davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

A Bank of America SafeBalance Banking account was opened in my name without myself or my wife applying for the new account this evening, XX/XX/2023. I received an email to my gmail account on file with BOA stating an application was in process and then 1 minute later that the application was approved. This occurred at XXXX Pacific when no physical branch would have been open.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I received my tax return from the IRS and on XX/XX/XXXX i got an email saying that my account was suspended and to send my ID so they could verify my identity. I did that, then a day or 2 later I get and email saying, thank you for sending your ID but we have permanently XXXX your account and will hold the funds for 180 days! No reason, no explanation just said a user agreement violation. I have sent them pictures of my ID, me holding my ID and proof that the deposit id from my tax refund. I get another email XX/XX/XXXX saying not to reach back out they will not answer any further questions. I have no idea what I did besides send some money to my nieces on Venmo to their accounts. I just want my money released. This has put me in a very very bad living situation financially. That money is all that i have. I have attached the same documents I sent to Venmo when they banned me! Please help!
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OR)

( I will upload a PDF of this called " Breach of Contract '', in case this loses its formatting ) XXXX XXXX, XXXX of American Express is in violation of Breach of Contract with XXXX, XXXX to the principal XXXX XXXX for the following reason : XXXX, XXXX has accepted all titles, rights, interest, and equity owed to XXXX XXXX, and has provided both American Express Payments Processing Center and XXXX XXXX XXXX XXXX with a notarized Durable Power of Attorney to support the agents right to claim. 

XXXX, XXXX then instructed American Express Payments Processing Center to apply the principals balance to the principals account for each and every billing cycle for set-off. 

American Express Payments Center denied receiving tender of payment ; and later admitted to destroying tender of payment. XXXX, XXXX then informed XXXX XXXX , CFO about American Express Payments Processing Centers failure to perform, and instructed XXXX XXXXXXXX XXXX XXXX an additional two more times to apply the principals balance to the principals account.

XXXX XXXX has also instructed XXXX XXXX , XXXX  to respond in writing within 5 business days to either confirm instruction has been completed OR to provide the reason for not performing his fiduciary duties. 

XXXX XXXX, XXXX has neither performed his fiduciary duties nor provided an acceptable reason for non-performance. The principals account remains uncredited and has been inaccessible to both the principal and the agent for over 60 days. 

As per Federal Reserve Act Section 29 Civil Money Penalty, ( c ) XXXX XXXX XXXX XXXX, XXXX is liable to pay a daily penalty of up to 1 million dollars ( {>= $1,000,000} ) or 1 % of American Expresss assets ( whichever is less ) from the inception of violation because XXXX XXXX, XXXX has knowingly breached his fiduciary duties, and this pattern of misconduct has caused a substantial loss.
Consumer complaint received 2023-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My complaint is about my account was close without me knowing the reason for.I received a mail XXXX about my account closed because i violated the capital one customer agreement and most stop using my this account immediately.then they wrote that Im still responsible for paying any remaining balance and will continue get billing statements until balance reaches XXXX. I was paying my bill on time and trying to build my credit I needed this to resolve.
Consumer complaint received 2023-10-31
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. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following items : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-11-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I was provided a deadline of XX/XX/XXXX to contact Navient to re-setup payment arrangements for XXXX private loans that was in default in order to avoid being sent to collections. 

On the morning of XX/XX/XXXX, I called Navient, and was connected to my account XXXX, XXXX. I explained to her that I am prepared to set up a payment arrangement of {$200.00} per month and informed her the first payment may be taken out of my account same day, XX/XX/XXXX. The remaining payments for each month may be taken out auto debit on the XXXX of each month. 

She informed me this is fine and that the payments will be set up for XXXX months and I must reach out in XX/XX/XXXX to update the payment arrangement. I agreed verbally. She read a contract for me to agree to, which I did say yes, I agree. 

On XX/XX/XXXX, I opened a letter received by mail from XXXX XXXX XXXX mentioning they are a debt collector for Navient Solutions LLC. My XXXX loans were transferred to them. 

This contradicts the agreement made on XX/XX/XXXX directly with Navient and the payment arrangement made by the deadline provided. 

