davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (MA)

RECEIVED INFO FROM XXXX XXXX THAT I WAS 3 MONTHS BEHIND IN MY TDBANK CREDIT CARD PAYMENTS UPON SPEAKING TO TDBANK I WAS ADVISED THAT I GOT MY STATEMENTS BY E-MAIL WHICH I DO NOT I RECEIVE PAPERSTATEMENTS/TURNED OVER TO FRAUD UNIT ( TDBANK ) IT WAS FOUND OUT THAT SOMEONE HAD CHANGED MY ACCOUNTS E-MAIL AND PHONE NUMBER PREVENTING ME IN GETTING MY BANK PAPER STATEMENTS. ACCOUNT CLOSED AND WAS ADVISED THAT I WOULD BE REFUNDED MY LATE FEES ALSO ADVISED THAT MY CREDIT " LIMIT '' WAS REDUCED FROM OVER {$16000.00} TO {$3700.00} CAUSING MY CREDIT SCORE TO DROP VERY LOW. RECEIVED LETTER XX/XX/2019 THAT MY CLAIM # XXXX WAS CLEARED AND THAT I WAS NOT AT FAULT AND RESOLVED " IN MY FAVOR '' AN UPDATE WOULD BE MADE TO THE ACCOUNT ON MY CREDIT CARD. LATE PAYMENT WERE DEDUCTED, BUT MY CREDIT LIMIT WAS NOT RAISED TO THE ORIGINAL LIMIT. CAUSING MY CREDIT SCORE TO REMAIN " LOW '' FAIR STATUS. DUE TO THIS OTHER CREDIT CARD COMPANIES ALOS NOTIFIED ME THAT THEY WERE LOWERING MY CREDIT LIMIT BECAUSE OF THE ACTION TAKEN BY TD BANK. JUST WANT MY CREDIT SCORE RETURNED TO WHERE IT WAS.
Consumer complaint received 2018-08-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOME FINANCE OF AMERICA (CA)

In XX/XX/XXXX I finally reached my goal of paying off my credit card debt and was ready to purchase a home. I went to explore options for individuals who need assistance with a down payment. The county of XXXX  had a program ( that is still posted on their website ) using parameters of {$42000.00} to qualify, however they do not have any grant funds left this year and the program manager, XXXX XXXX stated that it will likely be next spring that they can offer this program. However the website states there are funds currently available : XXXX XXXX XXXX Clearly the posted income parameters are stated as {$42000.00}. 
XXXX XXXX XXXX I then secured a lender, XXXX XXXX   XXXX XXXX. I told XXXX about the program I found and she stated the City of XXXX XXXX has the same program and did have funds available and that I did qualify using the city 's salary guidelines of {$42000.00}. She prepared my loan package and encouraged my realtor to also submit the package with an offer. I went to great lengths to provide lending documentation, preparing the offer to purchase and submitting the application to the city of XXXX XXXX. I was then informed by XXXX Last the City of XXXX XXXX Program Director who stated that the state had lowered the income guidelines and the lender used an outdated application. Yet the only application and documentation that is available for consumers still has the old income parameters. It was not only disappointing to have wasted so much time and effort but a complete misrepresentation of the programs that are supposed to be available to consumers. How possibly could the income guidelines have gone down when the housing costs have gone up.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XXXX mortgage lender tried to pull my Equifax credit report and score. They were unsuccessful. On XX/XX/2019, XXXX XXXX and I attempted to resolve the issue with Equifax but was unsuccessful. I was informed that there were no issues. On XX/XX/2019, I called 3 times and spoken with 2 reps and 1 supervisor and they claim that there are no locks, blocks or freezes on my file, but yet I can not pull my report and score with XXXX, XXXX  ( their 3 bureau service ) nor Equifax and XXXX XXXX nor my lender has still not received my score and report. In fact, I can not even log into my Equifax online account. Something has to give. This is ridiculous!
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (IN)

