davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

My mortgage account is currently in bankruptcy. Approximately around XXXX 2015 I submitted complaints to both the CFPB and XXXX in reference to SunTrust charging me {$1700.00} in fees. I was not notified of the fees and SunTrust also gave their lawyers inaccurate account information that led to a foreclosure process. In XXXX I received a letter advising that {$110.00} in fees was valid and the difference was credited. I called SunTrust to verify the amount I needed to pay for my Mortgage since there was going to be a scheduled change in the amount. Since I was advised my account was current, I was able to speak to a regular agent instead of being transferred to the Bankruptcy team. I also inquired about the fees owed. The agent advised me it was {$20.00}. I made sure to reaffirm the amount. I went into the branch and made my regular payment in addition to the {$20.00} in fees ( XXXX 2015 pymt ). In XXXX 2015 I received a letter advising that SunTrust filed post-petition fees in XXXX 2015 with the Bankruptcy courts in the amount of {$120.00}. This was the first time I have seen this document. Why was this amount not discovered during the four weeks of investigation on my account in XXXX 2015? Is the {$120.00} in addition to {$110.00} I owe? I hope this is another misunderstanding. I need to know EXACTLY what is owed in fees. So far I have been given various amounts from SunTrust ( {$110.00}, {$20.00} and now {$120.00} ). Also I called again just last weekend and your XXXX now has my account as past due. Please also note that due to my account being current I was denied a loan modification earlier this year. These conflicting status and amounts on my account is unacceptable and needs to be addressed. The inconsistencies make it quite hard to trust that all the departments are sharing appropriate information to manage this account. I hope this would be my last complaint and I would be able to get my account straighten out. I have attached a copy of response from the first compliant and the post-petition notice for your review. I should not have to spend this much time on this issue..
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX acc # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 603 ( 2 ) i : States a costumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instruction. 15 U.S.C. 1681e ( b ) states reporting agency shall follow reasonable procedures to assure maximum possible accuracy.
Consumer complaint received 2022-02-23
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: WELLS FARGO & COMPANY (NV)

On XXXX we were camping at a lake near our home when I received a phone call from a person who stated he was from Well Fargo credit card services. He stated that there was a suspicious activity on my credit card. He asked if I had made a {$1400.00} purchase that morning. I told him I had not. He stated that my account had been hacked and my card needed to be disabled. He said he would text me a 6 digit code to confirm my idenity., I told him I would need to hang my cell in order to retrieve the text. He said he would call back once I had the text. I hung up and looked at the text and wrote down the 6 digit. While I was waiting the call back, I redialed the phone number he had called on and got the Wells Fargo recorded menu. While I was scrolling through the menu to get customer service, I saw the person calling. So I answered the phone and gave him the 6 digit code number, He told me my card was now disabled and a new card would be issued and sent fedx over night to home. 
When we returned home the morning on XX/XX/XXXX I logged in to my Wells Fargo account and saw that there was a {$7100.00} charge on my account that I didn't make. I immediately called Wells Fargo and reported the fraudulent charge. I also filed a report with county police dept. Wells Fargo opened a Fraud claim. On XX/XX/XXXX Wells Fargo denied my claim and said that I authorized the card. On XX/XX/XXXX Called Wells Fargo and appealed their decision. They reopened the claim and I am now waited their decision. I did not make this charge and I told them so. I will continue to fight them on this, if they continue to deny my claim. 

.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received your letter dated XX/XX/2022 stating that {$27000.00} was returned to XXXX on XX/XX/2022. XXXX claims they did not receive the funds, and they requested a " trace '' number. Your letter dated XX/XX/2022 also provides your direct contact info ( XXXX ). 

I have attempted to reach " XXXX '' at the number and extension listed in the letter, and there is no XXXX. I have called at least 15 times and left numerous voices messages. " XXXX '' has not returned my call. 

Prior to filing complaint ID XXXX, I had spoken with Capital One at least 10-15 times, and logged more than 10 hours of hold time. In addition, XXXX XXXX, of the XXXX, CT police dept, spent numerous hours on hold, and spoke with Capital One many times. During all of those conversations Capital One refused to return the stolen funds, or provide any timeframe when you would return the stolen funds. 

It's has become obvious that you only respond and take appropriate action when the communication is facilitated through the CFPB. 

If the funds were actually transferred back to XXXX, I need the trace number for the transaction!!!!!!!!
Consumer complaint received 2022-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022, I spoke with " XXXX '' through the XXXX XXXX about purchasing an indoor rower that he posted for sale. The rower was priced at {$410.00}. According to the XXXX XXXX, shipping would cost {$14.00}. " XXXX '' let me know that XXXX would not ship items over 20lbs and that the rower was well over 100lbs. He said that he would ship it to me personally and that shipping from XXXX ( where he was located ) would cost {$110.00}. The total cost of the rower would then be {$520.00}. 

