davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

Macy 's Fraud Department contacted me by phone on XXXX XXXX, XXXX to verify suspicious charges and it turns out the charges were fraudulent. Macy 's XXXX XXXX removed a {$260.00} charge from my Macy 's store account and told me I should send a " Statement of Fraud '' to Macy 's American Express Fraud Department to remove a {$40.00} Shell Oil charge made in Delaware. I live in XXXX, FL and I have never been to Delaware. Also, I was told not to pay for the {$40.00} charge. That same day, I went to a Macy 's store in XXXX, Florida and paid off my balance of {$1300.00} in cash. 

Macy 's Fraud Department told me they were mailing a " Statement of Fraud '' to my home address ( they told me they could not e-mail or fax the form ). After several calls to the department I received said " Statement of Fraud '' on XXXX XXXX, XXXX ( 1 month after the initial call ). I signed it and return it by mail on XXXX XXXX, XXXX. I called the fraud department and I was told it would take several weeks to process the fraud investigation after they received my letter. I paid my XXXX Macy 's statement balance minus the {$40.00} Shell Oil charge. My headache was just starting. The Fraud department kept saying that they did not received my letter or my fax. So, I started calling and faxing as follows : Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX The answer was always the same : " there is no record of receiving the Statement of Fraud by either mail or fax therefore we can not investigate it. '' After losing my patience, I sent a copy of the " Statement of Fraud '' to the Fraud Investigation Department by XXXX signature required on XXXX XXXX, XXXX and it was delivered and signed for on XXXX XXXX, XXXX. Afterwords, 3 months after the initial call, I called the fraud department and after one hour on hold I was told that they would give me an answer in a few weeks. My credit is damaged, Macy 's calls me everyday looking for payment, the original {$40.00} is now over {$120.00} with interest and late charge fees. I have spent more money with calls and XXXX that I would have if I had paid the original {$40.00} fraudulent charge. 

I want to clean my credit but the Fraud Investigation Department of Macy 's American Express card is not cooperating and it has made my life XXXX for the past 4 months. I was a very good Macy 's costumer and I can not wait to close this account and never again step in a Macy 's store while I am alive.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I was paid by the maker of a check drawn from a XXXX account. I deposited this check into my Chase checking account. Chase transferred the funds from XXXX to Chase, but refused to credit my account. In addition, they have now frozen and closed my account. They have refused to provide any explanation as to why they have done this. They also refuse to contact the maker of the check, or XXXX. The result : 1 ) the maker has had the funds withdrawn ; 2 ) I do not have the funds ; 3 ) Chase refuses to make these funds available to me. I believe that Chase has committed fraud. I have contacted Chase by phone and in person and they refuse to provide information of any kind to me.
Consumer complaint received 2024-11-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (GA)

on XXXX XXXX I deposited a XXXX 's check for amount of {$XXXX} into my Wells Fargo XXXX account ending with XXXX, but I forgot about this deposit. Then I deposited the same check into XXXXXXXX XXXX  bank on XXXX XX/XX/year> by mistake thinking I hadn't deposited. Then I received a letter from XXXX XXXX  saying saying this check was process and returned due to duplication of deposit. At the same time Wells Fargo deducted {$XXXX} from my checking account and since then I have Faxed them the XXXX  letter and they keep delaying putting my money back into my account and recently on XXXX XXXX when I called the claims Center their senior escalation said you have to wait for XXXX  days and then hung up the phone on me when I asked for the reason. I am very upset because they are keeping my money for no reason. They never paid XXXX {$XXXX} they just returned the check.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

I have been a consumer of Wells Fargo commercial loan for 7 years. During this time I have contacted them, in XXXX in XXXX and most recently this past spring, looking to refinance my commercial loan. Each time, I was told that they do n't refinance commercial loans. So I have continued to carry the loan with them at 10.6 % because I do n't have the funds for the appraisal required by going to a new lending institute. In fact, I 'm living with a family member because I can not afford to pay rent. After hearing all that has happened with Wells Fargo, I thought there might be something fishy in the commercial loan department as well. I say this because for each call there was no person higher up that was available to challenge this no refinance policy. As a result of not refinancing, I put my property on the market this summer to get out of debt. No takers so far. If your team thinks this could be challenged, I would appreciate a call or email. 

