davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NC)

I received a letter from Wells Fargo stating that they had issued me a cashiers check many years back and it had not been cashed. The amount was {$52.00}. The letter clearly stated I should take the letter to the local branch to claim the funds. I did. The XXXX local branch ( XXXX XXXX in XXXX NC ) told me there was nothing they could do for me and I should contact Wells Fargo corporate office. I didnt like this as I would lose track of the transaction and it is timely. I have until XX/XX/19 or the funds will be forfeited to the state. I went to a second branch and they again didnt want to honor the letter but they reluctantly agreed to make an appointment the following day. This occurred on XX/XX/XXXX. I reluctantly agreed to the appointment as my costs had already exceeded the value of the debt. I showed up at the appropriate time and they were not happy to see me. They did NOT want to do this. I waited in their office while their banker made a lot of phone calls. After XXXX minutes the banker presented me with a document to cancel the original check. I questioned the document and asked that am I forced to sign the document in order to get my {$50.00}. The banker took offense at this and stormed off taking the form. I left after telling the office manager that I felt that I was being put off in an effort to avoid paying the {$50.00}. The second branch was the XXXX NC on XXXX XXXX.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I filed a lawsuit against Nationstar Mortgage , LLC, hereinafter referred to as Nationstar, my servicer, and my original lender for various causes of action. I have been fighting them for at least the past three years but more so this past year. My fight has gone on deaths ' ears with the California Judges and they keep dismissing my case for reasons they go against the actual laws, more specifically California Homeowners Bill of Rights. Presently, I have a Motion for Reconsideration that is scheduled for XXXX XXXX, 2015. The new facts that I have presented in my Motion for Reconsideration involves a Notice of Rescission. On XXXX XXXX, 2015, I sent a Notice of XXXX to Nationstar. They received the Notice of Rescission on XXXX XXXX, 2015. Under the Federal Truth In Lending Act, my debt obligation, the promissory note and the deed of trust were canceled immediately, by operation of law. Under the statute, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Also under the Act, Nationstar had 20 days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Nationstar is now in violation of the law, and they are blatantly disregarding my loan rescission rights. I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Thursday, XXXX XXXX, 2015 and that they forward me a release and a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Nationstar continues to ignore the law and that they are in violation of a Federal Act. Their actions are unacceptable. I request the CFPB take some kind of disciplinary action against Nationstar for their blatant disregard for the law. I am hoping with your interaction, Nationstar will choose to abide by the Act and take the necessary steps that is required of them by law.
Consumer complaint received 2023-12-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: Bread Financial Holdings, Inc. (NJ)

Bread Financial ( BF or the institution ) has not provided any evidence of compliance, or demonstrated of key controls and a compliance framework established to comply with all applicable laws and regulations. Furthermore, the institution did NOT comply with the applicable laws and regulations when opening CD deposit accounts in my name in XX/XX/XXXX. As evidence, unlike multiple other digital banks Ive dealt with, the institution did neither email new customers of the key terms and conditions nor provide an agreement with the details of the deposit contract at the inception of the CD deposit. Having information somewhere on the institutions generic and broad website is not in line with the spirit of the laws and regulations, and the institution can not claim that it complied with the applicable laws and regulations. Period. Once again, in accordance with Rule 12 CFR 1030.4, the institution is required to provide initial disclosures before an account is opened or a service provided, whichever is earlier. BFs response received on XX/XX/XXXX to my complaint is simply unfactual and a wrongful response, merely claiming compliance with no evidence. Furthermore, a so-called review of potential security concerns and/or irregular activity has nothing to do with the customers actions or activity. The suspension has been imposed almost XXXX weeks since the institution intentionally fabricated a story to restrict or discourage customer complaints. 
In conclusion, in addition to the non-compliance issue, this institution apparently has an integrity issue. The institution 's integrity issue has been clearly revealed through sneaky non-compliance at account opening, unfactual responses with false information on officially raised CFPB customer complaints, fearlessly perpetuating lies, and suddenly bringing up a security issue for this particular individual account without reason for weeks. 
In addition to my initial complaints about the non-compliance issue, I am encountering more issues with this institution and will have to report to more regulators, eventually seeking resolution through the court if not resolved via filing issues with regulators.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The accounts XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I'm victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

In XX/XX/2022 Wells Fargo Home Mortgage admitted that it had incorrectly miscalculated fees and other charges related to my mortgage foreclosure process of {$1000.00}. See Wells Fargo XX/XX/2022 letter attached. 

In XX/XX/2022 Wells Fargo Home Mortgage admitted that it overcharged me {$3300.00} in expenses when it evaluated my mortgage loan modification application. These errors resulted in an overstatement of the attorneys fees in the calculation, which caused my qualified borrower application not to be offered a loan modification. See attached Wells Fargo Letter. 