Well this how it came about when I tried going to the PNC Bank on XXXX XXXX XXXX XXXX XXXX Indiana trying to open an account in which I was given a Smartaccess card ending in XXXX O.K. Then it wasn't even a month later I was able to create a account with three different accounts involved O.K. Then a check was written and  deposited into the new account number ending in XXXX O.K. Now the check was deposit and I got a receipt saying it would be available within a few days O.K. Now I went to the branch letting them know about the XX/XX/2019 deposit of {>= $1,000,000} on the card ending in XXXX. They ended up closing the account saying someone may been trying to get ahold of the funds without my consent they closed my account without giving me a reason. I have a copy of the check that was mailed to me with a message saying this is A LEGAL COPY of your check and could be use the same way but at the same time my account was closed without further response. I need some assistance with this matter would be great ly appreciate it when this is resolved. Check number XXXX?
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I called XXXX XXXX XXXX XXXXat XXXX XXXX time. I  called inquiring how to get my report. I spoke with a man who took all my private data and stated that I could order a full copy of my report. I gave my date of birth, drivers license, address and all. The man put me on hold and NEVER RETURNED! As you you see from the uploaded screen shot I was on the line with them for 43 minutes and NO reponse. There is nothing that should have taken that long to NOT RESPOND to  mail me my report. I claim that they are stalling and refusing to follow through with my request to know what they are reporting on me. I feel they are refusing to provide me with my rightful access to the items they are buying and selling about me and to make sure they are accurate. They violated my rights big time by not providing the report in writing as I requested. Their rep said they could go item by item on the report. I opted to actually see it so I know what I am disputing and yet NOTHING!!!! They never returned. It shouldnt take more than a few moments to upload a report and IF there were system issues the CSR should have been back on the phone telling me or responding to me asking if someone is still there .... I got nothing at all!!! NOTHING!
Consumer complaint received 2018-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MA)

I went to XXXX XXXX from XXXX XXXX XXXX by XX/XX/XXXX i was employed full time at a non profit company. apparently partial amount of my loans went into repayment in XX/XX/XXXX and the rest in XX/XX/XXXX. i went on XXXX XXXX XX/XX/XXXX for which i continued to make payments regardless. around that time ( XXXX - XX/XX/XXXX ) i applied to be put on the IDR repayment plan and WITHOUT my consent/knowledge nelnet put my account in forbearance although i made normal payment that month and at the normal amount. 

in XX/XX/XXXX once again nelnet put me into forbearance WITHOUT my consent/  knowledge when i enrolled in their autodebit and they still received their normal payment at the due date. 

I transferred into a public service loan forgiveness program through XXXX in XX/XX/XXXX and my loans. After contacting nelnet I found out that WITHOUT asking/knowledge they put my account once again in forbearance when i continued to make normal payments. 

then there are a period of approximately 8 months where they say they have no record of payment BUT at the same time say there was no forbearance or deferment but refuse to answer my question as to why there would be no payments and the lack of negative reports/delinquency notes on my account. 

ALL of these issues have caused me to loose out on over 12 qualifying payments for my loan forgiveness.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I have several business accounts and credit cards with the bank. On XX/XX/XXXX I received an email that asked if I recognized two debit card charges, which I did not, so I clicked no and the website indicated I would hear back from someone within 2 business days. The days came and went and I checked to see the status of my account and found several fraudulent charges on the account so I called claims to let them know that the card which I had reported as in my possession and with fraudulent charges needed to be canceled and those debits reversed. That was on XX/XX/XXXX or so. 

A week later there were still charges occurring on the canceled card so I called claims again and asked that a manager be attached to my account to make sure it is being supervised and to reverse all the fraud. They reversed it but again a week later there were more charges on the canceled card. And another time thereafter. 

I have now had to call 4 times to make claims despite being promised 3x that escalation would follow up with me and take care of the situation. There have been 60 transactions from XXXX XXXX XXXX all at XXXX theaters and over {$6000.00} of my money used on a card that was already canceled. The bank is not managing the issue or solving it, they're just wasting an hour of my time every week figuring out there has been more fraud and leaving me to try to solve it. 