Since XXXX would not allow the shipping of products over 20lbs, he told me that XXXX would not allow him to accept my offer. He asked to me to use a different form of payment, outside of the XXXX XXXX. He suggested using XXXX. He sent me his wife 's XXXX  info which was : XXXX XXXX ; XXXX and requested I send him a screen shot after payment to confirm that I paid, which would then allow him to ship the rower. I paid him through XXXX in the amount of XXXX on XX/XX/2022 around XXXX XXXX. EST. 

Within a few hours ( XXXX EST ), I looked at XXXX again and noticed the same exact pictures of the rower I had just purchased from XXXX, but listed under a different name, " XXXX '', and coming from Colorado. I immediately called my bank, Wells Fargo, and reported the fraudulent purchase. Although when I XXXX the money, a note at the bottom said that the money would not be available to XXXX XXXX until the next business day, Wells Fargo told me there was no further action they could take since I already submitted the money. 

After noticing the double post of the rower, I reached out to " XXXX '' numerous times at cell phone number 1 ( XXXX ) XXXX, which was the number through which we had been communicating. He ensured me that this was not a scam. I continued to text him and request a refund but never heard from him again and needless to say, never received the indoor rower that I paid for. 

I since reported this user and the user of the secondary post to XXXX and blocked them from the app. I reached out to Wells Fargo again and finally received a letter dated XX/XX/2022 that they determined that this payment was processed as requested and that they were unable to stop or reverse the funds and subsequently closed the claim.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Please see your complaint number # XXXX The issue is with XXXX. For over 2 years, multiple letters and complaints including yours have been ignored. They have been incompetent and negligent by failing to respond to their error.

There is no no issue with my creditors. They keep asking for a specific creditor that I am having trouble with but I dont have any creditor issues.

They will not LOOK AT THE COMPLAINT with any senior / experienced executive. I have NO problem with the other credit bureaus. 

I have over a 45 year credit history and yet they have not updated my report. 

They say : NO open accounts NO open real estate account No open bankcards or credit cars NO RECENT REPORTED ACCOUNT INFORMATION FOR OVER 2 YEARS. They keep responding that everything is ok but the problem is their portal THEY NEED TO CORRECT THEIR COMPUTER GENERATED ERROR.. 
They obviously ignore complaints or letters including from the federal government.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

My student cash back credit card account was closed today ( XX/XX/2023 ). I called and asked them to explain why because all of my payments have been on time and they me told it is because i could not verify my address. They told me they had called me XXXX XXXX, and XXXX of XXXX and that i did not answer. They said because I did not answer those calls back in XXXX they closed my account today. They said they left me voice mails but I checked my missed calls today and I did not receive any calls from them in XXXX nor did I receive any voicemails ( said they left voicemails ). They did not give me any warning before closing my account and they did not try to reach out to me through email or send me anything in the mail. I asked if they could re open the account since i have no proof they reached out to me and they said they could not.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

I am writing regarding a concerning collection entry I recently discovered on my credit report from your agency. This collection item was previously unknown to me, and I have serious doubts about the validity and accuracy of the debt being claimed. 

Under the Fair Debt Collection Practices Act, I have the lawful right to request that you provide proper validation and verification of this alleged outstanding debt. I am formally invoking that right and demanding you furnish me with the required documentation and evidence proving the debt 's legitimacy. 

You must supply a complete and satisfactory validation response within 15 days of receiving this letter. Failure to do so within the mandated timeframe will be considered a violation, for which I will pursue legal action and seek monetary damages.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (CA)

I just recieved my background check tonight XX/XX/XXXX I simply was applying for a job at XXXX XXXX and just recieved that I'm a XXXX XXXX which is absolutely wrong. Which I wan na dispute and get rid of from my record. I feel that possibly someone is using my social or other information.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/year> we purchased an online ticket was purchased for a show in New York on XX/XX/year>. We were in line to attend and the provider cancelled the performance. They informed us that they will resechdule for the next day, but the venue closed and is no longer available. They didn't provide the service that we pay for. We were also promised a gift card for the value of the ticket for the show that didn't happen, but a gift card was never sent to us. 

I disputed the charge with Citi Cards, but they simply reversed the charge for good reason. In their latest they communication ( attached ) they denied the dispute because we did not provide a valid credit slip, but we were never provided one given that the purchase made online. A receipt has been provided to them, however ( also attached ).
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX ( XXXX XXXX XXXX XXXX ) has obtained my personal information without my authorization. I did not do any type of business with them, and I do not know who they are. they apparently opened an account in my name without my knowledge or consent this is aggravated identity theft. I made a cfpb complaint and they responded saying that it has now been placed in the office of XXXX XXXX XXXX XXXX. I do not authorize them to have my personal information and I do not agree to do business with them.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo closed 13 accounts associated with me and my businesses without providing a reason. I was not engaged in illegal activity, and they did not allege that we were. I have never missed a payment on any debt I owed in the past 20 years and had borrowed and repaid {$300000.00} to the bank without issue. 

