davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NC)

I am now financing a second vehicle through Wells Fargo. For the entire life of my previous loan, I would have to call them every month to correct them as to how the payments should be applied. My payment was about {$270.00} per month and I would send in {$500.00} to pay down the principal and save me some interest over the life of the loan. Month after month, they were applying the additional funds to future payments. I know this because, XXXX. ) the statement for the following month would show I only owed about {$25.00} instead of the regular {$270.00}, and XXXX. ) they told me this is how they processed payments. 

I referred them to their own paperwork which says that payments are ( in so many words ) applied first to interest, then any fees, penalties or late charges and the remaining amount to principal. Even after reminding them of their own wording and my XXXX years in the mortgage lending industry, they continue telling me that " these are their rules ''. They try telling me that once the future payments add up to XXXX months of advance payments, THEN they will apply any overage to the principal. 

If they do this to every customer that pays extra in hopes that they are saving interest, they are likely costing the public millions of dollars a year in undue interest.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

my XXXX  stole my debit card and phone while i was XXXX  from XX/XX/year> to XX/XX/XXXX XXXX he stole over {$3000.00} from my checking account and after overdraft fees it totaled over {$4000.00}. I provided police reports including his charges. bank denied my claim and closed my account leaving me completely broke.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (IL)

In XX/XX/ I was reviewing my credit reports and found out there is a Bread Cashback American Express Credit Card ending in XXXX. This account has been opened fraudulently by someone else than myself. I have no knowledge of this account and have not authorized Comenity to open the account or check my credit. Despite efforts to contact Comenity, I have been unable to remove the account from my credit reports.
Consumer complaint received 2024-01-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (NY)

Me and my wife ask Wells Fargo to investigate about fraud and discrimination, bias and prejudice. Been done to us by Well fargos bank employees. Every time my wife gift them the information not need to be investigated over the phone he switched up awards and do not put all the information and questions need to be addressed so me and my wife decided to put it in writing and send it to Well fargo buy priority, mail signature required they get it and said pages are missing. So we had to fax the pages that they lie and said its missing. The reason we withdraw case number XXXX is because every time we sent updated information to add to the case XXXX XXXX keeps on opening new cases we only have one case. She said to my wife XXXX every time I sent additional information for the case she have to open a new case she is the fifth person I am speaking about the case and everyone is Twisting our words over the phone and putting what they want. This new case have all the information and questions Wells Fargo need to answer.
Consumer complaint received 2024-01-29
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: U.S. BANCORP (KS)

First off, this company 's dispute office is incompetent, and gives zero effort towards their cardholders, or their job in general. 

XX/XX/XXXX ordered a {$100.00} hoodie from a website ( XXXX XXXX XXXX ) I saw on a XXXX ad... yep, that's my bad. They advertised fast and free shipping. 

XX/XX/XXXX - XX/XX/XXXX Never received order update saying it was shipped, never received tracking number. Tried 4 different times to contact XXXX XXXX, the only way to contact them is through email, so I did that. Only ever received the same automated generic response that was completely unhelpful. 

XX/XX/XXXX Tried to dispute charge online, couldn't, had to call them and be put on hold at work. Finally got ahold of u.s. bank person to dispute, gave him in depth detail of product, order #, how I never received an item, and that after many attempts, I couldn't get ahold of the merchant, other than an automated email. 

XX/XX/XXXX I got a letter from u.s. bank that included a generic email from the merchant, it didn't say anything about them having issues and apologizing, it didn't include a tracking number, proof they shipped anything, or proof that they canceled the order, it just had my info on it, and the same description of the hoody I first gave to u.s. bank. Got online and I noticed u.s. bank credit card charged me back the full charge of the hoody, I called them asking how, they said I'd have to wait until their dispute investigation office gets ahold of me, meanwhile I reiterated my story to them. I even added how that company just recently went in and changed the order to show canceled 2 months ago. 

XX/XX/XXXX Investigation team finally calls me, rude lady says there's nothing they can do, she claims the merchants rebuttle, that had 0 proof of anything mind you, was good enough. When I told her how silly that was, she changed her story to blame me. She claimed that I needed to have written them a letter that said what I was trying to purchase, apparently the first person who took my dispute only put in hoody, which she claims it needed to be more descriptive. 

They dropped the ball, I lose {$100.00}, U.S. Bank loses a customer, and the scam merchant XXXX XXXX XXXX profits.
Consumer complaint received 2024-01-29
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: MPOWER Financing, Public Benefit Corporation (FL)

On XX/XX/2023, Mpower Financing placed a hard inquiry on my XXXX report that led to a drop in my credit score, negatively impacting my overall credit health. I filed an ID theft report with the FTC and formally wrote to Mpower Financing requesting detailed and specific information about what led to the hard inquiry. Even though it received my letter, the company refused to provide the information that I requested. Instead, it sent random emails to me claiming the inquiries were made in error. My credit score has remained same since it dropped as a result of the inquiry, though it sent me an email saying it had removed the hard inquiries. I needed the specifics of what exactly happened to enable me take actionable steps to prevent the recurrence of such fraudulent activities on my credit report. However, Mpower 's deliberate refusal to provide the information, as required by law, is making it practically impossible for me to take further action to secure my financial health.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has not cleaned up its fake account scandal. Accounts were opened with deceptive business practices and then I was notified they would be charging me a {$35.00} fee. 
These accounts were opened during the fake account time frame. The accounts were never used and were not needed. Zero balance the entire time. Now I get a notice there will be a fee. 
I never needed or wanted this account but was lead to believe it was required. 