A few more details ; I am a sole owner, no llc, who put my saving into a XXXX unit investment property in NH right before the recession. I am not some big development or corporation with legal muscle. The financing I got was with XXXX who sold my loan to Wells Fargo roughly 7 years ago. 
I 'm not expecting miracles but if there is something to uncover I 'm confident that your team can.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I contacted TRans Union and did an online dispute because they are reporting that I missed XXXX mortage payments. I have not missed payments, my mortgage payments are LATE. a big difference from missed payments. If I truly missed XXXX payments my house would be foreclosed upon. I contacted them twice and they told me both times they are reporting correctly and the information has been verified by my mortgage company, XXXX. I contacted XXXX and they said they are not reporting it as Missed payments, just late payments. I ca n't get Trans Union to update or correct this. I have attached the email from Transuion showing the results of their investigation or the XXXX time and it still shows XXXX missed paymnts on the mortgage. I attached my most recent XXXX statement.As you can see payments have been made and I am missing on payment for XXXX 2015 which actually is sitting in unapplied funds. Nothing on this shows I am XXXX payments behind as trans union is reporting and wont ' fix.
Consumer complaint received 2016-11-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

We were scheduled to close on a house on XX/XX/2016 - all cash deal and have the money wired to the title company in the sum of {$540000.00}. On XX/XX/XXXX we had {$530000.00} wired from our private brokerage account XXXX who banks with XXXX wire the above sum to XXXX No : XXXX and {$8000.00} wired to the same account from Chase. XXXX got a red flag that this was a fraudulent account and stopped all wire transfers and nothing was wired. ( That account was flagged as a fraudulent account and this individual is a known felon and can not sue ) A police report was filled out on behalf of my husband and I and transferred to Detective XXXX. Case # XXXX. 

On XX/XX/2016, XXXX returned {$530000.00} to our XXXX account and we took out an additional {$8000.00} so we could close all the while being told by Chase that it would take a few days to return the {$8000.00}. 

Fast forward 3 weeks and XXXX & Chase keep pointing the finger at each other. The money has never left XXXX so I do n't understand why they wo n't return the {$8000.00}. XXXX is stating Chase needs to sign a Uniform Indemnification Agreement that will allow XXXX to release the {$8000.00} to us, however, if for any reason a lawsuit comes out of it, XXXX is not held responsible and Chase takes 100 % responsibility. Chase refuses to sign this as they do n't even have the money. My husband and I agreed to sign anything that we will not bring legal action to either bank. XXXX met with their legal team and they will not accept that. The case number for XXXX is XXXX. 

The people we have spoke to at XXXX are as follows : XXXX ( Fraud ) - XXXX XXXX - Branch Manager - XXXX ( go between us and legal ) XXXX - District Manager - XXXX The people we 've spoken to at Chase are : XXXX - Branch Manager where wire transfer took place - XXXX XXXX - Executive Director Market Director - XXXX We appreciate any help you can provide us in getting our {$8000.00} back. I appreciate your taking our situation seriously.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid Trans Union credit reporting agency to provide me with credit reports and credit scores for all XXXX reporting bureaus, but got a vague report and speculated credit score. I checked my credit score through XXXX website to find a completely different number. When I spoke with a supervisor ( Name XXXX ) he told me they calculate the score for all XXXX companies in their own way and that I agreed to some writing about it. They have the actual XXXX logo on top of the credit score with a different number than XXXX actually reports. This is misadvertisement. I did not receive what they advertise.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (TN)

I applied for an Amazon credit card about 5 months ago and Chase approved that XXXX, but denied my application for a Chase Slate credit card saying I applied for too many credit cards within the last 24 months. So I tried to get a Slate card within this new year of 2016 and the denied me again and now my credit score will have a big ding on it and I have good credit. ( or did ). I would think this new year would be not involved in the past 24 months and I feel it is very unfair for Chase to include my new application in it! Does the fact you have good credit not mean anything to Chase Bank!!?? As long as your credit is good and you have been paying ALL your bills on time, it should n't matter how many cards you apply for. NOW my credit score will go down for NOTHING!!
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

my name is XXXX XXXX I had lone from welfargo I bought hose I took lone XXXX I paid XXXX I had remaining XXXX my wife divorce me the judge order her to live the house so left me my XXXX dougter living on the house so I cadent afford to pay I asked several time to reduce my mortgage XXXX housing cancel help me to talk to welfargo they fax all the paper work to welfargo they no respond I did XXXX to file bankerbcy XXXX XXXX XXXX XXXX Bankruptcy Attorney I found out he never pay welfargo he garnished my checks XXXX every 2 week XXXX evry month welfargo they drop the bankerbcy cadent afford to pay I had depereshen the divorce the bank gave me hard time I started rent the house pay the mortgage but my ex wife e invected my tenant at same time welfargo took me to supreme court asked the court to review my mortgage the cort say his not kipping the house the court give as time to seal the house from XX/XX/XXXX to XX/XX/XXXX I never notified from welfargo they sel the house on action on XXXX for XXXX and they new owner he took me twice the city court dismissed the case twice the court told they new owner he have to have 90 days notes but the new owner some how he know people XXXX conty sherfe they luck my house my car and my close inside write now I am both haven XXXX I am homeless I do n't know what to do Address : XXXX XXXX XXXX XXXX , XXXX, NY XXXX Phone : ( Hours : Open today XXXX-XXXX
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (MI)

I attended a for-profit institute in XXXX XXXX, MI owned by XXXX Colleges. The XXXX closed them down and stated that what they did was against the law and they forgave our federal loans and we were told that the private loans that originated from XXXX, owned by XXXX Colleges and now UASXXXX, should clear those loans. I have stopped payments due to what the federal government has stated. They now call me and my mother everyday saying that we need to pay even though I talked to them and told them what the XXXX had said.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I was charged the below fee for a check that was dishourned and I feel this {$12.00} fee i is very unfair since I have so much of money with Wells Fargo. 

