davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (WA)

To Whom it may Concern, I 've been dealing with a fraud issue. I had fraudulent transactions on my card and it was taken care of promptly. About a month later there was more fraud from the same company. I was told it was because my card and the fraud had not been dealt with the correct way the XXXX time and instead of closing my card I was just issued another. 

The XXXX time there were XXXX fraudulent charges totally about XXXX dollars. On my statements I can see provisional credit for only XXXX charges. The merchant that billed the fraudulent transactions reimbursed all XXXX of them and Wells Fargo promptly debited my account for all XXXX charges, stating I had already received credit for them. However, I had only received credit for XXXX transactions, leaving me approximately {$250.00} short. 

I was told that I had received the missing credits on the old card before the balance transfer and I would see it on my statement. It did not appear on my statement so I called again and was told I would get another statement in the mail that reflected that I had received credit for all XXXX transactions. I have received nothing, there is no proof I ever received credit for those transactions ( Aside from credits that were later taken away as debits ). I just want tangible proof that I was reimbursed or credited for those charges. Today on the phone I was told I had received credit ( even though it was debited shortly after ) so my request for written statements has been denied and I need to accept verbal confirmation from them that I had been credited. All I am asking for is a document showing XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. All they can produce are statements for XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. There are XXXX missing credits. By law I am entitled to these records. The bank is telling me I am not, I need to just trust that they have done it. I have been asking for documents for 2.5 months, the bank can produce none.
Consumer complaint received 2016-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Your submission, [ Case number : XXXX ] I am very disappointed with Wells Fargo 's response, lack of interest, in my complaint that I was a victim of Bait and Switch tactics by Wells Fargo when I went to them 7 years ago when I need a second loan on my house to pay off existing debt and replace my roof! What is my next step in filing a complaint against them? XXXX XXXX.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank , NA ( hereinafter " WFC '' ), and its divisions ( Consumer Accounts for checking and savings account as well as the credit card accounts are to eager to charge fees, but will not return fees for their own mistakes ( continually ignoring the requests, disputes and issues - until it is passed the deadline, then its representatives claim that " it is pass sixty or ninety days allowed '' ). Therefore, the unjustified charges they make on the checking and savings accounts become permanent. WFC is very ANTI-CONSUMER. 

and NOW, I have issues with disputed charges on Debt card and a credit card. 
On three ( 3 ) occasions : 1. XX/XX/XXXX on my debt card in the amount of {$340.00}, Disputed unauthorized charge and WFC claims that I never disputed and there is no record of the dispute. 
2. XX/XX/XXXX on my secured credit card in the amount of {$65.00}. I disputed the charge 3-4 times and finally WFC provides me an UNSIGNED COPY of the charge. When I ask for the Merchant 's telephone number, WFC provides me a DISCONNECTED telephone number. Yet, XXXX claims that the charge is valid. 
XXXX. XX/XX/XXXX on my secured credit card in the amount of {$1900.00}. I disputed this charge 2 times. WFC can not produce ANY record. In fact, its representative told me that the merchant claims it was going to ship me something. I repeatedly told WFC rep.s that I do not have any relationship with the merchant and did not order anything from it and that the charge is unauthorized. WFC even confirmed with the merchant that the item was not sent ( EVEN THOUGH I DID NOT ORDER ANYTHING and DID NOT CONTACT the MERCHANT FOR ANY REASON ). However, it claims that because this merchant ran a {$290.00} charge FIVE MONTHS EARLIER ), then this charge must be valid. 
So, does not matter if I dispute a charge or not, nor that it matters if I truly purchase something, just because WFC does not want to process a dispute, then the consumer/card holder must suffer its representatives laziness or ignorance. Moreover, if a merchant made a charge and the card holder did not questions the first charge, then if the merchant makes additioanl charges sometimes in the very far future ( not even on a specific pattern ), then the charges must be valid ( even of WFC or the Merchant can not produce any evidence ).
Consumer complaint received 2016-06-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (WA)

