davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY ()

Since XX/XX/XXXX, I am a client of WELLS FARGO BANKS and the account holder of XXXX accounts currently XXXX and XXXX., on XX/XX/XXXX, I received a call from the XXXX Department of Wells Fargo Banks , to inform me that a number of debit card transactions had been made -presumably in my name- in XXXX , NY , from XX/XX/XXXX through XX/XX/XXXX. This time the charges amount to the total sum of XXXX dollars with XXXX cents ( US {$9400.00} ). The person who called me identified herself as XXXX, her Wells Fargo Banks ID number is XXXX, and her contact phone number at the XXXX is XXXX. I informed her that I was in XXXX, XXXX, and that the debit card that the bank had sent me to my home address was still in my possession, is a new debit card and that IT HAD NEVER BEEN ACTIVATED BY ME. XXXX told me that they would proceed to block my accounts and to cancel the aforementioned debit card, and gave me the claim number for my case. XXXX informed me that, in at least a week, I would receive a call from the XXXX of Wells Fargo Banks to provide me with information about my case. She also indicated that I could call the number XXXX to check on the status of my case. I then wrote an email to XXXX, the XXXX at Wells Fargo Banks ' XXXX office who attended me on XX/XX/XXXX, to inform him of the serious situation that I am going through, and of the damage to my financial assets that I had suffered. XXXX replied that he was so sorry and embarrassed by all this, and that I could rest assured that the bank would refund my money, as he was reviewing my account while he was writing the reply email and, in his exact words, he said " IT IS OBVIOUSLY A CASE OF FRAUD. '' Having not received any call from the bank since I last spoke to XXXX, I called the aforementioned number on XX/XX/XXXX and told the operator that I needed to know about the status of the case of fraud to which I am being a victim. The operator transferred my call to XXXX in Wells Fargo Banks XXXX, who from now on would be the person assigned to my case. On XX/XX/XXXX, I received a called from XXXX to inform me that Wells Fargo Banks will not refund the money extracted from my accounts, claiming that " it is not possible that the debit card has been cloned ''. I immediately demanded to talk to a supervisor and they communicated me with XXXX, who committed herself to reviewing my case and promised to call me back soon to provide an answer, which to this date it has not happened. This is the second time someone has made unauthorized consumption with my debit card.In XX/XX/XXXX someone made purchases in several US cities for {$790.00}. In that moment, fortunately Wells Fargo Bank returned the money to my account.
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

hello, I was charged an overdraft fee in the amount of {$35.00} for a {$1.00} check I wrote to NJ-EZ pass check # XXXX on XXXX/XXXX/15! I had an ending balance of about $ XXXX {$110.00} in the account, and there was a check I wrote for {$600.00} which was mistakenly deposited a day before it should have been, so that caused the account to overdraw by about {$490.00} or so. Well Fargo will say the checks are presented as they come in at the end of the day, and they will lie and say the check for the XXXX dollars came first causing the account to overdraw! 
they do their calculations at the end of business each day, and items are pending allowing you to make a deposit, so I clearly do not know how they can say they pay the items in the order they come in. 
They do this all the item seeking to charge as much as they can in overdraft fees,. 
While I am greatful they honor my checks ( they should, I have been banking with them for over 8 years, and they have been getting tremendous amount of fees from me in the last year or two ). When I am in the wrong, I do not argue with them for the fees to be returned, but in several cases, such as this, I will. 
Again, {$35.00} for a {$1.00} check???? that is criminal!! 
Why are things like this allowed to happen over and over??? 
why are these banks not presented with stricter regulations on such things as this? 
I am not letting them get away with this XXXX, and need your help. 
I am not rich, support my XXXX mother, and pay over {$300.00} a week XXXX to come to my home, which makes money very tight for me. 
I am sick of this, and want something done about the criminality of Wells Fargo for thinking they can do such things! 
Thank you for your help, pls go after them to the fullest extent
Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

On XXXX XXXX, 2016. My home was illegally entered without permission or standing and theft of property occured at my home by a subcontracted vendor XXXX for Wells Fargo. 

The letter I received from Wells Fargo stated, " the property preservation vendor was not at your property on XXXX XXXX, 2016. '' The incident report, from the police, states the individual 's apprehend by the police in my home had a work order from XXXX, which is in direct contradiction to Wells Fargo 's findings. It seems implausible that XXXX has no record of employees at my residence, but the incident report written by the police noted documents with XXXX information and a work order number. 

As I followed up on my complaint with Wells Fargo, the contact person tried to prevent me from escalating my complaint. He stated, he is the furthest my complaint which could be escalated, which was not true. As this process continues I have been " rekeyed '' out of my home. 

