davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

This Wells Fargo CFPB Complaint is in conjunction with Complainants : # XXXX ; @ XXXX ; # XXXX On Thursday, XX/XX/2021 @ XXXX XXXX XXXX - Consumer received a Wells Fargo Bank Phone call using an Unidentified XXXX Phone number. XXXX my XXXX could not record this incoming phone number. Consumer assumes Wells Fargo Bank had Blocked their XXXX phone number, to the Consumer, on Wells Fargo 's Recorded out going line. ) This Lady, Wells Fargo Bank Representative introduced herself with name and Title of her position to consumer ; unfortunately this phone call woke-up Consumer at such a early morning time, and can not remember XXXX 's identity information. How ever She assured me that she would be working on four of my Complaints. She asked me for the Wells Fargo 's complete bank Accounts I had. T stated U did not know. She asked for the last 4 numbers of my SSA number, I told her. 

I asked her why she did not go through the CFPB 's Consumer 's Portal. and Why the 3rd party involved with this matter, was not responding to this matter. She asked me " What 3rd party? '' " The party that issues the refund checks. '' She asked " Why is it so important to go through the CFPB portal to communicate? '' I stated other merchants did go off the grid and later I found out these other entities has something to hide. " Because I received 2 letters from them. She assured me she was that person. Then my cell phone went dead. She did have my email address but did not send email to continue communication efforts. 

To XXXX XXXX. Exec. Office Case Specialist of the XXXX XXXX XXXX XXXX. At the bottom of XXXX letters signed by you states : a particle statement : " We will communicate with the appropriate parties going forward. '' Please inform Wells Fargo that fact, because This Lady just stole your Identity, by posturing to me that she is XXXX, and XXXX she did not even know this companies name nor the involvement with Wells Fargo XXXX the Wells Fargo 's bank account numbers! 

The Consumers DO NOT WORK FOR WELLS FARGO NOR KEEP WELLS FARGO ACCOUNT RECORDS! AND MANY BUSINESS ENITIES CROSS FILE BY USING OTHER PEOPLE 'S CONFIDENTICAL SSA NUMBERS AND THAT TOO IS IDENTITIY THEFT! 

WELLS FARGO 'S HARRASSMENT TO CONSUMER 'S TO FULL FILL WELLS FARGO 'S EMPLOYEE 'S JOB DUTIES IS WORTH TO THIS CONSUMER 'S $ XXXX COMPENSATION FOR MY LABOR TIME INCLUDING PUTTING UP WITH WELLS FARGO 'S INTOLERABLE VERBAL INSULTS OF MY CONSUMER 'S TIME ONLY BEING WORTH XXXX CENTS! 

NO MORE SCAMMING, LIEING ON MY PHONE! STOP PHONING ME!!
Consumer complaint received 2021-07-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Dear Consumer Financial Protection Bureau, Currently, I am delinquent in my mortgage loan of my owner occupied and primary residence located in XXXX XXXX, FL. The mortgage loan is being serviced by Mr. Cooper aka Nation Star Mortgage, which is the servicing mortgage loan company of trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I requested loan modification back in XX/XX/XXXX from Mr. Cooper aka Nation Star Mortgage. I requested loan modification to avoid foreclosure and because I lost my employment due to COVID-19. They sent me a letter denying my loan modification request on XX/XX/XXXX. They are only giving me the options of a short sale, deed In Lieu and reinstatement of mortgage loan with a single-lump sum payment to bring mortgage current by paying all past due amounts, which is a large amount exceeding my capacity to pay. I have asked Mr. Cooper to negotiate the single-lump sum payment amount and reduce it to one quarter or half of the single-lump sum payment amount being requested. In fact, I have even proposed to reinstate the mortgage loan by making several trial payments or payment arrangements in smaller amounts so that it makes it easier for me and I can keep my home, but Mr. Cooper does not even want to negotiate. At this point, Mr. Cooper does not want to accept any affordable payment arrangements or offers to reinstate my mortgage loan. They are simply making it as a high single-lump sum payment and not even consider approving my mortgage loan modification request. 