I received multiple calls from an unknown number, which I did not answer. When the caller finally left a voicemail, she called herself XXXX XXXX, but did not identify her company. She told me to call back at XXXX XXXX as my 'case ' was being sent to XXXX XXXX. The same people then called my husband at his place of work and said they were trying to collect on an old credit card of mine that was written off over 10+ years ago. He said they were in violation of consumer protection laws by contacting him and told them to stop calling. The woman said she would mark this as a refusal to pay and claimed her company sent a letter, which I never received, in XXXX 2016. When I typed the number she gave into a search, I found several complaints about ARA XXXX, supposedly based in XXXX, IL. I contacted an attorney, who told me I need to get the company 's mailing address to file a law suit. He also told me to contact the FTC, which led me to this site.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We applied with Keep Your Home California ( KYHC ) hardest hit fund for assistance with foreclosure. We were approved on XXXX XXXX, 2016 for the Mortgage Reinstatement Program to bring us current on our payments. Wells Fargo received the funds from ( KYHC ) on XXXX XXXX, 2016. They mailed us a statement to make our XXXX payment. On the statement it gives different payment options. By phone is XXXX option that we tried and their system would n't allow it. Taking the payment to any local branch is another option that we tried on Wednesday XXXX/XXXX/16 and it was blocked from making a payment. The branch manager called them on the phone and was given the run around. They finally put a rep on the line to speak to me. She stated that the hold on the account would be removed on Friday XXXX/XXXX/16 to make my payment by phone or come into the branch to make my payment. I came back on Friday and again could not make my payment. The manager assisted me again and placed a call to them. It was a long wait before they got somebody to speak to me. a representative got on the line and referred me to the Trustee, which is the foreclosing agency that has an upcoming scheduled sale date on my property. I informed the Wells Fargo rep that I spoke to them on Wednesday and they told me that they get their instructions from Wells Fargo. I asked her to put a supervisor on and after a very long wait, someone got on the line who said she will look into it and give me a call. We want to be able to make our payments moving forward and keep our home.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it 's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
1. 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 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. 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/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On or around XXXX 2015, I received a telephone call from Navy Federal Credit Union Fraud Department. They indicated several transactions from XXXX, and a bunch of other retailers making many charges to my account. I notified them this was not me, and to send to the investigations department. I outlined all the transactions from both cards ( My visa debit, and XXXX XXXX ) and attached to their online e-messaging system. They replied they received them, and the credits would appear within 3 business days. 
The facts are-Navy Federal did NOT close my accounts. They remained open, and allowed hundreds more dollars to be charged to the account. Once I contacted them to close the account -- there were STILL more charges being allowed onto the accounts, even AFTER they were notified as fraud. 
I sent over my police report, and FTC fraud affidavit, and she stated I was to blame, and she was freezing my account so I can not use it. This is direct retaliation and discrimination against me, for exercising my rights of the fair credit billing act, and probably many other consumer protection laws, simply because they failed to do their job. 
For 3 months, they continue to report a completely false balance to the credit bureaus.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MN)

We had mailed our mortgage payment well over two weeks prior to the due date. However they never cashed the check so we called and made a payment plus the fee for paying over the phone. Because they had not recieved the check. However the next day they cashed our check. When we called them and asked why this happened they said that it was in pending when we had called yesterday. We requested that we get a refund for one of the payments we have bills that need to be paid. They said they can refund it it with a written request. So we faxed the request immediately over and were expecting to recieve our refund in 3 to 5 buisness days. We never recieved a check. Now our mortgage is due again we called asking when our check would come in mail because we are mailing the XXXX 2016 check today. They responded that the extra payment was applied to principal that they never recieved our written request. Yet our fax machine sends a confirmation when a fax goes through. Now we also found out that they have not been sending the appropriate amount due it was not showing the money needes in escrow. The ethics of this company does not seem to exist. Sadly we are only on month two of our 30 year loan.
Consumer complaint received 2015-10-15
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (LA)