The police report I 'm submitting is the preliminary report. I am waiting for the detectives to update the report from the investigation of the burglary.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have received an alert of a new Inquiry from a lender ( Bank of America. ) on XX/XX/year> I have never authorized or have had any contact with this Bank. 
I requested a Fraud Alert and filed a dispute with them last XXXX because of this very same situation and now, here we are again, another unauthorized inquiry 7 months later from the same lender.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Upon receiving a Special unemployment Forbearence with Wells Fargo, I was advised that at the end of the forbearence period I would receive a modification to obsorb the delinquent amount. I have been denied a modification after two years of applying. My loan has now been referred for foreclosure. Wells Fargo received, accepted and returned several payments for XXXX prior to the foreclosure. ( see CFPB letter )
Consumer complaint received 2023-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NC)

Received notice of collection efforts for {$980.00} on XXXX XXXX by MRS BPO.com that I have no knowledge of this debt whatsoever. All my bills are paid and on time. 
Called no action often do not answer ( XXXX ).
Consumer complaint received 2016-11-07
Product: Consumer Loan — Pawn loan
Issue: Payment to acct not credited — 
Company: WELLS FARGO & COMPANY (CA)

I have a loan ( should be had ] with Wells Fargo bank. It is secured by two c.d.s. of {$50000.00} each This loan could be paid off anytime. XX/XX/2016 I made a payment of {$67000.00} against a balance of $ XXXX.The check was from a title company whom I had gotten a loan from This should have been simple, pay off my loan, and give me a refund. XX/XX/XXXX was a XXXX and I was told it would take to next week to clear the transaction. My receipt said it would take 3 days to post but it will be credited to your account. 
I went back to the Wells Fargo branch on XX/XX/XXXX and asked why my loan still did not show being paid off. XXXX called and was told it was taking time. In addition, I was told there was a check in the mail of {$4700.00} being sent to me. 
I waited till XXXX, no check and still showing a balance of now {$64000.00}. I asked where my check was and was told there is no check, we will deposit the money to your account. 
This is now XX/XX/2016. It has been ten days since I paid this off and I have no refund money and I still owe now {$64000.00}. I was also told when I asked that my c.d.s which secured this paid off loan would take 2-3 weeks before they could be released. This would mean from the date of payment that my c.d.s would be held for 31 days. Why? 
XX/XX/XXXX, I was told by XXXX that he had tried to call me and sent an e-mail ( strange I have an answering machine and no message and surprise no e-mail on my computer ) that wow my loan only showed that I owe {$1700.00}. 
The overpayment money was still not deposited to my account. 
How XXXX are the people that handled this transaction? 
They could have paid off the loan and put the overpayment money into my account. This is now XX/XX/2016 and once again I will go in and see if my refund money is available. 
I just want to get this finished, have my loan say zero, have my refund, and have my c.d.s
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I like to report that there has been fraudulent activity going on in my bank this is the banks from wells Fargo and XXXX XXXX XXXX I have also had accounts tried to be opened up at the XXXX XXXX in my name I have already disputed claim and written letter to well wells Fargo and XXXX XXXX XXXX they XXXX XXXX XXXX has yet to respond to the claims it has been more then 30 days and I have yet to receive a response from XXXX XXXX XXXX theat are now 3 days pass
Consumer complaint received 2016-01-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (NE)

Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment, charges a fee assessment and then takes the rest of the payment. If I have ten days then the fee should not be assessed until the eleventh day. When I contact the bank about reimbursing the fees they stare they can only reimburse XXXX time as a courteously but no more and this means ever not just that month. I have emails where they have stated this.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My XXXX/XXXX  Account is still showing as OPEN on Equifax ONLY. I've opened 3 disputes in the last 2-3 years to have this corrected as this account was closed TWO years ago. I'm now in the home loan process & this error is preventing my family from having a place to live. XXXX/XXXX  has sent multiple letters and updates to Equifax however, it's been two years and they still haven't updated it. I have now opened yet another dispute yesterday but we don't have time to wait another 2 years.Can you please update or delete? Our family is counting on you during these already unprecedented times. It's been 2+ years - can someone please help. I've called so many times to no assistance. See attached!
Consumer complaint received 2016-12-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (HI)

I made a Customer Access Request and provided the appropriate documents however I was never provided with the detailed documents ( See attached page XXXX ) I anticipated receiving such as : 1 ) Banking Security Code Authorization approval document receipts authorizing the specific transaction ( Indicating the Date and Time of authorization ) Card Purchase Date XXXX/XXXX/2016 ; Posted XXXX Checking Account XXXX/XXXX/2016. 
2 ) The Name of the Individual who was supposed to receive the funds XXXX ) A Copy of the signature release form from the vendor who released the funds to the intended receiver. 
What I received from Western Union are shown on pages XXXX and XXXX of XXXX pages ; and if you notice XXXX/XXXX/2016 was not even listed on the Western Union documents provide me. 
I contacted Western Union concerning the error within the provided documents See page ( XXXX ) of ( XXXX ) pages for specific details. Pages ( XXXX ) thru ( XXXX ) of ( XXXX ) pages shows details of follow up attempt inquiries as to wither or not I would be provided the original requested documents. 
I may have spoken with Western Union one time since XXXX XXXX, 2016 concerning this issue and conceded to file a follow up complaint with the CFPB.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I bought 3 XXXX gift cards issued by US bank from XXXX. 2 of the 3 cards can't be used and got declined when I tried to use them. I called the number on the back of the card, I was told to submit documents to XXXX for card replacement. I submitted all documents for one XXXX gift card. but the website gave me an error when I tried to submit documents for the 2nd XXXX gift card, I tried several times and it always gave me error and it didn't go to the next step for me to submit documents. I called the number on the card again and was told the website is the only way to submit documents for replacement. so I am stuck and with no way out.
Consumer complaint received 2016-04-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash Central has been calling my home at least four times a day for several months. They have called my in-laws, run my husband 's credit without his permission, and called my office several times. The dates and times are documented and available. 

