davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank branch # XXXX XXXX located in XXXX, FL. took our check made out to Wells Fargo Home Mortage, and showing our correct loan number for our mortgage payment due XX/XX/19 on XX/XX/19 at their Drive-up window teller. They then sent out a receipt for transaction # XXXX XXXX, XXXX XXXX., XX/XX/19 Credited XX/XX/19 showing the correct amount paid. 
My husband looked at the very faintly printed receipt and checked to see if the amount paid was correct. It was the correct amt. so he pulled away out of the bank drive-up. 
On XX/XX/19 and again on XX/XX/19 we received a total of three Robo-calls listed on our caller I.D . as being from " Wells Fargo Ban '' and showing three different toll-free numbers. We thought these calls were from scammers spoofing a bank. We called Wells Fargo Bank and we were informed that we owed two mortgage payments and that the calls were from them. 
The receipt we had said our mortgage payment was credited as a " credit card '' pmt. to an acct. ending in XXXX and not to our loan number. We have NO credit card accts. with Wells Fargo so we believe that our mortgage pmt. was credited to a bogus acct. even though my bank statement shows our check ( drawn on a different bank ) was cashed by them on XX/XX/19. We are concerned that they have opened a bogus credit card account ( s ) to which they credited our payment. 
We have spoken to them about this but we are still concerned that we may have bogus accounts opened by them and that we were targeted for a mortgage foreclosure action.
Consumer complaint received 2018-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

On Tuesday XX/XX/XXXX through a XXXX ad I bought tickets to a XXXX XXXX concert. After speaking to XXXX on the phone he told me to send him the {$300.00} using XXXX. 

I have never used XXXX before but figured since it was through my park PNC I would have protection from a scam. 

I was wrong I wired the money to XXXX XXXX XXXX He accepted my money and my tickets never showed up. 

My number was blocked from calling his and the ad was still on XXXX. My stepmom even contacted him and he did the same speech to her. She three-way me in the call and I asked for my money pack and he hung up and blocked us both. 

I immediately called PNC to stop the transaction but XXXX had already accepted and the transaction was pending. 

I was told to wait until the money posted to file a claim. Tuesday evening I called my police office and filed an incident report. 

I called PNC on Wednesday the XX/XX/XXXX and was told there is nothing they can do since I authorized the transaction. There is no scam protection. And even though I called the day it happened they could not put a hold on the money even going out of my account
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK (FL)

ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ). 
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM. 
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CA)

I am currently dealing with a case where one of my checks from TD Bank that I sent in the mail was physically altered and cashed into a different account. The bank has not been responsive to me. 

On XX/XX/2023, the rent check for {$5200.00} that I sent in the mail from my TD Bank account was cashed. 

On XX/XX/2023 I was informed by my landlord that the check had not been received. 

After checking the digital records on my TD Account, I noticed that the check had been altered to have a different recipient, and cashed into a different account. 

I immediately contacted the fraud department at TD Bank and filed the claim. The representative on the phone saw the digital record and agreed that the check had clearly been doctored. However, since I live in XXXX, I am unable to resolve this by going into a branch. 

I was advised to fill out a notarized affidavit in order to get the process started. TD Bank informed me that they would mail me the affidavit to fill out on XX/XX/XXXX. 

By XX/XX/XXXX, the form had not been received, so I called my local branch in Pennsylvania, who was able to email me the form. The mailed copy still has not been received to this day. 

I filled out, signed, and notarized the affidavit that was emailed to me, and sent it to the TD Bank 's GSI department on XX/XX/2023. Since then, despite making numerous calls I have received absolutely no information about the status of my case. The bank is not being responsive to me. 

I've called the fraud department at least five times at this point, most recently on XX/XX/2023 and TD Bank continues to not give me any information on my case or even confirm that the affidavit has been received. 

I am worried for my personal sensitive information that was on the form, and I am worried that I will never be able to recover the money that was stolen from me. The fact that I can not even get a status of my claim, let alone a confirmation that my affidavit has been received is completely unacceptable. 