This past time I finally was connected with an escalation manager who proceeded to hang up on me while I was on hold as she attempted to figure out the problem and now 40 minutes later I have not been called back. I will have 120 extra entries for bookkeeping, my payroll bounced due to insufficient funds which delayed payroll for my staff, I received a fee from the payroller, and now my payroll will need to have 4 days lead time instead of 2 which is another cashflow burden.
Consumer complaint received 2019-07-23
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. (FL)

I am a victim of identity theft. I sent multiple disputes ot Equifax and complaints regarding the information listed in error on my credit report for XXXX/XXXX XXXX. The response was a letter addressed to someone name XXXX XXXX to my address. I have since contacted Equifax who can not verify my personal information that I provide. I specified the account names, inaccurate info and provided my personal info each time disputed. No one not can seem to verify this account, who opened it or who XXXX XXXX is. I also believe I am part of the Equifax breach as I can no longer access any of my personal credit reporting information by mail, via the Equifax website or over the phone. This account is NOT MINE and NOT VALID. I am not XXXX XXXX.
Consumer complaint received 2019-07-23
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: EQUIFAX, INC. (SC)

Since XX/XX/2017, I have repeatedly filed complaints with Equifax on credit inquires that were not authorized. Equifax repeatedly ignored all the complaints. I have contacted all of the below companies and they have no records or do not want to provide any assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I have had a credit report freeze since before XX/XX/2017 and these companies never contacted me before pulling the credit report for verification either by mail, or telephone. 

The credit freeze has never worked and companies continue to pull when they have never been authorized nor do they contact me for verification.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have a Citibank Credit card and my minimum balance was due by the XX/XX/XXXX.

I made a payment earlier in the day, but needed to deposit money into my checking account before I could make my final {$300.00} payment.

I live in California along with almost 40 million other people.

The United States has a system of time zones and California is 3 hrs behind Eastern time.

I tried to make my payment online and it was telling me it was the XX/XX/XXXX when in fact it was still the XX/XX/XXXX in California - so I didn't pay online.

I called Citibank XXXX around XXXX XXXX  and asked to speak to the supervisor and brought up this problem - they told me that my card agreement has the time due as being midnight eastern time on the date due - I then asked to speak to a supervisor in the United States and spoke with someone - he took my payment using my bank routing number and acct number but advised that the payment is listed as being made on the XXXX. He did waive the late fee.

My contention, regardless of the written agreement, is that 40 million people are being discriminated against by being forced to make their payment 3 hrs earlier than clients on the eastern coast are allowed to - this is unfair to 40 million people.

Can you please work towards forcing banks and other financial companies to regognize the time zones of the country and class payments made by midnight in the local time zone as having been made on time regardless of what their system says.

Thank you for your attention to this matter. XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I informed this company I was represented by a lawyer, in XX/XX/XXXX. I requested they contact them directly. 

They continue to call and bother myself and my mother after multiple request to stop.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not suited to handle a 'negative amortization ' loan. Online and statement by mail only give the option to pay the minimum amount plus insurance. They see my loan as a standard ARM and at the same time tell me they understand a negative amortization loan. Since taking over the loan ( 4 or 5 months ago ) I have to call every month to make my payment. I never speak with the same rep so I have explain my loan so they take the right payment. This takes time as they put me on hold to read the mounting notes of the previous months. They go through the same series of solutions that I go through every month that never fix the issue. Since being forcibly moved into this company it has taken me 30 to 45 minutes to make a payment. It used to be 30 seconds online at Wells Fargo. All I am being told is that they are working on it. My relationship due to my frustration is not going very well with this company. I understand my loan can be transferred and what I do not understand is how it can transferred to a company not suited to handle this type of loan? Wells Fargo told my only way back it refinance but I like my loan and want to keep it. 
What recourse does a consumer have in this type of indecent? There has to be something against mortgage companies selling consumer mortgage loan paper to unqualified companies.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