While I spoke with XXXX, I told her by bank routing and account number to have the payment withdrawn from my XXXX account on XX/XX/XXXX, in the amount of {$200.00}. My XXXX account shows a Bill Pay Check in the amount of {$200.00} on XX/XX/XXXX. 

Prior, I was paying {$420.00} per month which haulted in XX/XX/XXXX due to financial hardship. 

I called Navient on XX/XX/XXXX to request to speak with an XXXX manager just before XXXX EST, and spoke with a gentleman explaining the situation and that I need to speak with a Navient representative and not to re-route me to XXXX XXXX XXXX XXXX The representative said he will transfer me over to the appropriate department. 

I have now been on hold for 40 minutes and Im not being connected to anyone. 

This is beyond unprofessional, unacceptable and a complete breach of contract which has now placed a greater strain on my credit score, being this debt was sent to collections. 

I request to have to recorded phone conversation on XX/XX/XXXX with XXXX, from Navient, to be reviewed. 

These XXXX loans should have never been sent to collections based on our conversation. She even provided me with great information to assist with possibly doing a settlement in XX/XX/XXXX, and said the settlement amount may be approved for {$15000.00}, depending on the down payment made. 

I have strategized my budget in an effort to keep my part of the agreement. 

Receiving this notice from collections about my student loans is a complete surprise and not at all what we discussed. 

It should have never been transferred to collections, and Im filing a formal complaint. 

Please also note, 55 minutes later after calling Navient, I am still on hold, no updates on the hold time, and I havent spoken to a representative regarding this very serious matter. 

Thank you.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Porsche Financial Services, Inc. (FL)

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CA)

I have been trying to pay my mortgage only to receive an error message every time I try to login and make a payment. It's unbelievable that the website works until I enter my ID and password and then I get a blank page with an error message. I should not have to pay a late fee when they are not providing a reliable site for borrowers to make payments. 

I am so frustrated that I can't make a simple mortgage payment to my loan servicer without having to contact the CFPB. I would rather my loan be transferred to servicer that is reliable and has a working website.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX
Consumer complaint received 2023-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

Ive been fighting Truist bank for 4 years now. I have submitted 2 complaints thru CFPB you guys have done nothing! Truist will respond and you guys close the file without investigating anything.

We do not and have not gotten a loan from Trusit bank. There are not even any Truist banks in California ( which is where we were living at the time it opened ). We had other fraud charges which have since been investigated and removed. Truist called us and began asking for our SNN, DOB and bank account numbers. Why would I give them this personal info, especially over the phone, with no verification and when theyve already given the wrong people access to something in our name? I have had to call and fight to get a copy of the contract ( they didnt want to send the first XXXX ) the signatures do not belong to me or my husband. They dont have copies of our IDs or anything else. They will not work with us or remove these false reports and the negatively report on our credit every 3 days damaging our credit and ruining our business.
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-27
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. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a cancellation of payment arrangement letter from capital one dated XX/XX/2023. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/2023 ( see attachment ). 

Called Capital One directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

The pink slip for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the pink slip with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 there was a mobile deposit.Still posted automates system. {$170.00} dollars. No explanation was given what happened to those monies $ Also went to XXXX appointments useless service. When I asked the banker for her business card and full name. Refused and said she was calling the police. Wells Fargo Bank on XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In requesting a balance transfer of {$4500.00} from my financial institution, XXXX ( XXXX XXXX XXXX ), I inadvertently chose CAPITAL ONE. The bank should have been XXXX XXXX. XXXX mailed the check to CAPITAL ONE which was cashed on XX/XX/2023. I attached a photocopy of the cashed check. After realizing my error, I have tirelessly attempted to reach someone at Capital One without success regarding the problem. I am hoping you are able to find a contact at Capital One in order to retrieve the {$4500.00}.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.
Consumer complaint received 2023-08-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (MD)