I appealed again loan modification to Mr. Cooper on XX/XX/XXXX, asking for negotiation of single-lump sum amount requested, and they sent me letter advising me that they will consider evaluating my mortgage loan modification request, but to be on the look out for foreclosure notices coming soon. They have not even attempted to request any financial information from me. My income is stronger in XXXX compared to XXXX income reported to IRS. I believe that Mr. Cooper is not making an effort to evaluate my appeal of a new mortgage loan modification, and they are just simply moving forward with foreclosure proceedings after XX/XX/XXXX when the mortgage/rent moratorium ends. 

I am asking for your intervention in the mortgage loan modification and negotiation of single-lump sum payment being denied by Mr. Cooper and its trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ). Please help me keep my home so it does not escalate to foreclosure proceedings. I am willing to make affordable payment arrangements and start paying my monthly mortgage loan payments approved by a loan modification.
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Stilt Inc (TX)

Hello, I took a loan from Stilt Inc. a few months back. After the loan approval, I opened their Stilt Checking account as they said Ill get 5 % cash-back if I pay loan payments with their checking account. It worked fine for two months. After that i dont know what happened. Stilt checking account suddenly got closed with my money in it around XX/XX/XXXX. It asked me to upload all the documents again like XXXX ID, SSN, etc ... I uploaded it and still, I wasnt able to access it. I contacted Stilt customer care on XX/XX/XXXX and told them the issue. They said theyll look into it. I followed up with them every week through email or phone calls and they say the same thing every week that they escalated the issue to the higher department, other than that theres no help from them. The money to pay for the loan is in that checking account. Im 10 days past the due date and I was fined for late fees and it's gon na report on my credit score that I havent paid my monthly payments. I need help. Please.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Based on 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is not 100 % accurate, I have displayed on several occasions how the Fair Credit Reporting Act is being violated. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall now furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporing angecy if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureas dont seem to be compliant with the actual laws.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have contacted this company several times to validate this debt and they have not sent me any documentation ( original contract with full social security number, date of birth, and original signature ) to verify that the debt is in fact mine. I sent the very correspondence to them via certified letter on XX/XX/2021. I sent an updated letter 30 days later to request deletion of the debt due to no response. Then I filed a complaint with the CFPB. They responded to the complaint by saying they are still working on it. It has been over 30 days so the only thing they need to work on is deleting this debt from my credit profile with all credit bureaus. As of today, I have filed a complaint with the FTC regarding the debt collection practices of this company.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I opened an account with coinbase www.coinbase.com and when I wanted to withdraw my money then their app says account under review, I tried to contact them via different ways both answer yet, this has been like this for over 3 months already, I even told a friend that lives in XXXX XXXX to go to their office and there is nothing there. 
Please help me to recover my money, it's a fraud, there are forums with other people in the same situation. 
Thank you XXXX XXXX
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021, I ( XXXX XXXX XXXX ) received a email from XXXX XXXX from email XXXX about a property ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I asked for more information about and interested in renting that was listed on XXXX. 
XXXX advised me that the property was still available and sent me an application to fill out, and also advised me that {$1000.00} security deposit and the rent will be {$1000.00} a month. 
On XX/XX/XXXX I drove by the house at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to look at and when I was there looking at it was vacant with no signs of anyone living there. 
So, I filled out the application and email the application to XXXX. He then email me back and said I was approve and If I can the security deposit of {$1000.00} and first month rent of {$1000.00} and last month of the amount of $ XXXX.He gave me a XXXX email of XXXX who he said was his lawyer ( XXXX XXXX XXXX ) and property manager. 
I sent him the security deposit of {$1000.00} on XX/XX/2021 from my XXXX account with Bank of America and the first month payment of {$1000.00} on XX/XX/2021 from my same XXXX account then I went to send the last payment of {$1000.00} from my XXXX account and it didnt go thru and I advised XXXX that XXXX will not let me send the money so he gave me XXXX XXXX tag name of $ XXXX ) info of XXXX XXXX XXXX to send it. So, I sent the last payment of {$1000.00} thru XXXX XXXX to him. 
XXXX confirmed all three payments and advised me that I can meet him at the house on XX/XX/XXXX to pick the keys. 
Later that day XXXX email me asking if I can Pay another {$500.00} to pay for his lawyer airfare, I advised me can not pay that right now and he email me back asking if I can at least {$300.00} and I advised no I cant and I didnt hear back from him after that. 
On XX/XX/2021, I drove the by the house ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I notice that someone was moving in and was living in the house, The next day a emailed XXXX and XXXX and asked for my money back and to cancel my rent agreement, because I believe I was scam. He responded back he will refund the money a couple days went by, and no refund and I email both again and response back. So filed a dispute with the bank and XXXX XXXX and still waiting for them to finish their investigations. 
The bank and XXXX XXXX refuse to credit back my account the money. Even after I told them that I was scam and someone commit fraud and I filled a Police report and a report with the FTC and after I tried to connect the third party and they will not response back. I don't think they care about their customers.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts on my credit report.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ILLEGAL AND IMPROPER REPORTING ACTIVITY- REPORTED LATE XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX AND IMPROPER REPORTING ACTIVITY- REPORTING LATE, XXXX, AND CHARGE OFF- ACCOUNT WAS PAID IN FULL SUCCESSFULLY
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