In XXXX I had a late payment and it was due to my online banking being disabled after I received fraud across multiple different cards. The online banking being disabled for 3 weeks caused me to be late on my payment. I talked to many advisors at Wells Fargo and they said I would not be effected however per my reports it looks like I was. Ive paid every payment on time, and use credit cards solely for the points and cash back opportunities. Not because I need the money. Im looking to buy homes and scale my business and would love this blemish removed from my near perfect credit score.
Consumer complaint received 2023-06-30
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: RentDebt Automated Collections, LLC (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my report
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX scammed me and stole {$1400.00} for student loan forgiveness. They contacted me via email and phone in XX/XX/XXXX and convinced me they were with my student loan servicer. They obtained my social and debit info and proceeded to steal {$1400.00} from XX/XX/XXXX through XX/XX/XXXX when I finally realized there should be no upfront payment for student loan forgiveness. I told them to cancel this payment plan and asked for my money back but they insisted they are legitimate and that an income driven repayment plan was now in place and my student loans in the form of {$37000.00} would now be forgiven. 

XXXX Wells Fargo several times, who claimed to investigate the incident, and said they could not retrieve the stolen funds. 

XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My mortgage was transferred to Mr. Cooper ( NationStar ) in XX/XX/XXXX. They are maintaining an escrow account to pay both municipal property taxes and homeowners insurance. However, since they took over the mortgage loan, they have failed to pay municipal property taxes from the escrow account. 

I have mailed property tax bills and delinquency notices to them on two occasions to the address they provided : XXXX XXXX XXXXXXXX, XXXX, TX XXXX. The most recent items were mailed on XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have emailed property tax bills and delinquency notices to them on three occasions to the email address that they provided : XXXX The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have called and spoken with individuals in their escrow department on several occasions, including the following : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They open research requests, ask me to email the documents and/or promise to take action and follow up with me. After each of these calls, no action was taken, and no one followed up with me by mail, email or phone call. 

The first missed municipal property tax payment was due on XX/XX/XXXX - {$2800.00}. They took no action to pay it. I finally paid it, along with interest due, on XX/XX/XXXX from my personal funds - total {$2900.00}. Since then, Mr. Cooper has not taken any action to reimburse me or credit my account. 

The next municipal property tax payment is due on XX/XX/XXXX in the amount of {$2900.00}. I have no confidence that Mr. Cooper will take any action to pay this on time ( or at all ) from the escrow account. I intend to check with the city a day or two in advance -- if the amount is unpaid, I will again make the payment from my personal funds. 

Mr. Cooper 's management of my mortgage escrow has been a total and complete failure from the time that they became my mortgage lender. Their customer service department is useless. They do not take any action with respect to requests made by borrowers and do not acknowledge receipt of materials or communicate with borrowers in any way regarding unresolved requests. 

I am hopeful that you can help as I have no confidence in this company to remedy the problem. Thank you very much. 

P.S. Every one of my mortgage payments to Mr. Cooper has been paid in full in a timely fashion through autopay.
Consumer complaint received 2018-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I initiated a wire transfer through my company account with Chase Bank ( XXXX XXXX, XXXX ) for payment to a service supplier of mine in XXXX on XX/XX/18 for execution on the next business day which was XX/XX/18. I received notification that the wire was put on hold, pending me providing more information. 

I am travelling overseas on business at the moment which makes the resolution all that more difficult but I tried to contact the bank on the number they gave me but it wasn't working. So I called the number on the back of the company debit card I have and they transferred me to the business division. After providing all my personal & company details for verification I was put hold for 20 minutes only to be told they couldn't help and gave me another number. 

Not to bore you with this over and over, but this process has been repeated now 5 times, contacting different departments by phone and I have also secure emailed Chase 3 times but still no one will help. 

I really needed to pay the supplier so I did that from another of my business accounts and then asked Chase to cancel the wire ( which is for {$10000.00} ) but they will not. I was given a number to call again, where they told me they couldn't help me and after a further email I was referred to yet another department again. I don't think this will be resolved by normal means. I feel the only way is through a carefully constructed complaints process. From the tone of the phone calls I have been having I get the feeling my {$10000.00} may be gone forever unless I act outside of the bank system