davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Dear Consumer Financial Protection Bureau, I am writing to express my deep dissatisfaction with the services provided by Wells Fargo, particularly with regard to the handling of my recent international wire transfer. 

On XX/XX/XXXX, I initiated a transfer of {$25000.00} from my Wells Fargo account to my XXXX XXXX account. However, the transaction failed, and I later discovered that my account had been blocked due to suspected fraud. Despite my repeated attempts to have the block removed, including contacting the Fraud Department and speaking with various representatives of the bank, no satisfactory solution has been offered.

I have been informed that I need a branch access code to regain access to online banking, but as I am currently located in XXXX and unable to travel to the U.S. this year, this option is not available to me. Despite my efforts to find an alternative way to verify my identity and unblock my account, the bank has failed to provide a solution.

Moreover, after filing a complaint through a branch manager and receiving a response from the XXXX  Complaints Management Office on XX/XX/XXXX, I was disappointed to find that they simply restated the problem without offering any practical solution. Case number : XXXX As a result of this ongoing issue, I am experiencing financial loss and inconvenience. I have no access to my account at all and I rely on it to pay bills. 

Thank you for your attention to this matter.
Consumer complaint received 2016-04-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (CT)

MONEY WAS DEBITED FROM MY DIRECT EXPRESS DEBIT CARD WITHOUT MY CONSENT!! THIS HAS BEEN HAPPENING WAY TO MANY TIMES!! MY SOCIAL SECURITY XXXX INSURANCE BENEFITS ARE PLACED ON MY DIRECT EXPRESS DEBIT CARD EVERY FIRST WEEK OF EVERY MONTH. WHAT 'S BEEN HAPPENING IS I HAVE BEEN FINDING OUT THAT THERE HAVE BEEN DEBITS OF MONEY TRANSACTIONS MADE WITHOUT MY CONSENT!!! AND THIS HAS CONTINUED AND CONTINUED EVEN AFTER DIRECT EXPRESS WOULD ISSUE ME A BRAND NEW DEBIT CARD ALONG WITH THE CFPB BEING WELL AWARE OF THIS BECAUSE I 'VE SUBMITTED SIMILAR COMPLAINTS REGARDING THIS SAME ISSUE YET IT CONTINUES TO OCCUR. I WANT THIS TO STOP NOW AND I WANT ALL MY MONEY RETURNED TO ME AND ON MY NEW DIRECT EXPRESS DEBIT CARD IMMEDIATELY!!!
Consumer complaint received 2016-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

I use the Navient online portal to manage my account. All billing is sent to me via email. 
I recently received an email from Navient regarding my account that had been sent to a relative, who 's contact information has never been a part of my loan process. I was confused because I had received no communication myself. The Navient Customer Service Dept. informed me that I had logged into the site and changed the email myself on XXXX/XXXX/16. I tried to explain to Navient that there was not a chance I had changed this information they let me know they had corrected my email and moving forward information would be sent to my proper address. At this point a process was triggered that sent an email to both the corrected email address as well as the incorrect email address, this process did not take place on XXXX/XXXX/16 when my account was incorrectly adjsuted. I am concerned because I did not change the address and my information had been shared with an unauthorized individual. Navient did not address my security concerns with how the email address was changed. The relative who received my email regarding my account had previously held an account with Navient and has a letter stating her account had been paid off dated XXXX/XXXX/16. I do not know if this was a data entry error or if my account has been hacked and my credit card info. and SSN have been compromised. Navient has not provided any information on how this was changed other than accusing me of the change. I am concerned Navient made the change, in error or to gain my attention for payment.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I have filed disputes against a debt on my XXXX credit report. I have spoken to the original creditor, and I have spoken to the debt collector. Both have stated that they do not have me in their records. Both have verified that my name and social does not match, and that it is a mistake. Neither are willing to provide a letter reflecting that. Both assure me that filing a dispute with XXXX would fix the problem, but I have done this twice and no deletion. XXXX has told me that upon investigation, The collections agancy, has replied that the debt is indeed mine. I have never lived in that apartment complex. The collections agency, Procollect, has given me the run around completely. They give me extension numbers, and email addresses that dont exist. They asked me to call them back with proof that they were reporting onto my XXXX account. I hung up the phone logged into XXXX, and called them back. They stated that no one by the name I was given works at that office. It literally took less that 10 minutes. Other times I have called and they connot fine the file in question. My bank has a debt resolution company that was assigned to my case. Except Procollect doesnt accept calls from 3rd parties. In dealing with Procollect, I have been yelled at, called a liar, and hung up on. I would hate to see how people who actually have a debt are treated.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (OH)

