davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

PayPal makes duplicate charges on my method of payment card after online transactions. Paypal authorization hold remains on account despite transactions posted and cleared. Paypal is double dipping by withdrawing the transaction amount while simultaneously placing an indefinite authorization hold on my available funds essentially freexing my account and sitting on my money. This is all in concert with XXXX purchases and XXXX XXXX XXXX checking account and credit cards.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith p
ursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-10-04
Product: Payday loan — 
Issue: Can't contact lender — 
Company: SECURITY FINANCE CORP (ID)

I got a payday loan with Continetal loans in XXXX Idaho, I missed my first payment due to being let go from work unexpectedly, I tried working with their manager on the issue but she kept refusing less than my payment amount. She then started calling me three or four times a day leaving only one message. Now they have come to my house twice to try and collect the funds out of the office? I offered XXXX dollars and told her i would meet her at the office she said no i have to have at least one payment of XXXX. I couldnt afford this, there is two times she refused my payment. Third time i tried getting on a hardship program was told i could pay XXXX if i came down that day and signed paperwork i wouldnt be due till next month, i go down and get the paperwork all drawn up mind you she is out of the office im dealing with another employee, she says she needs a payment before they can approve my hardship program. They continue to call me and harrass me everyday threating to take me to court. This has been 4 months of XXXX. Now i have to fear these people bullying me at my home? is this even legal? I chose cant contact lender because its the manager i have been dealing with so i have noone to call to report her.
Consumer complaint received 2016-02-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview Loan Servicing a Debt Collector sent more than XXXX dunning letters and demands regarding an alleged debt that does not exist. Bayview is a debt collector that does not have prior consent to communicate with me. Bayview has also used several names and different account numbers regarding the same alleged illegal debt. Bayview must obtain verification from the original Creditor, 1692g ( a ), original loan level documents, additionally provide its own validation in compliance with the FDCPA. Verification must be sworn to under oath or affirmation as required. Bayview has been given ten days to comply. If failure to do so, Bayview 's alleged debt will be permanently barred and all expenses, costs, damages and fees will be billed.
Consumer complaint received 2016-05-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Summary : Unable to access my accounts online as of XXXX at XXXX, through XXXX app, mobile website, or desktop website. 

On XXXX, I made a total of XXXX phone calls to Wells Fargo, XXXX to customer service XXXX, and XXXX to XXXX, which is supposed to be the online banking department. 
responses ranged from the automated system hanging up on me, to a supervisor hanging up on me after asking the same question repeatedly, even though I answered the question multiple times. 

I was able to determine that my accounts are active, but I am not able to access my accounts online.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Experian has been requested multiple time for the past XXXX  months to remove the Address, XXXX XXXX and Address ID for XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX and XXXX XXXX XXXX XXXX XXXX MI XXXX as well as any accounts associated with those address. Experian has both ignored the requested and falsely stated theyve updated my address when they really have not made any change. Attached is the response where they claimed to have changed my address as well as my correct ID and this paper and digital copies of the address change they never actually made.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX XXXX # XXXX
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Status Claim XXXX in progress and therefore we need to submit a second claim regarding the same matter. 
We, XXXX XXXX XXXX and XXXX XXXX have followed up repeatedly with Wells Fargo regarding our case of an Escrow Account that they imposed on us and that we have had to repeatedly request deletion of throughout 2016 to date. XXXX and I, XXXX, take the initiative to contact both XXXX XXXX and XXXX XXXX, Executive Specialists of the Wells Fargo XXXX XXXX and XXXX XXXX. repeatedly about the case. Yesterday, XXXX XXXX, 2016, we tried to reach XXXX XXXX and XXXX XXXX. We often end up recounting our case to a backup contact in their group.We asked what the specifics they are seeking to conclude their research. The back-ups typically state that they will pass on a message to have either on call us back. We often take the lead to follow up on as we do not hear from them within the promised 24 hours stated on their phone system. 
***********Therefore their RESPONSE in claim XXXX is not truthful : Response : We 've been unable to establish contact with our customer, XXXX XXXX XXXX however, we did speak briefly to the co-borrower XXXX XXXX . We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. XXXX There were one or two occasions that we did not return calls on the same day. There are multiple times that we repeatedly needed to attempts calls to finally get them in person. have followed up repeatedly with this team and have support documents, their letters to us since XXXX XXXX and this does not include their conversations stating that they will close and delete the escrow that occurred XX/XX/XXXX and XX/XX/XXXX! The amounts showing on the Escrow Account, they assigned are payments that they have pushed to the XXXX XXXX County Tax Collector for Property Taxes that we have already paid! Also, they have pushed payments for our home insurance to XXXX XXXX causing confusion as we have already paid those. XXXX took steps to follow up with both XXXX and XXXX XXXX who returned payments to Wells Fargo so that the Escrow account showed a XXXX balance. They keep saying they are working on a deletion. Quiet the contrary, we got an Escrow statement in the mail on XXXX XXXX and they have repeated their pushed payments for property tax and home insurance once again! Due to this situation, we have provided them with XXXX cashiers checks for our agreed on mortgage of {$2600.00} and monthly XXXX has paid them at a local Wells Fargo branch. On their Escrow statement they show that this amount is " on hold ''.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