Date : Fri, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : Wells Fargo : Checks deposited into your account have been returned wellsfargo.com Checks deposited into your Wells Fargo account have been returned The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$140.00} from your account XXXX. 
Date Reason Check number Amount Returned deposited item fee XX/XX/2016 Stop Payment XXXX {$120.00} {$12.00} Total returned deposited item fee ( s ) {$12.00} We are sending you a paper copy of these checks via U.S. mail, which includes the front and back image of the returned check ( s ) for your reference. 
For the most current balance and more account details, as well as access to deposited check images, sign on, go to Account Activity, and choose this account from the dropdown menu. 
If you have questions, please call us at XXXX, XXXX hours a day, 7 days a week, or contact us by secure email. 
Sincerely, Wells Fargo Online Customer Service wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to send a secure e-mail. 
You are receiving this alert because you are an online banking customer. To modify or cancel your alerts, please sign on to Set Up/Modify Alerts. 
XXXX
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Norwich Commercial Group, Inc. (CT)

I started with Norcom Mortgage when I bought my house & they are either doing bad business or very unorganized. They A ) have sold me back and forth from there XXXX, XXXX branch & their XXXX branch.. & currently sold me to a company. B ) My town taxes are with my monthly mortgage & they did n't pay them till I got a bill from the town so payments were late, that happened XXXX. They didnt pay my home insurance through XXXX which is within the mortgage, & this past yr XXXX sent me info in the mail saying they were not being paid so they dropped me. Come to find out they were paying through XXXX which I havent been with for a while. I think they should be audited..I dont know how many other clients they are messing with their money & credit. Everything has been paid but late, my last straw was them now not transferring over my last payment to new Mortgage Company & getting letters in the mail saying I could be penalized.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I have applied for a HARP refinance of my condo with my current lender. Although I am HARP eligible, but they are indicating that my flood insurance policy is not sufficient despite it being in excess of XXXX. They are further indicating that my only option is to get increased coverage up to {>= $1,000,000}, which is not only implausible, but absurd. This also does not make logical sense to me as Wells Fargo currently owns my loan and my flood insurance is sufficient for that loan.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union - Should be removed with bankruptcy discharge XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX REV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast Past Due : XX/XX/XXXX90+ Days : XX/XX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XX/XX/XXXX XXXX REV RevXXXX XX/XX/XXXX C XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX230 Days : XX/XX/XXXX60 Days : XX/XX/XXXX90+ Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2016, I received an updated credit report from Transunion about some public records that I disputed. I got the results back only to find out that XXXX things that I had disputed had been overlooked, they never reported any updated information about the remaining XXXX public records. I have called, written, faxed, and e disputed these items..I talked to a representative on XX/XX/2016 and she assured me that the items would be removed in 24/48hours..I called on XX/XX/2016 only to find out that the items had n't been removed but she opened a new dispute for the remaining public records..I am asking that the my request for the records be removed immediately.. The dockets numbers are XXXX and XXXX.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was notified of this charge by XXXX of XXXX. I told them this was not my bill, I did not apply for credit, charge anything to them and asked for a copy of the signed agreement of credit and/or credit charges so I could prove that was not my signature. They refused to send me them. I explained my x-husband has used my name and ss # before to get credit and skip out. He previously charged house furniture to a company in XXXX and I have had car repo people show up at my house to repo his truck. I tried to get some kind of proof from XXXX that this was my bill. I have never been to XXXX, do not intend on going there, and I would remember if I had open credit. I did not start getting credit after my bankruptcy until recently. I believe because they can not locate the rat I was married to, they will try to pin it on me. I 'm just starting to get myself back in ; the good, and I do not need a foot holding my head under water for something I did not do.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY XXXX, VA XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A or any company associate with this account # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX, XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2017-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

well as you shouold know by now, i state that infact a wells fargo, and XXXX XXXX, did in fact plan and execute a and emezzled many thousands of dollars from me. then i have noticed wells fargo secuity, and also depository insurance isnt even for a person like me, i have proven over and over you wells fargo are deciving everyone. understand i will not let this rest until i have my money and justice is served.you your staff tell me just enough i know one day you will get caught. andth i would advise you do the ma
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.