The bank says they addressed all of these sales practice problems, this have not.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MD)

To Whom It May Concern : Elan Financial Services closed my XXXX XXXX XXXX  card after receiving fraudulent information from a third party, without contacting me to confirm any of the provided information. 
I am in receipt of your correspondence dated XX/XX/2022, ref # XXXX. This correspondence is in response to my document dated XX/XX/2022, in regard to the closure of my XXXX XXXX XXXX XXXX XXXX Card account, ending in XXXX. I am hereby informing you that you have violated my consumer rights and under 15 US Code 1691E you are civilly liable. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Elan Financial Services/ Cardmember Services has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1681M ( b ) ( 1 ) 5. 15 U.S Code 1637 Enclosed you will find an invoice for the abovementioned violations, with instructions where to send payment. 
BEST, XXXX XXXX XXXX  Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (NM)

I am writing to you as I have had funds removed from my account without my permission or knowledge. I have met with the bank manager, XXXX XXXX, several times and he has not been able to assist in a productive manner. 

On XX/XX/2023, there was a debit to my account of {$100.00} to XXXX XXXX through XXXX XXXX. By the way this is my name? 

On XX/XX/2023, there was a debit to my account of {$200.00} to XXXX XXXX XXXX XXXX through XXXX XXXX 

I have never used XXXX XXXX. 

To use XXXX XXXX the person must move monies from their account into XXXX XXXX. 

This has never transpired from my account, as it would show up. 

Why would I pay myself {$100.00} from XXXX XXXX? It is not logical. I would go to the bank and withdraw. 

I do not know XXXX XXXX in XXXX XXXX. 

At this time, I filed with my local bank for theft. XXXX, the manager, filed this for me. 

I felt confident all would go well as this was theft from my account and I never used XXXX XXXX. 

As you look through my bank statements you will see I only use XXXX to transfer monies and it is to three people only, look at my statements. 

To my surprise your investigative team came back and said these withdrawals, thefts, from my account were valid. This is astounding ignorance as we all know thieves have programs they place on credit card machines, gas station pumps, they sit next to you and can scan your card.

I went to the bank again and asked the manager, XXXX, to intercede and get the proof from XXXX XXXX. He said he could not and that I needed to call customer service. 

I called customer service and there is absolutely no way to speak with a human person. Your bank demands approval to use my voice for identity before I speak with a customer service representative. 

Poor customer service, you should offer an option. 

I called your corporate office on XX/XX/2023 and left detailed information on the theft from my bank account. I was assured I would return a call back. Never happened. 

I work for XXXX XXXX in XXXX XXXX  and spoke with our IT Department on this issue with XXXX XXXX The Director of IT said it would be very easy to prove I never used the XXXX XXXX by accessing my phone system. 

As a result of your incompetent researchers, you are charging me the {$200.00} and insufficient charges. 

I am reaching out as I want this issue resolved and closed. 

The bank where I opened the account is BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the manager.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my XXXX 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 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 an alleged fraud or extortion. 
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
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (GA)

I received a letter via XXXX  stating that this was final notice and I would be sued if not paid. I have never received a letter concerning this debt and don't understand how this is final notice. 

I am requesting a debt validation from this collection and also the appropriate collection laws to be followed and not threatening letters in the mail.
Consumer complaint received 2018-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NV)

