davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo reference number XXXX OnXX/XX/XXXX, I opened a checking account in response to a Wells Fargo promotion for a " XXXX bonus offer. '' The Bonus code was XXXX. The bonus was the reason I opened a checking account with WF. 

The bonus required 1. open a new checking account with a minimum deposit of {$25.00} by XX/XX/XXXX 2. within 60 days of account opening, EITHER make 10 purchases/payments with your Wells Fargo Debit card or .... 

" We [ WF ] will deposit the bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met. '' I met the conditions of the promotion within the time period. After two statement periods, reflecting more than 10 debit purchases, WF refused to honor the bonus. I called WF three times. Each time, WF insisted I needed to make 10 purchases EACH MONTH. Ten/month WAS NOT a condition of bonus offer XXXX. 

OnXX/XX/XXXX I initiated a complaint via phone, ref # XXXX. Rather than the advertised {$100.00} bonus, which was the inducement for my opening an account with WF, I received a {$50.00} cashier 's check..
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XX/XX/2022 Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 To Whom It May Concern : I am writing in regards to my vehicle loan which was purchased by Santander Consumer USA from the original lender, Gateway One XXXX. The communication prior to the sale of the loan from both, Santander Consumer USA and Gateway One XXXX was deficient. In fact, it was non-existent. The only way I knew that the sale had occurred was via a monthly statement I received from Santander Consumer USA, which I originally thought to be fraudulent. 

I called Santander Consumer USA to inquire about the statement and was told that Gateway One XXXX was no longer in business. A representative from Santander Consumer USA helped me set up my account. I was told that the terms & conditions of the loan had not changed, it was still a simple interest loan contract. However, this proved to be a false statement. The previous lender allowed me to make via Automatic Bill Payment, {$700.00} monthly payments. The extra {$16.00} was always applied as a principal-only payment. 

The representative also stated that they were not allowed to withdraw more than the exact amount due each month ( {$680.00} ) if I used the Automatic Bill Payment method. They did say that I could send in a separate check that would be applied to the principal. However, this also proved to be a false statement. I mailed in XXXX checks : # XXXX in the amount of {$50.00} and ; # XXXX in the amount of {$50.00} These checks were to be applied as a principal-only payment yet, both were applied to interest and principal ( see attached statements ). 

In closing, I would like the simple interest loan to be exactly as the original loan agreement I signed at the dealership. I would like any and all over-payments of {$16.00} applied to the principal from the date that Santander Consumer USA assumed the loan. This will be retro-active with interest compounded at the current APR of 6.99 %. Additionally, I would like the original documentation Santander Consumer USA received from Gateway One XXXXl showing the loan amount they sold. Furthermore, I would like the corresponding information from Santander Consumer USA showing the identical loan amount was passed on to the consumer with statements showing the application of funds. Thank you in advance for any help you might be able to offer. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hello, I opened online an platinum checking account with a {$400.00} promotional bonus after certain requirements are met. I have tried for a week to confirm that my account is coded correctly as I have received no confirmation of the {$400.00} bonus is attached to my account. 
1. An online inquiry sent on XX/XX/18 has gone unanswered as of XX/XX/18. 
2. A call to customer service has been met with we do not have that information.

3. A call to web account opening department has been met with we can not see that information.

4. A transfer from # 3 above to the sales department had me transferred back to # 3 above.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KS)

Ongoing issues for a long time. I have chat and spoke with the company, also asked them multiple times to block charges. I have disputed charges and they continue to let someone charge my account.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on  my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2016-03-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (TN)