Thanks in advance for any help you're able to provide.
Consumer complaint received 2022-06-15
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: Waypoint Resource Group, LLC (MN)

I never opened an account with XXXX that shows on my report with an open date of XX/XX/2022. 
I am not sure why I now see a collection account as I don't recognize this. 
Seems like someone is compromising my data somewhere else, and this is very alarming to me. Please help me on this matter.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I have been trying to get PMI removed for the last 2 years. According to my Loan profile the only requirement is LTV of 80 %. I reached that 2 years ago. I have tried every year to get rid of it. Each year they give me a new set of requirements. No where on any documents that I have says Wells Fargo can require an appraisal or broker opinion by one of their affiliates for which I have to pay for. I have a credit history in the XXXX. I was a customer for this loan and others with Wells Fargo for years and never late on a single payments. You can go to low estimate on XXXX {$160000.00} and still have a LTV of 80 % or at XXXX comes in at a higher of {$170000.00}. I have asked repeatedly for the documentation that I signed at closing that states I agreed to pay for an appraisal or pay Wells Fargo affiliate for a Broker Opinion. They have for the 3rd year been unable to produce any documents that meet this requirement. However Wells Fargo will get rid of the PMI if I refinance with them, pay them for an appraisal, or pay them for a Broker Opinion.
Consumer complaint received 2019-03-26
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. (VA)

You are just as bad as Trans Union. I filed a complaintXXXX. You closed the complaint before Trans Union did anything. Then, Trans Union ignored the complaint and and did nothing. Trans Union is the only credit agency that will not close the XXXX XXXX account that has been discharged and closed in XXXX. My credit score continues to be not as good as it could be because Trans Union will not close the account. And CFPB has done nothing to help me. Thank you for nothing!
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am extremely concerned with Bank of America 's discriminatory policies directed towards members of the gun industry. These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

Thank you for your kind attention.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

The account is closed and I have tried to pay it off, but Barclay 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining my credit report.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

At approximately the beginning of XXXX, I reached out to US Bank to refinance my home mortgage. Because the interest rates had dropped, I thought that this would be a good time and I could lock in a 20 year loan for the same amount as my 30 year loan. I began the process with them immediately. By XX/XX/XXXX, I'd received some follow up communication, which implied the appraisal had come through. I sent them an email on XX/XX/XXXX because I wanted to see the appraisal. On XX/XX/XXXX, I received an email that I could view the appraisal, which I did. On XXXX, I sent an email asking if their refinance would be processed in enough time for me to keep the rate they had locked me in at when I applied. On XXXX, they told me my loan was still with underwriting in the initial review. On XX/XX/XXXX, I was asked for additional information, which prompted me to send two emails and to make a phone call. I finally spoke to my loan officer and asked about an amount of money they were wanting statements for, why I couldn't get ahold of anyone, and what was going on with my HOA ( my HOA requires a fee for a refinance which the loan officer was not aware of and even argued that it wasn't normal for them to do that, but I've refinanced on this home before so I am 100 % certain it's required ). The loan officer FINALLY increased the loan amount on XX/XX/XXXX ( had asked her on XXXX ) so I wouldn't have to pay cash at closing. On XXXX, I was told they had emailed my insurance company to switch the information over to US Bank. The processor implied that my insurance company was making them wait. I've worked with the insurance company for over seven years and they are extremely efficient so I knew it wasn't them holding this process up! On XX/XX/XXXX, I emailed the loan officer asking if this refinance is going to be finished before my XXXX mortgage payment is due. That we are now on THREE months for a refinance. THREE MONTHS! I have bought 4 homes and refinanced this one before so a total of 5 closing experiences not counting this one. In all of those times, not once did the process take over a month. I honestly want out of the refinance at this point but they've already charged me their fee and with their lackadaisical approach, I'm sure there are papers floating around everywhere half finished. If it takes 3 months to do the paperwork, I have no doubts that something will be wrong. The processor already spelled my name wrong and I had to correct her on that. That is literally her only job. I have been a loan processor before.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$1200.00} / XX/XX/2022 XXXXXXXX XXXXXXXX/ {$150.00} / XX/XX/2022
Consumer complaint received 2018-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

