davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (SC)

I applied online at wellsfargo.com for a secured credit card with Wells Fargo on XX/XX/XXXX2016. After the application was complete, I received a screen that said my application was pending because Wells Fargo needed more time to gather more information. I did not receive any further correspondence from Wells Fargo about the application nor did I receive a phone call or any message from my Wells Fargo account about the application. On XXXX XXXX, 2016 I checked my account in the morning and found that {$300.00} was taken out of my bank account for the secured credit card that was approved with Wells Fargo. At this time I still had not received any information that I was approved for the application or that money would be taken from my bank account to start the secured credit card. As soon as I saw the money had been removed I called Wells Fargo to find out why. I spoke with a representative in the credit card department who advised me that I was approved for the application and that I would receive a card in the mail within 7-10 business days. I advised that I was upset about the steps that had been taken with no communication on Wells Fargo 's part to advise of the approval and that I wanted to know if I could decline to receive that account. The rep advised me that I had 10 days to call back to get my money back immediately but if I did not then it would take 45-60 days to have funds put back into my bank account. I waited 2 days to see if I would receive anything from Wells Fargo stating the account was approved and I did not. I proceeded to call Wells Fargo and close the account. I was advised that it would take 45-60 days to have the funds refunded to my account. I proceeded to advised the representative the issue and what had happened and she advised me that it may be sooner since the account was not fully funded and still in processing. As of XXXX XXXX, 2016 my funds have still not been refunded to my bank account and I still have not received any communication that I was approved for a secure credit card and what the terms and conditions of the card/application are. I called again on XX/XX/XXXX2016 and spoke with XXXX representatives and nothing was attempted to get my funds refunded sooner than XXXX business and I was advised that Wells Fargo 's policy was that they only refund the collateral hold within 45-60 days. Because I did not receive a email/letter/call about the approval for the application I was not made, aware before the funds were taken out of my account, that this was a policy of Wells Fargo and that it would apply to me once the funds were removed.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my freelancing work. These physical checks are delivered to my US address, XXXX XXXX XXXX, XXXX XXXX, California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my US bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over one thousand dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Chase Bank will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the XXXX and thus is not allowed to do international notarization. At the same time, the US Consulate provides notarization services but traveling to and from the US Consulate and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX, I would like to inquire if the bank with allow a signed power of attorney with XXXX witness signatures, in accord with Section 4122. Please promptly advise and I will have a Power Of Attorney signed with XXXX signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX XXXX XXXX XXXX or contact me directly at XXXXXXXXXXXX Sincerely Yours , XXXX XXXX XXXX
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

To whom it may concern : I applied for a loan modification with PNC in XX/XX/XXXX. My loan is a portfolio loan which is not owned by XXXX or XXXX and does n't qualify for HARP so options were to sell, refi ( but bring money to the table ) or modify the existing loan. 

On XX/XX/XXXX I received a trial payment condition in order to qualify for the loan modification. 
1st payment {$900.00} .... I paid XXXX on XX/XX/XXXX 2nd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX 3rd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX ( I paid extra ) On XXXX I received a check back from PNC for {$790.00}. stating I did n't pay the amount in full. 

On XX/XX/XXXX I sent {$990.00} to PNC to ensure that my payment was covered ( this extra was to cover the fee they added ) When I received my loan modification paperwork - the terms were not what I wanted or agreed to, so I did n't except their offer. 

In XX/XX/XXXX my credit report is showing that I was over 30 days late for my XX/XX/XXXX payment. 

Now that I have a 30 day late I ca n't refinance my mortgage with any lender for a year. I feel that they set me up to fail so they could keep my loan to service for another year. 

Now I understand that the loan modification paperwork states paid by the XX/XX/XXXX of each month but if you listen to the recorded phone calls made by PNC their customer service reps state as long as its paid within the month. I made not have made the payments on the XX/XX/XXXX, but they were NOT 30 days late. 

Please see attached paperwork and bank statements showing that the funds cleared prior to the end of XX/XX/XXXX. 

Thank you in advance.
Consumer complaint received 2017-01-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

Not only have JPMorgan Chase Bank , N.A . and its Agents failed to produce a live physcial note with a wet signature which secures the collateral tied to a " mortgage '' that has violated various regulations set forth in the Truth-In-Lending Act, JPMorgan Chase Bank , N.A . and its Agents, continue to abuse their customers in foreclosure after committing mortgage fraud by altering documents and attempting to exercise expropriation of private property unaffilated with said " mortgage ''. 

Statements set forth in Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act are not true and not correct. The Attorney representing JPMorgan Chase Bank, N.A fraudulently added an additional Tax no. ( XXXX ) to the Notice of Sale Pursuant to Judgement of Foreclosure dated XXXX XXXX, XXXX under Illinois Mortgage Foreclosure Act that altered the Judgement of Foreclosure and Order of Sale filed on XXXX XXXX, XXXX. The Motion to Stay Foreclosure Sale filed XXXX XXXX, XXXX is attached to the complaint. 