I applied for a HELOC with US Bank Mortgage Division at the end of XXXX. I strongly believe my loan request has not been given proper attention. I am a single woman and this may be a fair lending issue. Below is a timeline of the transactions : Disclosures printed XXXX15I provided the bank with all requested information by XXXX/XXXX/15. 
The appraisal was completed on XXXX/XXXX/15. 
On XXXX/XXXX/15 I was asked to submit additional income information, which was submitted on XXXX/XXXX/15. 
On XXXX/XXXX/15 I received a denial of the original request for $ XXXX with a counteroffer of $ XXXX. I called to accept and no one returned my call. I emailed my lender and shedid not return my email. After several days of no response I called the supervisor who didid not return my call but had the lender call me. The lender said it was still inunderwriting and the letter sent was just a letter they send out and not an actualapproval. She would let me know when it was approved. I returned the offer letter via certified mail with receipt by the bank on XXXX/XXXX/15. 
On XXXX/XXXX/15 my lender notified me to have my insurance add them as the second mortgage on my insurance. My insurance agent complied. I asked the lender when we were closing as they are adding a second mortgage to my insurance. She said I wasstill not approved. 
On XXXX/XXXX/15 I requested a status on my loan and my lender said she would check andlet me know. 
On XXXX/XXXX/15 I was determined to get someone, other than my lender, to talk to me and after being on hold for 40 minutes was transferred to my. lender. She said she would look into the status. Later the same day I received an email telling me I did not qualify and would have to payoff my car loan in order to get the loan. I replied stating the car loan had not changed nor did my income from the date I received an approval. 
So after 72 days from the day of disclosure the bank is denying me on income which was in their hands on 9 days after the day of disclosure. I believe this is a violation of Reg B requiring banks to notify customers of a denial within 30 days of a completed application. In addition they provided a letter of approval for $ XXXX and are now saying that letter was not valid. I have documentation and emails to verify all of the above information.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Dear Sir, as an XXXX who legally leaves in XXXX Ohio since XXXX, I feel very frustrated today by the fact that a bank and a car dealer company, Credit Acceptance and XXXX have made me sign an agreement to finance my car. Initially, the car was around 12,000 . Because my credit was bad by then ( I was not familiar at all with the credit score in XXXX, having been here for only 2 years ), I made a deposit of XXXX XXXX Credit Acceptance financed the vehicle for me, a XXXX. I have been regularly paying XXXX $ every month for the past 2 years. When I checked with Credit acceptance how much I still owe after paying XXXX, I found that I still need to pay XXXX XXXX I realized that they made me sign an agreement to pay a total of almost 25,000 for a XXXX car initially sold for XXXX. I believe that they have abused me, and they did not treat me fairly. Banks although making profit must have a minimum of moral to avoid behaving like crooks who abuse innocent victims who are not familiar with the financial system. Please talk to Credit Acceptance, ask them how they made me sign these document and what are the criteria that made them put so high the price of an old car in spite of my effort to down deposit XXXX. My name is XXXX. my phone number is XXXX, and my e-mail adress is : XXXX. Please help me, I and my wife are making a very low salary, and are victim of a joint crooking service of XXXX XXXX in XXXX Ohio and Credit Acceptance. Thank you for contacting me as soon as possible, for more details. Thanks Good bless. Kalifa
Consumer complaint received 2015-05-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NJ)

My elderly mother and I went to a Wells Fargo Branch in XXXX XXXX, XXXX where my mom has an checking account. My mom asked to add me onto her checking account so that I could pay her bills while she is receiving medical care. The gentleman asked name, address, ssn, date of birth and place of employment? I answered all questions thinking this was for adding me to the account even though I was puzzelled by employment question. The rep never said what he was collecting the info for? He returned to inform my mom and I " that my credit would not allow me to be added to her account! '' My mom was very upset over the news. I asked the rep " did you run a credit report '' inwhich he replied " no I did n't ''. A week later I received a note from XXXX that Wells Fargo had run a credit request! Should n't I have needed to sign an consent to release my credit report to Wells Fargo and should n't the rep have only released that information to me?
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service of Logan, Inc. (UT)

This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit. 