PNC Mortgage offered a forbearance plan to me due to Hurricane Irma and at the time of acceptance they stated I could easily do a loan deferment or loan modification at the end of the term. With that said they would not discuss my options or evaluate my mortgage until the forbearance was over and the loan was in default. Upon default they explained that the deferment was not an option and the modification would take months to approve if it was even approved at all. I faxed in the loan modification paperwork twice ( I have the sent receipts ) although each time they stated they did not receive it but it could be still in the process of uploading into their system which takes a minimum of 3 days. On XX/XX/18 their collections department called demanding the money and stated as long as I made the payment that day I would not be reported to the credit bureaus so I reluctantly made the payment in full and the very next day my credit dropped 118 points. Upon filing a complaint with PNC bank their complaint department stated to me that there is absolutely nothing that can be done and that they report to the credit bureaus on the XXXX of each month. The collections department representatives each and every conversation refused to tell me when they report to credit bureaus. I feel like I was taken advantage of. Nothing was ever signed. They are refusing to send me the " so called '' recorded conversations. They ruined my credit and are refusing to allow me to refinance when I have over $ 200k in equity in the house so they can keep charging me for mortgage insurance. They deceived me and I'm sure they have ruined plenty of natural disaster victims lives due to their process. All I want is for them to help fix my credit and allow me to refinance in order to remove my co-signer as she does not participate any more. Additionally, I had to use every penny I had in my savings to pay the 6 months of forbearance so it would be nice if they could return that to me and defer the missed months to the end of the mortgage or something.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Please investigate and process my disputes for all these collections that im disputing. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

My identity was stolen in early XXXX XXXX. I immediately froze my credit across all three bureaus, followed the guidelines on the FTC, created a fraud alert, and have a police report. In XXXX my reports across all three bureaus were unfrozen without my consent. I was able to refreeze XXXX and setup a pin. As of today, it appears that XXXX has not been unfrozen ( great! ). My complaint is against both XXXX and Equifax. Multiple days so far in XXXX, my credit has been unfrozen at both of these credit unions, without my consent. Despite calling both organizations and discussing this with customer service, I was told there is no way to secure my account. At one point, while talking on the phone with customer service at Equifax, another user called in on another line, and requested my account be unfrozen, and they obliged! I watched on my online account as the indicator noting the freeze had moved between frozen and unfrozen, while I was logged in. The only information needed when a caller calls transunion or equifax is SSN, numeric portion of your address, date of birth, and zip code. All of this information has been compromised for me, so someone continues to call bureaus and easily unfreeze my credit regularly now. Almost immediately after it is unfrozen, I receive hard and soft inquiries for credit unions, banks, cell phone accounts, etc. Is there absolutely nothing I can do to make this all stop? I have absolutely no power to control my credit being frozen, and that is unacceptable. Help!
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It is deeply concerning to me that Bank of America is using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions are clearly political statements and not business decisions based on financial unsoundness or criminal activity of their customers. As a BofA credit card holder I am concerned they will soon increase their anti-2nd Amendment attack and prevent me from using my credit in a lawful purchase of firearms or gun related accessories or question my ownership of firearms when seeking a home or automobile loan. As a BofA customer and an average American that will need credit on and off throughout my life I am deeply concerned banks and antigun advocacy groups will collude to deny needed services in an effort to dictate social policy. Its appalling that lawful citizens and businesses are treated this way after bailing out these financial institutions with billons in taxpayer dollars. BofAs new firearm policy infringes and discriminates against an individuals Second Amendment rights and should not be tolerated by our government. When private businesses replace legislators and policymakers and attempt to manage social policy by limiting access to credit they should be held accountable for their antigun discrimination.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$1200.00} / XX/XX/2022 XXXX XXXX {$150.00} / XX/XX/2022
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (SC)

In early XXXX, 2020, I tried to access my Coinbase trading account on-line. I had lost my mobile security authenticator application and was denied access to my Coinbase account until I re-verified my identity. Over the next few weeks I tried unsuccessfully to verify my identity using their on-line instructions and program. I tried several times to contact their support personnel but the only answer I received was to " try again '' and to use their on-line trouble shooting information. Their instructions made it necessary to have a web camera to take a personal picture. I had to buy a web camera and again tried to follow their instructions. Whatever I tried never worked and I have not been able to access my trading account. On XX/XX/2020, I sent a letter to Coinbase asking for their assistance XXXX letter attached ). I have not yet received any response from them. I continue to be unsuccessful in satisfying their requirements to reestablish my identity using their on-line information and, continue to get no help from them.I tried again several times today ( XX/XX/2020 ) with no success. 
I have no idea what else I may do to access my trading account and I continue to get no help from Coinbase in my situation. I am asking for your intervention to get support from Coinbase to access my assets. Thank you,