davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I place a stop payment for an ACH debit for a XXXX XXXX payment through Navy Federal 's website. 
On XX/XX/XXXX, I called Navy Federal to confirm that the stop payment had been received and was told by a representative that the stop payment was being processed. 
On XX/XX/XXXX, the XXXX XXXX purchase was posted to my checking account. I called the same day and requested to have the funds reversed and inquired as to why the stop payment failed. As a result, my payment for the electric bill was returned. I was told that the stop payment possibly failed because I was supposed to submit the request via phone and not online ( this was never told to me by the rep I spoke with on XX/XX/XXXX ). I was emailed a dispute form and the funds were placed back into my account on XX/XX/XXXX. 
On XX/XX/XXXX I called my electric company and paid my bill, but they informed me I had incurred a return fee and was restricted from making any ach payments. The electric company requested a letter from Navy Federal showing that a stop payment was issued and failed, making the payment return.

I called Navy Federal afterwards a requested a letter be emailed to me, so that I could provide it as proof of the failed stop payment. I was told by the rep that they would have to listen to the phone call from XX/XX/XXXX, to verify that I was told the stop payment was being processed and to call back later in the afternoon to follow-up. 
I called back later that afternoon and spoke with XXXX ( supervisor ) and she stated she would pull the call from XX/XX/XXXX herself. She then stated that the call was not recorded and she could not listen. XXXX stated that she would need to have an analyst check to see if the call can be retrieved and she would call me back on XX/XX/XXXX once they have gathered all the information. 
On XX/XX/XXXX, XXXX called and informed me they were able to listen to the XX/XX/XXXX call and because of such, could not send me a letter confirming that a stop payment was placed on XX/XX/XXXX. I told her that as a member of the credit union, I should have access to retrieve a document showing that this stop payment was issued. She informed me that because the call between the rep and I from Navy Federal was not recorded, they could not send me documentation. 

This is an unjust and unfair act, because I ( the consumer, customer, member ) is suffering because of a mistake and fault on Navy Federal 's part.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX XXXX between XXXX and XXXX I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX I went to the ATM to deposit some money into my account to pay my rent I was supposed to deposit XXXX bills but I ended up just grabbing a stack of money and putting that in the ATM After I did that the ATM jammed and never gave me my money back the amount was between XXXX $ - XXXX $ XXXX visited the branch the next day and filed a dispute to get my funds back I was told that my money would guaranteed be put back in my account because the ATM stole my money from me On XXXX I was told that my XXXX claim was denied and that they would be closing my account and that they couldnt find an error I dont understand how they came to that conclusion when I provided them video footage and a picture of the receipt also I was told they would check the atm and get it serviced to figure out the correct amount that was taken from me
Consumer complaint received 2016-10-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

We have never had a Wells Fargo account. 
I received and email from : WeIIsfargo Bank ( address : XXXXXXXXXXXX ) which said someone had unsuccessfully tried to access our account and referred us to : XXXX I am concerned that this may be a phish. 
Submitted FYI.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

To whom it may concern : I need to file a complaint with SPS. The application of the funds received from the Illinois Homeowner Assistance Program was not applied correctly.

Per attached, the property XXXX XXXX XXXX XXXX XXXX, IL received {$11000.00} to be applied to the past due delinquency for the mortgage. XX/XX/XXXX. 

I was notified in XX/XX/XXXX that SPS is trying to collect {$2900.00} of advanced expenses to me as the homeowner even though SPS received the funds from the Illinois Homeowner Assistance Program that covered past due delinquency and all fees included. The {$2900.00} was included in the {$11000.00} from the State of Illinois. 

This discrepancy is causing a lot of confusion and is hurting me as a consumer due to SPS failure to properly apply the funds.