I received an invitation to participate in a streamlined XXXX refinance through Wells Fargo Bank in their XXXX Step Refinance Program dated XXXX XXXX, 2016. I contacted the representative, XXXX XXXX and spoke to him about the details of the program. I gave XXXX all of the necessary information in order to start the refinance and spoke to the mortgage processor, XXXX XXXX the following day, XXXX XXXX, 2016. She emailed me the borrowers authorization on that day and my wife and I signed it on Thursday, XXXX XXXX and I scanned and emailed it back to her on Friday, XXXX XXXX, 2016. XXXX had promised to contact me at least once per week by cell phopne or email and keep me in the loop about loan progress. She never called me even once and kept us in the dark about the loan process. She never acknowledged receipt of the signed borrowers authorization or any other documents that I sent her, even though I emailed her several times and called and left messages several times. I finally complained to the loan officer, XXXX XXXX and he promised to fix the issues and get XXXX to communicate with us. That didn`t occur and I continued to call her until I got her on the phone. She never informed me that she didn`t receive the borrowers authorization and only spoke about proof of address. 
XXXX XXXX attempted to resolve the issues but informed me that XXXX XXXX did not respond to him either, but finally on XXXX XXXX was able to contact XXXX and determine that the borrowers authorization was missing and again my XXXX XXXX invoice proving occupancy was needed. I immediately emailed him the signed and dated borrowers authorization and XXXX XXXX invoice clearly proving that we live at the residence to be refinanced. After further complaints to XXXX XXXX and urging him to move this loan process along, XXXX XXXX contacted me by phone this afternoon and asked the same questions that had previously been answered to XXXX XXXX, the loan officer last week. 
I asked her about the XXXX and when we could expect them to be completed and about whether or not the loan would close in late XXXX. XXXX stated that since she hadn`t received the borrowers authorization until last Friday, she doubted that the loan would close in XXXX. She has completely failed to do her job ; never followed-up with me ; never replied to my emails and never acknowledged receipt of various documents that I have sent her by email. She had demonstrated her total lack of competency, her indifference and her inability to process our loan appropriately. I am confident that this is not the XXXX or last client that has been negatively affected by her lack of care and competency and blame Wells Fargo Bank for lack of supervision, lack of proper training and unwillingness to terminate ineffective and poor employees who harm their clients and customers.
Consumer complaint received 2023-11-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

I looked at my credit report and saw an unpaid balance of {$1600.00}. I havent had a XXXX account since XXXX or XXXX. This account was opened by someone other than me. I disputed the transaction with the company on my credit report and they said the debt is valid. I did not open this account. At the current time this account was opened, I was with cricket mobile for my personal number and boost mobile for my business number.
Consumer complaint received 2015-05-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: PLS GROUP, INC (CA)

I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : PLS, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
Consumer complaint received 2023-11-11
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. (MI)

On XX/XX/XXXX - XX/XX/XXXX XXXX remove XXXX XXXX charge off from my account. Account number # XXXX. Trans Union and XXXX XXXX are continuing to report the above Account. According to the Fair Credit Reporting Act the three Bureaus must report accurate information. Trans Union and XXXX are in violation of 15USC1681b. This accountwas removed from XXXX as of XX/XX/XXXX - XX/XX/XXXX, it was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my credit report being accurate and verifiable. Trans Union and XXXX fail to remove the Information even thought they have fail to verify the account and notify in 5 days as reported from the FCRA. I am confused why Trans Union and XXXX are still reporting this accountand they have access to the same Information that XXXX do? Please provide me proof that this account has been properly verified or remove immediately from credit report. Please provide me with the name of the person that verified the account, when it was verified and what tactics was used to verify the account.
Consumer complaint received 2016-04-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

A manual payment of was made ( on the due date XXXX/XXXX/XXXX ) to my Wells Fargo personal secured credit card because I had cancelled automatic payments. An automatic payment was still initiated on the same date - after my manual payment. Wells Fargo 's automatic payment non-cancellation mistake caused imbalances to my checking account resulting in additional charges to my other bank accounts and by creditors. 