The company advertises credit cards rewards for its Active Cash cards. I signed up for the card solely because of the rewards program and their advertising of it. When they closed the accounts on XX/XX/2023, Wells Fargo claimed that they had provided notice that the credit card account would be closed, which is a false statement as they never sent me any letters stating my credit card account would be closed prior to the termination notice. They stated that they were authorized to seize {$200.00} in rewards points that I had lawfully earned, even though they initiated the account closure. 

Wells Fargo 's Cardholder Agreement, which allows them to widely advertise credit cards programs, unilaterally close accounts, and then seize rewards points, is unconscionable. This behavior by the bank is taking advantage of US taxpayers. 

I have contacted Wells Fargo multiple times and do not expect a resolution without litigation, which I will initiate if they report this invalid debt to a credit reporting agency. I am registering this complaint so that the CFPB will publish this information widely so that other consumers aren't deceived by Wells Fargo 's advertising that customers are entitled to use the rewards they earned through their rewards programs. 

I also hope that the CFPB will investigate the false statements made by Wells Fargo 's representatives- where they falsely claimed that I had been provided notice before the credit card account was closed. These statements are recorded on Wells Fargo 's telephone system in calls I made to the Executive Complaints Management Office in XX/XX/2023, and can be subponeaned by the Bureau.
Consumer complaint received 2017-08-29
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: Diversified Consultants, Inc. (AZ)

This item on my Credit Report referred to by the Collection Agency, Diversified Consultants had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc. (NC)

I've told First National Collection Bureau to stop contacting me and that they have the wrong number, but they continue to contact me. After I told them to stop calling they sent me a text stating the man they were trying to reach owed a debt and to reach out to them. I do not owe a debt and don't even know the man they're trying to contact. It's also illegal to share that someone owes a debt with someone other than the person being contacted. So they're not only violating me with repeated communications but his privacy as well.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX  and im not on XXXX XXXX. I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.
Consumer complaint received 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have tried for years to pay this off. They offered me forbearance after forbearance and deferments. Ive had it for XXXX years and still owe more than the original balance due to late fees and interest. The % is over XXXX %. They hiked my monthly payment to over $ XXXX m. They would not work with me. I want to pay it back- but its a steep hill to climb. Is there a way to get them to forgive the interest and late fees?
Consumer complaint received 2018-12-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (IL)

ON XX/XX/18 AT XXXX, I GOT A CALL FROM CREDIT PROTECTION ASSOCIATION . THEY LEFT A MESSAGE WITH THE MINI MIRANDA. I  WORK IN XXXX XXXX AND I KNOW FOR A FACT UNDER FDCPA REGULATIONS, THEY ARE NOT ALLOWED TO LEAVE MESSAGES. I AM NOT DISPUTING THE DEBT, I HAVE ALREADY PAID THE DEBT AND HAVE PROOF.
Consumer complaint received 2019-09-13
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: Experian Information Solutions Inc. (DC)

On XX/XX/2019, I disputed the XXXX with the credit bureaus and requested a method of verification on how they verified the late payments. Now they have added late payments to closed accounts for XX/XX/2019 when these accounts were closed 2 years ago. 

After speaking with XXXX an Experian representative he informed me that no information has to be verified, They just leave it without proper investigation.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage acquired my mortgage loan over a year ago from my previous lender and they failed to pay my hazard insurance despite my faithfully made mortgage payments. My taxes and insurance are impounded from my mortgage. I have had the same hazard insurance for the past three years with two different lenders and had never encountered an issue or non payment until Freedom Mortgage assumed my loan. My hazard insurance policy is now cancelled due to non-payment, despite me informing Freedom Mortgage that they failed to pay it and it was on the verge of cancellation. I have made contact with Freedom Mortgage telephonically 5 times about this issue and each time I spend almost an hour on the phone with them and did not come to a resolution. They informed me that I needed to purchase another hazard insurance or they would purchase one for me at a higher cost, with less coverage than I had before. I have been without hazard insurance for over a month now and supervisor XXXX advised me that Freedom Mortgage secure insurance through their own company and I'm starting to see a pattern here because apparently this happens a lot with this lender. My previously canceled hazard insurance would not accept my business again due to Freedom Mortgage 's incompetence in paying my premiums in accordance with regulations and law. I should not have to pay more than I was paying for due to their negligence, nor should I be subjected to less coverage than I previously had.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

My ppp loan was deposited into my capital one 360 checking account XX/XX/2021, I was able to use some of the funds before they locked my account saying i was using my funds wrong when I was using it how i was told i can use it by my lender its been almost 2 months since my funds been locked with no communication what so ever from capital one i Have submitted enough proof my loan has even been forgiven now by lender, Capital one is asking for more information then i had to provide my lender for my loan that was legally obtained for my business, I will be contacting a attorney