They say a loan was taken out over the internet in my name. When asked for proof they sent me a legal document that had my name and address on it only ( obviously available on the internet ). They did not show a signature, location of where the loan was requested, location where the funds were provided to, social security number that was used, birthdate that was used, or mothers maiden name. 

They have requested personal information of that nature from me and stated they will begin their harassing calls again if we do not provide the information requested. 

I have never heard of their company ( nor want to again ) and have never applied for an internet loan.
Consumer complaint received 2017-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (VA)

My mortgage Application was canceled. I started this process in XX/XX/XXXX and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in XX/XX/XXXX that had to be uploaded by XX/XX/XXXX. I never received any emails or mail requesting documents. I uploaded them on XX/XX/XXXX because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed to extend the rate lock until XX/XX/XXXX and have the document proving that. I was having trouble with the appraisal, I had that completed in XX/XX/XXXX and submitted a ROV on XX/XX/XXXX. They sent it to the appraiser one month later and they did not reply to his request. I have all the documents to prove this. This is an unfair and deceptive situation. It seems like the right hand does not know what the left hand is doing there. This could be tens of thousand in interest and this only benefits them since now I have to apply at a time when rates a severely increased.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My husband and I a joint checking account at Bank of America, in XXXX, VA. The Bank allowed one of our check payees to cash the same check twice. In fact, the Bank allowed this payee to do this five different times, over a four-month period, for a total of {$1900.00}. I have the supporting documentation, including the record of the checking account debits and the duplicate check images that the Bank included in our checking account statements. I called the Bank 's fraud department today. The first person said it is not possible for a check to be cashed twice ; the system is designed to catch that. When I presented her with the evidence, she transferred me to the Bank 's check fraud department. The woman there said that because I wrote the checks in question, that was not fraud on the Bank and that I would have to go to the police to get my money back. When I told her that I was a lawyer and gave her the definition of fraud, she took my information and said that the Bank would be sending me the forms to file a claim, which would be reviewed by a claims analyst. She said I would get the forms within seven to ten business days. She suggested that I might want to close my account. I will file the claim, and I will get my money back. But I am appalled that Bank of America 's system allows the same check to be deposited twice. I am also appalled that neither of the Bank 's fraud department representatives appeared to view this as a serious customer security problem and that neither representative appeared interested in following up on the systems security issue. The woman in the check fraud department surmised that the payee had first deposited each check using a mobile app and then later deposited the hard copy of the check in an ATM. The checks were cashed in different check statement periods. So, the Bank 's representative working in the check fraud department believes that it is possible for a payee to deposit a check using a mobile app and then later to deposit the hard copy of the same check. But she apparently does n't think that is a serious security systems problem!!!
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I went to XXXX seeking help to modify the interest on my home loan. When we ( wife and I ) signed the documents, with Select Portfolio Servicing who were with with XXXX, we were not aware of the final balloon payment on the interest bearing principal balance added to my mortgage. I was never given a copy of this agreement. I became aware of this recently when I asked the homeownership counselor what my final payoff will be, the told me about this new balance on my mortgage. I feel that fraud and misleading information has taken place. This organization was not upfront nor honest with me.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage with one year remaining. I paid off the mortgage on XXXX XXXX, 2015 with a certified cashiers check as was requested. I have been attempting to get a filed release of lien on this property. After contacting Nationstar customer service on multiple occasions, by phone and in writing, I have still not received the recorded release of lien. I did request and received an emailed copy of the notarized release dated XXXX XXXX, 2015 but it did not have any information related to filing. The County Clerk office for XXXX XXXX does not show a filing for the release as of today ( XX/XX/2015 ). I have contracted with an attorney, who sent letters to the XXXX addresses I had for Nationstar document administration. These letters were received and signed for on XXXX XXXX, 2015. 
I need to have the filed release of lien in order to apply for a Home Equity Line of Credit on the property. On XXXX XXXX it will be XXXX months since the loan was paid off and more than 2 months since the release was notarized but still not recorded. Nationstar has not responded to my attorney yet.
Consumer complaint received 2023-07-30
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. (TX)

There are negative aspects going back to 2021 on my credit that have hindered my purchasing of a new home as well as inquiries I did not submit. I am filing this report in correlation to the law 15 USC 1681.
Consumer complaint received 2023-01-20
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX Government Services, due to financial fraud, and protected by Consumer Rights. Immediately following Speedy started sending me terrible threats, and posting on my Credit report, assigned later to NCA FOR COLLECTION, changing the information when the acct was originally opened.