My doctor signed a form classifying me XXXX incapable of working around XX/XX/XXXX, this is why my job the Veterans Medical Center ( VA ) where I worked retired me and pays me annuity for XXXX incapable of working. Then the same XXXX form was given to the Social Security Administration and social security pays me for being XXXX. I mailed these forms to Department of education and they still took money out of my check 10 years ago. Department of education ask for another form from my doctor and I had my doctor sign the form stating I am permanently XXXX incapable of working and mailed it to them again. I have had XXXX different doctors sign forms for XXXX and I have mailed them in and the department of education still takes money out my check. I am trying to upload you papers. I mailed NELNET hardship forms also and I have emailed NELNET forms signed by my doctor permanently disable as recently signed XX/XX/XXXX. Yet they still take money out of my check. I want all my money back from the last 10 years, I have records of all of it. I mailed the Department of education and NELNET numerous signed doctors forms stating I XXXX, Social Security Administration pays me because I gave them a doctors form stating I am XXXX and the VA pays me a XXXX annuity ( my own job ) and they still take my money.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE FINANCE HAVE CHARGED ME XXXX FOR MY PROPERTY TAXES FOR YEAR XX/XX/XXXX/XX/XX/XXXX AND THEY OPENED AN ESCROW ACCOUNT AND NOW I`M STILL PAYING FOR SOME TAXES I ALREADY PAID THEM ON MY OWN AND I HAVE PROOF OF PAYMENTS, I CALLED THEM MANY, MANY TIMES BUT THEY DID NOT ASSIST ME WITH MY INQUIRES.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX, my credit suddently dropped from the 700 's to barely 600. I pulled a report and found a bad XXXX XXXXXXXX XXXX account that I had never opened. I later found out that I had been listed as a co-buyer for my mother, but never knew of the account, much less signed any paperwork agreeing to be a co-buyer. On XX/XX/XXXX a dispute was filed with XXXX XXXX, the fees were temporarily waived, and my mother was told not to make any payments until resolved. On XX/XX/XXXX, we received an email stating no record could be found with my name, and told that the account was closed as agreed. Account shows as closed, paid as agreed, and balance = {$0.00}. In XX/XX/XXXX, I received a letter from XXXX XXXX and the bureau of their choice stating that account was indeed invalid and that it would be removed from my credit report. However, while the account was closed as detailed above, it was never removed. I have spent the last 2 years as a XXXX XXXX XXXX trying to rebuild my credit. 

On XX/XX/XXXX I received an alert that my credit score had change. I found that it had dropped by nearly 70 points. I pulled a report and found that suddenly, the same account I had issues with in XX/XX/XXXX, that hadn't reported any changes in nearly two years, had reported a balance of {$3900.00}, even though it had been closed with a balance of {$0.00} for the last two years, per the dispute. I began a dispute with XXXX, and upon calling XXXX XXXX, found that none of the three people I spoke with could locate my name or my social on any account in the system, even when given a partial account number. 

This mistake has followed me the last two years, making it difficult to bring my credit back up since the account is still listed on my credit report. I was finally near where I would like to be when this most recent issue was reported ( negative payment as of XX/XX/XXXX ), which has now brought my credit back down, causing me to start completely over.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (MD)

PNC Bank has given information to XXXX XXXX XXXX and XXXX. 

I am not aware of this information I have received nothing from PNC Bank. 

I am unaware of any poor banking habits with this company
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (CA)

calling my phone number about a debt made by the previous owner of the phone number. not my debt. collection agency calling my phone because their records are wrong but they purchased the fraudulent info connected with my phone number from somewhere
Consumer complaint received 2022-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MO)

Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer Donvenmuehle ( XXXXXXXX XXXX  ). This is sent by check every month. Mortgage was transferred to new servicer ( XXXXXXXX XXXX ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. I provided bank statements to XXXXXX/XX/XXXX showing money was drawn from account from Dovenmuehle XX/XX/XXXX. 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. Now XXXX is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. XXXX, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet. This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. Neither Company wants to be held responsible for this seemingly missing money. ~ {$400.00} dollars. XXXX says I need to call Dovenmuele. Dovenmuele says I need to call XXXX, I'm getting the runaround.
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (MO)

I was contacted via mail by Credit Control LLC XX/XX/2021 for payment of an alleged debt. I immediately responded via certified mail asking for them to validate the debt not just by the collection agency standards but in accordance with the FCRA, section 609 ( a ) ( 1 ) ( A ) original documentation & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and 611 ( 5 ) ( A ) they were required to promptly delete all information which can not be verified and they have failed to do so properly but refuse to remove the debt from my credit report, which is illegal and a form of defamation. I've sent them several letters since then asking for proper validation and they only responded once saying the same thing they said in the first letter and sending me blank pages. It has been over 90 days since they have responded to me and according to the FCRA they have 30 days to validate my debt. I never signed any contracts and this is a direct violation of my rights! They have ignored my cease and desist and have demonstrated negligent noncompliance and committed several other FDCPA violations. I've also requested Proof of their right to own/collect this debt, license proof to collect debt in my state, verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor and a printed list guidelines to the FDCPA 15 U.S.C 1692. They have yet to respond to me. I've sent letters every month since XX/XX/2021 and the last letter I received from them was dated XXXX XXXX, they have yet to properly validate the debt or to even respond to me which is technically omission by silence.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

I closed a US bank Cash+ Visa secured card on XX/XX/2022. I was told that I should get back my security deposit in the amount of {$1000.00} within 30days. Then I received a account closure confirmation letter from US Bank, showing the account would be fully closed on XX/XX/2022 and the security deposit will be issued. 
Also, I called again to US Bank to make sure this secured card is now fully closed and the security deposit check should be issued and delivered soon. 