Wells Fargo Home Mortgage has not fixed my issues and continues to fail to offer me a borrower loan modifications and adequate remediation to my mortgage account which experienced incorrect loss-mitigation outcomes, including wrongful foreclosure.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-22
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. (PA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (VA)

I am writing to formally dispute several unauthorized transactions that appeared on my XXXX credit card statement. I am deeply concerned about the lack of adherence to the XXXX XXXX Liability policy by XXXX, the card issuer, and I request your assistance in resolving this matter promptly. 

I have identified the unauthorized transactions as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount  : - {$0.00} Additionally, there is an unauthorized charge on my account from XXXX for an amount of {$120.00}. 

I want to emphasize that I did not authorize any of these transactions, and I promptly reported them to XXXXXXXX XXXX customer service. However, XXXX has failed to take appropriate action in accordance with the XXXX XXXX XXXX policy. I have attached copies of my credit card statements highlighting these unauthorized transactions, as well as the correspondence with XXXX customer service for your reference. 

As per the XXXX XXXX XXXX policy, cardholders are protected from any unauthorized transactions made on their XXXX cards. It is the responsibility of the card issuer to ensure that such charges are properly investigated and resolved in a timely manner. I kindly request that the XXXX Chargeback Department intervene in this dispute and help rectify this situation promptly. The total amount of unauthorized charges is {$200.00}. 

company told me to file a dispute which I have but they will not honor their zero liability policy and when you ask them about the policy they hang up the phone on you.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Financial Corp (TX)

We closed on a home on XXXX XXXX the original loan went to SECURITY NATIONAL MORTGAge which had the first payment due XXXX XXXX XXXX. The loan was sold to XXXX before XXXX XXXX. I called Security National 2x to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the security national mortgage. I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at security national mortgage to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX  explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called national security to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.
Consumer complaint received 2024-03-22
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (RI)

When I received a nearly 10k stipend for serving two years in XXXX, I thought my lump sum payment would have paid my XXXX loan in half. That was in XX/XX/XXXX. Would you believe I still have XXXX to pay on that loan in XX/XX/XXXX? 

How could this be? I was told by navient that after paying the lump sum I did n't have to pay for a few years. I assumed this meant that they were using my government stipend to pay both principal and interest. But not so. In essence they put my loan on a deferment like status ... What they call 'advancing the payment date 's so that during the time I was told I did n't have to pay, interest was accruing. 

A few years later when I started paying again, I owed a lot of interest. What I did n't realize was that all my payments were going to that accrued interest and for years my pricipal was getting hit with more interest as I slowly paid down the accrued interest only. Again, I did n't realize all this until it was too late. 

At the end of the day, through confusing practices, they swindled a young college graduate out of her hard earned government stipend. 

In the end, I am fiancially stable ... But it does n't make it any better. And for thousands of others like me that are still struggling we must take action against navient a d other loan servicing companies like it.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Chase Bank keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Consumer complaint received 2023-07-14
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: Resurgent Capital Services L.P. (IL)

I see on my credit report a derogatory entry that doesn't belong to Me, nor am I responsible for, nor have I received any money or goods from the creation of this unknown account. The date the account was opened was XX/XX/2020 and the fraudulent amount that I am not responsible for is {$740.00}. I haven't talked to the company however I have filed a police report and a identity theft report.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened a Citibank checking account and kept the required amount in the account to not be charged a fee. After about a month I decided I no longer wanted to keep the account but Citi makes it difficult to transfer money to other banks, so I tried to XXXX the funds to myself and Citi blocked my account. I tried calling in about it after receiving a letter telling me to do so and they closed my account without my consent or their willingness to verify that it was me who transferred the funds. Now they are holding my funds from the account and will not return it even though I asked for it to be expedited since they have no need to hold onto it.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (CA)

Merchant : XXXX ( XXXX ) XXXX Representative XXXX XX/XX/2023 XXXX about ally/Ollo credit card transaction Cancel Confirmation XXXX XXXX Cancel Confirmation XXXX XXXX I called the merchant to asking them to cancel this transaction as they were fraudulent which they agreed and proceeded to cancel and provided me with the above confirmation numbers. 

XX/XX/2023 was the date the transactions happened XXXX XXXX : Ally Card Alerts Card XXXX Did you purchase XXXX {$39.00} XXXX XXXX XXXX  ; XXXX {$12.00} XXXX  ; Reply Y or N Reply HELP for help ; STOP to Cancel and I called ollo / now ally bank to notify them of this issue. They just made it even worse. After waiting for 1hr on the phone proceeded to have a very unpleasant conversation with one of their finestdisputes department who went ahead and said they can not guarantee a refund at any point of the 90day investigation. A very concerning issues considering the credit cards are federally insured. To make it even worse the merchant confirms that they refunded the funds. Shockingly now I have 2 charges of XXXX and XXXX on my card. It this point Im even more confused.