I was enlisted in the XXXX in XXXX, someone put my name on an apartment lease in XXXX. The original creditor shows no rental history for me, I sent that verification along with the verification that I was XXXX at the time this " lease '' that nobody has a record of was initiated. Yet the collector still will not remove it from my credit and this is keeping me from renting an apartment.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ProCollect, Inc. (FL)

Apartment Complex termination of lease. I had to move out due to a job offer in a different state. I have a signed Lease Contract Addendum stating that I will not get charge early termination fees or other fees and that I agree to pay {$2100.00} at a set payment. However, the apartment complex charged me early termination fees and other fees that apply and now I have a bill for {$6600.00} dollars which was sent to a collection agency back in 2009. I 've been trying to get the collection company to call me so they can correct the amount trying to be collected, I have called the apartment complex and they said they no longer work with that collection company and that the manager that was working there at the time is no longer there. They pulled the account and they said I was getting charged fees for early termination and others, however it is no longer their account and I need to deal with the collection company. They are hurting my credit report and I can not buy a house because I can not settle the account with the proper amount and start payments. 

They are reporting {$6600.00} Correct amount {$2100.00} I have a document stating that with signatures.
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (NY)

i recently recieve my free annual report from the credit bureu, and didnt recieve any notice from the original collector that. sold my debt to another new collection agency.and the new collection agency never notify me about reageing/restarted a old debt.that i thought will be remove from my credit in XX/XX/2016.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

I have XXXX private student loans with Navient ( Formerly XXXX XXXX ). I 'm just a month behind with my payments, however they have continuously called me daily. Normally, it 's 1 or 2 calls a day which I understand. Today ( XXXX/XXXX/15 ), I have been called 5 times from ( XXXX ) XXXX. This constitutes harassment by a collector. The call times are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX i added XXXX dollars from my bank to my coinbase account. The account already has a balance of XXXX dollars that had already been in the account and confirmed. The only outstanding and pending transaction is the XXXX dollars. Their system indicated thatni have XXXX available for withdrawal trades and send. But i can not access my funds as coin base put a hold on the entire accounts until XXXX dollars is cleared. 

Spoke with multiple agents from coinbase and the answer is the same. If that XXXX dollars isnt clear i wont be able to access any lf my already confirmed XXXX dollars affectively holding it with zero interest for two weeks. The representative indicated that is the case. Even if the added money is XXXX dollar they still hold all available balances before it clears. 

If they do this to all their customers, they wouldve have billions or millions dollars loans for XXXX weeks without paying any fees or interest... they would gained millions by doing just this alone. Normally other platform will also hold funds until it clears. But the amount is the same as the pending. For example in my case they would hold XXXX off of my balance but i can use the rest as it is my own money. 

Coinbase account is the same as my email provided. I can provide screen shots and their calls are recorded. It appears either they are delaying or stealing funds for their own gains as it does not make any logical sense. 2 weeks of billions at zero interest means 50 millions at 5 % interest that they gained unjustly from doing this to their customers. 


XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

When I started receiving notification on recertifying my income contingent plan, in XX/XX/XXXX, I went to the financial aid page and completed the application and submitted it. Apparently Navient disapproved the application because I " submitted it too soon ''. I do not recall receiving an email on it, so I assumed I was all set to continue my plan. In XX/XX/XXXX, I checked my account and noticed my payment was going to increase by {$200.00} a month. I checked my messages on my Navient page and found a letter regarding my application. I reapplied, just making the deadline, and thankfully am approved now to continue. This would have caused an extreme hardship had I not been dilligent at checking my auto pay amount twice every month.
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (RI)

This is the email I sent to Sallie Mae complaining about their unfair practice : To : XXXX Good afternoon. 
Your agency took all of our tax return, a total sum of {$2000.00}, to cover for what you claim I owe in student loans ; which I have fought through letters and proving I was not liable for this payment. I truly disregard this dirty practice and request the reimbursement of my wife 's and I tax return. I do not appreciate your negligence and unfair practice to collect money I do not owe to your agency. 