I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency? 

I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received. 

I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Principal Group, LLC (TX)

I received a message on my voicemail that this company was " tracking '' me urgently. They stated since they left me that message they were legally allowed to contact any and all parties associated to me. 

That same day my dad and a family friend started receiving multiple calls of this company attempting to urgently track my whereabouts. 

Today I returned the call and they asked me to verify my information but would not disclose the name of their company or what their call was in regards to. They hung up on me when I pressed for information.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (CO)

XXXX / EQUIFAX / XXXX XXXXALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORT FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. 
ALL ACCOUNTS REPORTED ON XXXX / EQUIFAX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
Consumer complaint received 2015-08-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MS)

I CLOSED MY BANK ACCOUNTS WITH U.S. BANK 2 MONTHS AGO. THEY SENT ME A LETTER STATING THAT THEY CLOSED MY ACCOUNTS. IN THE MEAN TIME, THEY RECEIVED MY SOCIAL SECURITY CHECK AND WILL NOT RETURN IT. I FILED COMPLAINTS WITH THE BANKING INDUSTRY AND THE XXXX. I ALSO ASKED THAT U.S. BANK NO LONGER CONTACT ME. U.S. BANK CONTINUES TO CONTACT ME. THEY SENT ME A BANKING STATEMENT LAST WEEK AND THE FOLLOWING TODAY : View this email as a Web page. View our Security Policies. 
U.S. Bank ( R ) U.S. Bank ( R ) Action : Your primary email address has been changed. 
Date : XX/XX/2015For your protection, U.S. Bank automatically alerts customers when personal information changes on our systems. If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX XXXX ( XXXX ). Please do not reply to this message. 

To confirm that U.S. Bank delivered this Alert, access the Alerts link within Online Banking, select Security Alerts and view Alert History. 

Online Banking customers can receive other important account activity alerts, like low balances, when payments are due and much more -- all for free. Sign up or learn more today at usbank.com/bankonline. 

Find us on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Bank MobileXXXXBranch XXXX ( XXXX XXXX U.S. Bank Mobile1. You may be charged access fees by your carrier, depending upon your personal plan. Check with your carrier for details on specific fees and charges. 
EMAIL SECURITY INFORMATIONEMAIL SECURITY INFORMATIONEmail intended for : XXXXXXXXXXXX your privacy is our priority. We 'll never initiate a request via email for your sensitive information like your Personal ID, Password, Social Security Number, Personal Identification Number ( PIN ) or Account Number. For your safety, never share this information with anyone, at any time. If you receive an email asking for your sensitive information, or would like to report a suspicious email, forward it to XXXXXXXXXXXX or call U.S. Bank Customer Service immediately at XXXX ( XXXX ). 

Get more details about recognizing online fraud issues. 

Note : If you 'd rather not follow links from this email, you can access information on all U.S. Bank products and services at XXXX. 
To ensure that you continue to receive email from us, please add us to your Address Book ( XXXXXXXXXXXX ). Thank you. 

You are receiving this message as a service to your account because you are enrolled in Online Banking. U.S. Bank automatically alerts customers when personal information changes on our systems. 

View the U.S. Bank Privacy Pledge. 

U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( C ) XX/XX/2015 U.S. Bank, N
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

I have submitted my request to equifax in regards to the abuse of my credit profile with the collection agencies on my report and they along with the collection agencies do not want to comply with federal laws regarding debt collection practices in regards to billing, collections, medical debt they investigate it and no matter when the law is right they refuse to correct the errors on my report be purging the information from my credit record XXXX. I have asked them to supply me with the information of the individuals they have contacted regarding the alleged debt and they have refused profusely. Each time they expect their clients to tell the truth and when they lie they take their word as truth instead of asking for the original paperwork, billing or alleged contracts that they said that they have in their posession before the alleged debt was sent to them. I want with information from them and its refused each time now i am forced to go to get an attorney to sue the collection agencies and well as them for reporting such debts that i dont owe due to the bills being paid off.