However, as of today XX/XX/2022, I do still see negative balance on my US Bank secured card account, because I had return change deposited back to that card and the security deposit check has not been issued yet.

I dont understand why it should take so long EVEN AFTER it passed more than one billing cycle! Please give my security deposit back.
Consumer complaint received 2018-05-14
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: Santander Consumer USA Holdings Inc. (GA)

I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but XXXX and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX  at the time these accounts were opened. 
I am asking XXXX, XXXX XXXX, and XXXX to please remove this fraudulent account. 
3. XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX Services Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to XXXX  and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account
Consumer complaint received 2022-06-18
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 — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc. (CT)

I spoke to an XXXX dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - Prof Debt Mediation let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted Professional Debt Mediation. Yet, XXXX has not. Also, while on the phone with a supervisor explaining this at XXXX, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I leased a Toyota XXXX in 2012, XX/XX/XXXXI made payments every monthe. In about XXXX of 2012 They lost a cashier check for {$600.00}. This check remained missing until just under XXXX dos they cashed the ck. They however have carried me a a late payee ever since that date with an acruing act and a negative credit score. I hired an atty to pursue this to resolution,, but they continued to refute the payment. I have not received a statement from them for over a yer. I have continued to make my payment of $ XXXX each mo and inclose a note reqauesting a statement. I di get a hold of someone before XXXX of last yr and he said he would get back to me immediately. I have heard nothing. My else is ending next month and I acannot obtain credit to obtain another car with this on my record.I have all the receipts and the return receipts for the mail sent to them. They will not even reslpond to my attys calls or mine. ''they do not even answer my calls. I would like to resolve this matter This company has not made any effort to clear this matter up..It is like they are getting even with me more challenging their bookkeeping. 
XXXX XXXX XXXX XXXX, XXXX. My email is XXXXXXXXXXXX
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WI)

My mortgage loan is currently serviced by Ocwen. Recently they have increased my mortgage payment from {$190.00} to {$880.00} per month. Ocwen claims that the reason for the increase pertains to my escrow account. My yearly taxes are {$2500.00} and home owners insurance is {$600.00}. Therefore my monthly escrow charges should be {$250.00} per month and not {$680.00} per month. On numerous occasions I have requested that Ocwen address the escrow distortion issues via full escrow accounting ledger. Ocwen has refused to comply. Ocwen has recently modified my mortgage loan, but never recorded a permanent loan modification see attached. They have only issued an arbitrary loan modification agreement that lacks interest amortization schedule and truth in lending disclosure ~ see attached. XXXX these disclosures are required per RESPA law. The modification also contains a balloon disclosure of {$43000.00}. Since no specific terms are defined on the principal balance or amortization schedule, I have no idea what amount I am paying over time. Per the attached statement issued by Ocwen, is shows a XXXX waived balance XXXX principal reduction ) of {$22000.00}. However the statement adds the waived amount back into the the total amount due, which distorts the total amount due. Overall I feel cheated on both the principal balance and the escrow account on my mortgage loan. Ocwen has forwarded my file to an attorney 's office, who in turn has issued a notice of default. I do not want to lose my home and I am seeking your assistance on this matter.
Consumer complaint received 2018-05-14
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: CITIZENS FINANCIAL GROUP, INC. (OR)

I have hard inquires I did not authorize one onXX/XX/XXXX from " on site manager '' & two from " citizens bank '' onXX/XX/XXXX & XX/XX/XXXX, these two from citizens bank were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.
Consumer complaint received 2018-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

As of XX/XX/2018 ( 10 mos ) i was suppose to had open up an account with XXXX XXXX XXXX XXXX! I NEVER EVER EVER HAD XXXX XXXX AND I DIDNT EVEN HAVE MY OWN APARTMENT AROUND THIS TIME FOR ME TO HAVE HAD CABLE. this needs to be taken off my credit ASAP IM VERY UPSET BECAUSE THIS IS FRAUDULENT. And is making my credit score poor. The balance is XXXX