I appreciate your attention to this matter. 

XXXX Trace Num : XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

I had a forbearance for years due to not working and being a single mom and they put me in collection because I ran out of times for forbearance. Then I got a job and they told me I had to pay XXXX a month and I told them there was no way I could afford that. They told me there was no way to lower that amount that 's all they could offer me. So again I did n't pay so I was affected with my credit then I finally kept calling and researching trying to pay something and they said I might qualify for a lower payment but they are n't sure so I had to fill out all this paperwork to see if I could get my payment down to XXXX dollars a month which is where I am now except it 's only good for six months then it will go back to XXXX a month which I ca n't afford to pay so I will be back to square XXXX. My loans were {$9000.00} when I graduated in 1999 now they are XXXX. Everytime I pay my payments every month which I have been on time every month it does n't even make a dent in the balance. This is for business school at XXXX college where I graduated
Consumer complaint received 2015-07-14
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (AZ)

Pioneer Credit Recovery has contacted several of my co-workers, including my supervisor asking questions about me, and they have contacted these people more than one time on their cell phones. I contacted XXXX XXXX at Pioneer and demanded that they stop harassing these people, but they continue to do so at the peril of me losing my job because of it.
Consumer complaint received 2023-03-22
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. (GA)

XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (GA)

I have spent unnecessary money for months sending numerous certified letters to Equifax. I've notified them and the furnisher 's in refences to the inaccurate information being reported on my Equifax consumer report. They sent back letters stating they investigated and verified the following accounts. Equifax actually failed to conduct a reasonable reinvestigation and continue to report inaccurate information even after providing proof of the inaccuracies. Equifax lack fairness, impartiality, and it is shows in their reporting practices. If proper investigations were conducted, then these numerous factual errors would not remain on the following accounts : XXXXXXXX XXXX XXXX XXXXXXXX : Account Number XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX I've asked for them to update the accounts to the properly report information multiple times to no avail. I've explained how I feel deprived of my rights to have a complete and accurate report. These accounts are hindering me from adequately providing for my family. I've attached a copy of some of the errors that are still reporting. Now I'm asking for them to completely remove these accounts
Consumer complaint received 2016-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DC)

Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

Navies tried to collect on payment while u was attending school. Once they got proof of me being in school they moved forward with a deferment, however they did n't retro the deferment leaving late payments on my credit.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (CA)

Your firm is in violation of the federal authority on health information privacy arises from the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), Standards for Privacy of Individually Identifiable Health Information ( 45 CFR Parts 160 and 164 ). California has several laws on health information privacy, including the Confidentiality of Medical Records Act ( Civil Code 56 et seq. ), the Patient Access to Health Records Act ( Health & Safety Code 123110 et seq. ), the Insurance Information and Privacy Protection Act ( Insurance Code 791 et seq. ), and the Information Practices Act ( Civil Code 1798 et seq. ). Citations for specific rights enumerated in this document are provided below. All the referenced laws may be found on the Privacy Laws page of the California Department of Justice 's Web site. Please provide copies of your security policies, testing and audits that prove your data privacy is compliant from a XXXX party.
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. (TX)

Unauthorized inquiries showed up on my credit report today, and I have no explanation for why. These discrepancies werent there before, and refreshing my browser didnt resolve the issue. The fact that this persists is beyond frustrating, and I urgently request a detailed review of the documents Ive sent to ensure I never have to deal with this kind of problem again.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, TransUnion has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXXXXXX XXXX XXXXXXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. Discrepancies and Errors Across Bureaus TransUnion Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX  Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX Payment Errors : Has no late payments reported. Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. Sincerely, XXXX XXXX XXXX