currently have a bank account with them along with a Secured Credit Card, yet they could n't verify my identity. 

I fulfilled their request and faxed them a copy of my Social Security Card. About 3 days after faxing them my SSN, I gave them a call because I wanted to know the status of my application. The representative on the phone told me that my credit card application had been denied due to me not being a permament resident. I was shocked by what she told me because like I said earlier, I currently have a bank account with them, a secured credit card and XXXX other cards with XXXX different banks and no other bank had ever brought up my immigration status as an issue. 

I would like to know why Wells Fargo has no issue with my immigration status when it comes to them receiving my money through my checkings account and they had no issue with my immigration status when they asked me for {$300.00} to open the secured credit card. They will gladly take my money and make money for themselves using it, yet when it comes to me trying to get a credit card from them, they suddenly do n't want to deal with me because of my immigration status. 

I have been living in this country for 15 years and I am trying to build a strong credit history in order to purchase a home one day. What is the issue with that?
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (CO)

I have been waiting for ACS XXXX ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. Wells Fargo is the lender and may have knowledge and/or approved of the following conduct by ACS. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into one federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.