XXXX XXXX XXXX tranferred the servicing of this fraudulent loan, that I have been forced to pay them over the years. Ditech in addition of its knowledge that the mortgage lender was not XXXX XXXX XXXX, took the service of such fraudulent loan on XX/XX/XXXX with the intention to stole my property by conducting an evil plan with the aide of XXXX XXXX XXXX, XXXX by refusing payments. First they said, " we have to wait for all the documentation from XXXX XXXX XXXX it might take up to 60 days ''. Then they said on the 60 day " we still have not completed the transfer '', after the 60 days they said, '' we can not receive payments, you have to wait for a letter from us ''. We insisted that they could use the direct payment draft from our bank that XXXX, was using, but they insisted we have to wait for the letter. We made several calls to them the first one was in XX/XX/XXXX to XXXX who told us they have transferred the service to Ditech because they did not inform us. We called them right after and they replied what I wrote above, " we have not received the documents from XXXX you have to wait '', we called them several times each month. but they insisted to wait for their letter. but all of these was just part of their scheme because we discovered that Ditech Financial withdraw a payment on XX/XX/XXXX and then stopped the withdraw of the payments pretending they couldn't do it with the purpose to foreclose and stole our property. Then on XX/XX/XXXX they sent us a letter from XXXX XXXX stating, the full amount to reinstate the loan is {$6600.00} good to XX/XX/XXXX '' they also stated that some charges might not be used by that date. We paid them the entire amount requested before their due date. It was obvious they wanted to lead us to foreclosure to rob our property, because they knew XXXX and they did not own the mortgage because it was satisfied since XXXX. At that time we did not know of this fraud until three months ago. Ditech transferred the servicing to XXXX XXXX XXXX that also knew about this fraud on XX/XX/XXXX. We want an audit history that includes all the payment of principal, interests and fees. This crook had the audacity with the aide of its partner of crime XXXX XXXX XXXX to provide them when I asked for information from XXXX copies of fabricated monthly bills that they never sent, and fabricated letters stating, as if we asked them for a modification, and others as if we appealed their denial. which is a big lie. they again as XXXX and XXXX mentioned the name of a New York trust to be the owner of my alleged mortgage, which trust doesn't exist. The investors who are the ones that funded my loan based on my signature were fully paid.
Consumer complaint received 2024-01-29
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Gemini Direct LLC, dba Credit Innovation Group (WV)

I started paying for my rent to be reported to the credit reporting agencys and dispute some charges on my report back in XXXX of XXXX. Rent was never reported and as far as I can tell no disputes have not been filed. Talked to XXXX XXXX a few times. The last being on XXXX Asked for proof of work done got a email that would not download screen shot of supposed work done
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I lost my debit card prior to the fraudulent transaction taking place in my account. I told Chase this and they continued to falsely accuse me of a fraudulent transaction charge that I did not make. They continuously told me that I DID DO IT because it took place in XXXX, IL ( which is where I live ). And because it was made online. They told me because of these reasons it was me because based off of that it looked like I did it. I told them I wouldnt be arguing with them for 2 months now had I believed that I did commit the transaction, but I did not. This is the third time starting today ( XX/XX/2024 ) that the claim reversal was sent back. They told me they couldnt help me and to send them documentation stating otherwise. Whomever committed fraud on my account, there is very little information about the scammers whereabouts. I did have one Chase representative, a supervisor, tell me that my XXXX XXXX wallet and XXXX XXXX had been compromised, which my Chase Bank was connected to. She proceeded to read off an XXXX XXXX debit card that was on my apple way account that I did not put in there myself- mind you my card was missing. Afterwards, she disconnected my cash app and XXXX XXXX, sent me another brand new visa debit card and given me a credit to my account. She told me by policy they still had to investigate but that my credit was back into my account. Today. I have another claim reversal. Ive made numerous report including to the XXXX XXXX XXXX XXXX. I will go to court to resolve this if I have to. Chase in the past has missed fraudulent charges taking away from my account, so this isnt any different other than this case is more complex considering the advanced scamming technologies that are put today. After I my money back. I will no longer want to be apart of Chase. Shame on them. Ive been with them over & years and why now would I go through all of this trouble to get my money back. This is ridiculous and this whole process has made me very weary and exhausted. I will never recommend Chase to anyone. I made a police report, an FBI report, I have reported this to XXXX XXXX XXXX, XXXX  and the Consumer Financial Protection Bureau. I also have witnesses that I have shared this matter with over the course of which this has carried over. If I have to I will go to court. What scammer is willing to go through all this now, Chase? Im innocent.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

They sent you a letter ( 50 pages ) and it appears they are asking for the XXXX XXXX XXXX ( now provided ) In this letter a number of false statements were made to the CFPB 1 ) typo, wrong loan transfer - it was XXXX, not XXXX XXXX ) They say they provide a communication method, but they do not answer the phone, text, email, or registered letters, 3 ) They say there was a letter on XX/XX/year> - never recieved, 4 ) They never asked for the master HOA policy, Until the leter sent to CFPB they provided NO insurance contact. It is very obvious that Newrez wants to systematically take {$170.00} / month from me. In reading the consumer complaints, they are taking this from many many people. They have a poor record and would like the CFPB to believe they have communication and a reasonable service. The truth is they provide NO SERVICE because doing so would allow people to avoid problems they make money creating.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

On XX/XX/2024 the items below have been re-inserted into my credit file. XXXX XXXX XXXX You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This account was already removed weeks ago for inaccuracies
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CO)

I received a gift Visa debit card from US Bank National Association, it directs you to XXXX for account information then once you login, it tells you to call XXXX ( also on the back of card ) to choose a pin. However the phone number always immediately disconnects the call, resulting ultimately in not being able to use the {$50.00} at all. 

I am unable to ever connect/ get through to that phone number even after trying multiple times, different days. It instantly just hangs up on you. 

Is this a scam?