When Wells Fargo was contacted about the mistake, they had no record of my automatic payment cancellation. When I cancelled, the phone representative did n't provide any sort of confirmation number ( which should be procedural ). Though if considered, my manual payment would confirm my understanding of the cancellation. 

Following many unsuccessful contacts by phone, call transfers and repetitive explanations to resolve the issues, I was forced to visit my local branch office in person on XXXX/XXXX/XXXX. Following another lengthy situation review with the branch representative, she made several calls explaining my difficulties then, put me on the phone again. The manager on the phone gave me a verbal promise that the correction would be made by Monday XXXX/XXXX/XXXX. Unexpectedly on XXXX/XXXX/XXXX, Wells Fargo closed all of my bank accounts ( including my personal accounts ), because XXXX of my business bank accounts had XXXX returned checks from customers. 

The secure credit card balance was below the secured deposit amount and should have been reconciled on the date the account was closed, rather than waiting to XXXX XXXX and the accruing of additional minimum payment charges growing from {$25.00} in XXXX to {$210.00} in XXXX XXXX. Upon Wells Fargo 's closure of all of our accounts, they held full control of our funds. 

From XXXX/XXXX/XXXX forward Wells Fargo has benefited, there has been little inclination for Wells Fargo to consider their customer 's experience nor their internal errors which caused a harmful chain of events. 

Wells Fargo has not corrected their procedures to provide a confirmation of automatic payment cancellation- for what may be disturbing reasons. 
These actions clearly point to systemic policies for generating more fees and profits. This ruthless and machine-like approach has nothing to do with true customer service nor with cultivating mutually beneficial, long term relations.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (NC)

We secured XXXX student loans from Wells Fargo for our daughter for college school years XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. After graduation she attended law school so the loans were deferred for three years. During this time I received no information from Wells Fargo. In XX/XX/XXXX we were informed that the loan repayment was late. However we never received any information prior to the due date that we needed to pay. We did receive written correspondence after it was due. We paid the loan off {$19000.00}. It was late due to our bank holding some of the funds due to the amount. They then sent a bill for {$210.00} which we begrudgingly paid. We then received a bill for the second loan in XX/XX/XXXX with a due date XX/XX/XXXX. I mailed the check off on XX/XX/XXXX. However we received a notice on XX/XX/XXXX, that that payment was late and we now owed {$420.00}. It was not late they deposited the check on XX/XX/XXXX. My husband called them to find out what was going on and why we still owed them. She told him we were late and they needed payment. She advised him that if he sent in a check that we would then owe interest on the loan until the check was received. My husband asked so the interest never ends and the notice we received is always after the fact. She said we could never pay the interest off at that rate. We had to do an electronic transfer right then or be charged more interest. The finally told him the emails were sent to our daughter about the loans but NEVER to us. I told my daughter about this and she looked into her Wells Fargo account and it took her over an hour and digging into the XXXX to find a notice. They do n't want to notify you so that you can keep paying.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear Sir or Madam, I am filing a complaint about Coinbase. 

I withdrew XXXX EUR ( in words : XXXX XXXX XXXX XXXX XXXX euros ) from Coinbase to my verified XXXX XXXX account on XX/XX/XXXX. 

The website of Coinbase promised a transfer until XX/XX/XXXX. 

Until today ( XX/XX/XXXX ) I have not yet received the promised funds. I have formulated multiple support tickets and also called the customer service desk, were I have not received an update on my transfer status. The customer service always confirmed that the status is " pending '' and that the funds should have arrived long ago, but could not tell me when they will finally arrive. 

The reference code within Coinbase is XXXX. My bank account was verified, as I was able to send EUR to Coinbase with the same bank account. I have earned the money myself and do not have any criminal records ( in specific I have no record of any violation against anti money laundry regulations ). 

If you could help me to receive my desperately needed funds, I would greatly appreciate that. Thank you very much. Since I do not hear back from Coinbase, you are my last hope to receive the funds. 

Best regards