XXXX consumer refusal to remove loan or take decision responsibility for despite AGO judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the AGO.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX consumer refusal to remove loan or take decision responsibility for despite AGO judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the AGO.
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC (VA)

on XX/XX/21 XXXX  from ARC debt collection called me regarding unpaid hospital bills. Told me the total balance is {$1900.00}. She asked if i could pay it today. I told her that i needed a payment arrangement. She asked if i could pay today. I said no. She then told me that if I didnt make a payment today then it could effect my credit negatively. I then asked to speak to the supervisor. I waited on hold for 10 minutes. XXXX XXXX came on the phone. I told him when i asked what the rep meant by effecting me negatively. She said just like i said. He then said it would effect me negatively as well. When i asked him how it would if i didnt make a payment today then he said well it could if you dont make a payment by the end of XXXX. He wouldnt let me speak and continued to talk over me. then he proceeded to tell me that i have 6 accounts in their offices but would tell me verbally which ones, dates and how much. just said i will send in the mail. when i asked who is superior was he refused and said i cant talk to him. i advised i didnt ask to. i just asked who it was and he said XXXX XXXX is the owner. The treatment i received was very unprofessional and threatening. I have no problem with setting up payment plan but to be talked to in this type of manner is not in any way professional
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MS)

The Date : XX/XX/2021 Amount : {$3000.00} I had to move out of my house. Was never late on my rent payments and made sure the house was move in ready for the next tenant before I moved out. After pulling my report this month ( XXXX ) I see that this company ive never heard of has an amount for collection of the above amount.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

-Citibank offered an on line promotion for a {$700.00} bonus with a minimum deposit balance of {$50000.00} ( between checking and savings accounts ) maintained for sixty ( 60 ) consecutive calendar days. The offer period was XX/XX/XXXX - XX/XX/XXXX. 

-I opened two accounts and received confirmation from Citi XXXX XX/XX/XXXX that my accounts were opened. The {$50000.00} I transferred to fund these accounts was reflected in Citi 's XXXX monthly statement. 

-After inquiring on XX/XX/XXXX why the {$700.00} bonus was not posted I received the attached letter dated XX/XX/XXXX noting this offer was only addressed to specific individuals. I was confused as this offer was available to the general public. 

-I documented this in the attached letter to Citi dated XX/XX/XXXX. I included the names of two employees whom I communicated with via Citi 's help chat. Both individuals confirmed the {$700.00} would be posted to my account ( but provided different posting dates XXXX. To date I have not received a reply from Citi. 

-I appreciate your assistance resolving this matter.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC. (DE)

My wife and father received calls From XXXX XXXX XXXX regarding a supposed debt owed for Kay Jewelers and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IA)

On XX/XX/XXXX, I was notified via XXXX that a collections charge dating back to XX/XX/XXXX of {$260.00} from XXXX XXXX was added to my credit report. They advised the debt was associated with my name and SSN ; however, had a " service address '' in XXXX XXXX, MI. I have never lived in, visited or know anyone who lives in the state of Michigan. I contacted XXXX and they advised they have no history with my name, SSN or actual physical address in XXXX XXXX, IA, which is where I have lived my entire life. I then contacted XXXX directly and was advised I needed to file on FTC.gov and contact both XXXX ( which I had already done ) and the collection agency, Sequium Asset Solutions , LLC, who advised they would indicate the charge was identity theft.
Consumer complaint received 2021-07-08
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: Nelnet, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-08
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: Duvera Billing Services, LLC (CA)

It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.