I saw a home for sale ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) on XX/XX/2023, learned it was a VA loan, and submitted an offer that required a VA Loan Assumption ( swapping out the current owner 's VA XXXX loan entitlement for mine ), and it was accepted on XX/XX/2023 with a contractually obligated closing date of XX/XX/2023. The lender, XXXX XXXX XXXX XXXX ), provided the wrong direction to me, for the first 2 weeks of a 30-day closing process. You see, I had XXXX homes on a VA Loan at the time, one in XXXX XXXX, IA, and one in XXXX XXXX, MD. VU confirmed to me, multiple times, by multiple loan officers, that I only had to refinance XXXX the XXXX XXXX XXXX out of a VA Loan and I was good. On Friday, XX/XX/2023, XXXX contacted me to let me know that everything they had been telling me to do was wrong. When I asked why, they were unable to explain why or provide supporting documentation in the VA XXXX XXXX why. I requested documentation but never received an explanation or citation. The new direction I received was that 1 home had to be sold and the other home refinanced out of a VA XXXX. Now, on the Friday before XX/XX/XXXX, I just had XXXX weeks to now sell the XXXX XXXX XXXX and begin the refinancing process of XXXX XXXX. I was able to accomplish both tasks but VU was constantly making up new rules and requirements. In the final XXXX weeks of closing, I had to call the Department XXXX XXXX XXXX XXXX VA ) nearly daily in order to get them to contact VU and have them explain themselves, and every time VU would fold and rescind their requirements. XXXX specific examples are : ( XXXX ) on Tuesday, XX/XX/2023, VU contacted me to inform me that they could not close on XX/XX/XXXX without an updated VA XXXX XXXX XXXX ( XXXX ) which is factually incorrect. I contacted the VA, the VA emailed VU, and VU honored the VA XXXX XXXX and confirmed they could close on the XXXX, MD XXXX on XX/XX/XXXX. This happened, yet again, within XXXX hours of closing, at XXXX pm on Thursday, XX/XX/XXXX, that VU would not close without a new, updated XXXX. VU 's loan XXXX, XXXX XXXX, informed me that XXXX 's legal team stepped in and enforced this requirement without providing any supporting documentation or explanation. Again, I called the VA, and they fixed the situation yet again but were alarmed to hear that a company 's legal team stepped into the mortgage closing process after the " cleared to close '' has been issued, within XXXX hours of closing. We demanded an explanation from VU to explain the irregularity of their legal team 's involvement but were provided none. I believe that XXXX was trying to prevent the loan assumption because it would be less profitable for them because the loan was going to be assumed at 2.75 %.
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I had a personal PayPal account that was opened and used for friends and family transactions. PayPal closed my account without any warning. They : -Kept the balance of {$4000.00} and refuse to release the funds for 180 days -Reversed a prior withdrawl in the amount of {$5300.00} from my bank without my consent. I have since filed a chargeback on this transaction. 

I have spent several hours on the phone with PayPal and have reached zero resolution. I am being discriminated against. They are yet to cite one reason for the account closure or terms of service that were broken. They always referred to the " back office '' and refused to let me speak with them. My family and friends continue to be able to use PayPal, I am being discriminated against and can not use their service. My funds are still being held without a reason given. My account was always in good standing with zero issues or chargebacks.
Consumer complaint received 2023-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

On XX/XX/2023 I was informed MOHELA has placed an Administrative Forbearance on your account. I called on XX/XX/2023 to see why, and was told it was a processing forbearance. I have been on the standard/level repayment plan for over a month at this point and an auto debit under this plan was actually withdrawn on XX/XX/2023. This is the payment plan I requested to be put on after I was denied PSLF eligibility for my current employer. Mohela has no reason to place my account under this administrative forbearance and in doing so, has removed my auto debit and subsequently the 0.25 % interest rate deduction. Meaning I am paying and accruing more interest until this forbearance is lifted from my account, which I was told could take 45 days or longer. This HAS to be illegal placing someone on a forbearance against their will and STILL allowing higher interest rates to accrue. After being escalated to a supervisor, I was told it would be escalated to be removed quicker and still no explanation was provided why the processing/administrative forbearance was placed on my account when I was on the standard plan and did not apply for any other plan. Mohela needs to be investigated for predatory behavior and charging higher interest rates from forced forbearances. Furthermore, if an administrative forbearance was placed on my account on XX/XX/2023 according to the documents attached, HOW and WHY was auto debit still happening on XX/XX/2023? This makes NO SENSE.