The additional Tax no. ( XXXX ) fraudulently included on the Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act is owned by the taxpayers listed below. This fraudulent addition of Tax no. ( XXXX ) altered the Judgement of Foreclosure and order of Sale filed XXXX XXXX, XXXX entered by Judge XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. This is abuse by JPMorgan Chase Bank , N.A . and its Attorneys of the regulations set forth in the Illinois Mortgage Foreclosure Act to expropriate private property for private use without payment of compensation to the below taxpayers. 

Taxpayers of Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Taxes are paid by the Taxpayers of record as listed above for the Tax Year XXXX.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Late Payment - Request for Deletion Account Number : XXXX I am writing to formally dispute the late payment reported on my credit file for the account referenced above. 
According to my records and the information I have reviewed, this entry is inaccurate, and I believe it does not comply with the requirements set forth in the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 USC 1681b** , which mandates that only accurate, complete, and up-to-date information be included in credi reports.

Under this statute, creditors and credit reporting agencies are prohibited from reporting information that is inaccurate or outdated. This inaccurate late payment has been reported on my account, and I request that you update payment history as agreed never late ( PAANL ) Details of the dispute : - The late payment entry in question appears on XX/XX/XXXX- I have always made timely payments on this account, and I can provide supporting documentation, including bank statements and payment confirmation, to verify that this was an error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and based on the evidence, update Please notify me of the results of your investigation within the timeframe specified by the Fair Credit Reporting Act. If you need further information or documentation to assist in resolving this matter, do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the correction or deletion of the late payment entry from my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Fraud happened to me and none of the activity and inquiries that are showing up on my credit profile have not been authorized by me. Im experiencing some level of fraud. Also, I have old settled debt being sold to new companies and re-reported on my credit. I need these accounts whether they are credit accounts or, any other type as well as inquiries removed. Divisibility of these erroneous increase and other things is against the law and breaking my legal rights
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Dear CFPB, I am writing to formally file a complaint against Bank of America regarding the unauthorized removal of my name from a company checking account without my consent and with falsified documentation. I believe these actions are a violation of banking regulations and consumer protection laws. 

Details of the Incident are available when needed. 


On XX/XX/year>, I discovered that I was removed as an authorized signer from the company checking account at Bank of America without my knowledge or consent. In fact, earlier in the day I specifically stated that I DID NOT give consent. Upon further investigation, it became clear that the bank processed this removal based on falsified or inaccurate documentation that I never signed or approved. 
The removal of my access to this account has caused significant disruption to the companys financial operations and has put both my personal and professional interests at risk. 
3. Attempts to Resolve : I have reached out to Bank of America multiple times to rectify this situation. I requested a review of the documentation used to remove me from the account, and it was clear that the signatures and authorizations provided were falsified. Despite presenting this evidence to the bank, they have failed to restore my access or take corrective action.

4. Impact of the Incident : Inability to manage company and personal finances ( due to linked accounts ) and make necessary payments. 
Risk of financial loss and damage to my professional reputation. 
Emotional distress due to the mishandling of the situation and ongoing delays in resolving the matter. 

Resolution Requested : I am seeking the following from the CFPB and Bank of America : Immediate reinstatement as an authorized signer on the company checking account.

A full investigation into the falsified documentation used to remove me from the account.

Compensation for any financial loss or damages incurred as a result of this unauthorized action.

Assurance that corrective measures are taken to prevent such incidents from happening in the future. 

I have relevant documents, including account statements and my correspondence with Bank of America, to support my complaint. Please let me know if additional information is required. 

Thank you for your attention to this matter. I trust that the CFPB will help ensure that Bank of America is held accountable for this mishandling of my account.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc. (CA)

XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. 
This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can help.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2015-11-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I have been paying my mortgage to in PITI for years. My monthly Mortgage ( PITI ) has been XXXX the past 2 years. 
It is my right as a mortgagee to pay any escrow shortage rather than accept any rate increase. The Principle and Interest amount is fixed and is only subject to amortization.The only change in amount due is based on an Insurance increase or a tax increase. If either or both should happen, it is the mortgage company responsibility to notify me of an rate change. They have not. 
If there is an anticipated shortage in the escrow the mortgage bank by law is required to notify me of the shortage. Then I have the option to send a check for the shortage amount or accept a rate increase. 
I have always sent in any needed escrow shortage and reject a payment increase. Wells Fargo is attempting to take away my option by forcing me to accept a payment increase. They have not sent me any escrow shortage notice. My principle and interest payment remain fix. Wells Fargo is now taking my monthly payments hostage and not applying it to the principle and interest and sending me late notices and threatening me with foreclosure.
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

I did a XXXX transaction. Then I cancelled the transaction. IWas told by XXXX that my transaction would be refunded to my account. It was never refunded. Next I started an investigation through Wells Fargo. I was temporarily refunde the money back into my account. Wells Fargo told me to send documentation of the XXXX transaction. I attempted to send the information. But, the email uWas given by the Wells Fargo rep was the wrong email address. Wellsfargo, then turned around and took the money out of my account. I called them to inform them about me receiving a wrong email address. I have since resent the info on many occasions. I never did receive my refund, so I set up a complaint with the XXXX. Wads promised to receive theRefund. But, all I have gotten from Wellsfargo has been Lies and disrespect. I just want myRefund,
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.