I am requesting a full investigation into what happened to the funds received from the Illinois Homeowner Assistance Fund.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I completed a modification with Wells Fargo, who needed to obtain clear title to finalize the modification. It took around 4 months longer but the modification was completed and Wells presented me with a clear title. Notorized documents from a XXXX XXXX at Wells Fargo and Schedule A of the title. 16 months later I receive foreclosure documents from my condo association for a total of XXXX for XXXX liens dating back to 2011 in which I had no idea. All XXXX liens were invalid and now due to the title company and Wells Fargo I am fighting once again for my home. 
the title company and wells fargo should be held accountable for not finding the liens I now have to pay on top of mortgage an additional XXXX per month for these mistakes and am now falling behind in my mortgage again after taking 6 yeats years to get a modification
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — Store credit 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. (WI)

Purchase date XX/XX/2022 Order # XXXX Total- {$640.00} Purchase date XX/XX/2022 order # XXXX Total- {$760.00} I realized the charges on XX/XX/2022 & reported them immediately ( same day ) I also contacted my local Police department XXXX police department and filed a report. 

XX/XX/XXXX i received notice that they completed their investigation and that it " does not substantiate the claim as unauthorized use '' XX/XX/XXXX I filed an appeal. 

XX/XX/XXXX I received notice that they were permanently billing my account for the totals of {$300.00} for the billing date of XX/XX/2022 and XXXX for the billing date of XX/XX/2022 and that they considered the investigation complete. 

Most of these items were shipped to an address in XXXX XXXX. & none of the charges including some donations XXXX XXXX XXXX 's were made or authorized by Myself.
Consumer complaint received 2017-07-25
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: SYNCHRONY FINANCIAL (OH)

I used to have a WalMart store credit card, issued by Synchrony Bank. I closed that account XX/XX/XXXX and received a confirmation email. I noticed on my XXXX Credit Report ( XX/XX/XXXX ) that the account was reported closed by consumer, but did not see that Synchrony Bank checked my credit report on XX/XX/XXXX. When I checked my XXXX Credit Report on XX/XX/XXXX I noticed that up until XX/XX/XXXX they report the account as ok, and checked my credit report again on XX/XX/XXXX. On XX/XX/XXXX I mailed a written complaint to Synchrony Bank. The Bank responded on XX/XX/XXXX, but no result yet. On XX/XX/XXXX they have sent another letter, asking me for a copy of my credit report. I have mailed that specific page on XX/XX/XXXX. While I am waiting for their response I checked my Credit Report on XX/XX/XXXX and noticed that Sycnhrony Bank has checked my Credit Report again on XX/XX/XXXX, which is before I have sent my first written complaint to them. Therefore they have no legal right to check my Credit Report on the regular basis, or check it at all for that matter. I was willing to wait patiently for the outcome of my complaint, but I have not expected Synchrony Bank to further check my Credit Report after my first letter from XX/XX/XXXX.
My Credit Score on XXXX is currently XXXX points lower than on my other Credit Reports, and that bothers me, although I still have an excellent score.
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

Back in XX/XX/2017 University of XXXX contacted me and we three way called Navient. They helped me get set up on I.B.R. At this time I was told all my loans were covered under this. I even have bills with XXXX balance. But then I go to go back to school and there is a hold on my fasfa. Because navient has sent 2 of my student loans to collection. During this time I am still receiving XXXX  balance due. Because of this hold i am not able to start school.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I submitted a complaint to the CFPB on XX/XX/XXXX and Chase Bank 's response did not at all address my actual complaint. They addressed a previous issue that Chase had over 8 months ago when the bank went to a new online platform. 
The issue I have that is not being addressed at Chase is that there is currently a product defect in Chase 's online banking platform. I deposit my business checks into my XXXX account. When I then go to download the detail of the batch checks deposited ( see attached example ) there are several checks MISSING in the csv report. Back in XXXX and XXXX I spend over 8 hours with Chase representatives ( XXXX XXXX who is no longer with Chase, XXXX XXXX, etc ). No one could figure out why all checks that are deposited are not pulling into the reporting tool that Chase has. The issue is extremely significant and is leading to our business having inaccurate accounting procedures and billing our patients incorrectly. 

I spoke to a woman named XXXX on XX/XX/XXXX who confirmed the product defect and said she was working with the Digital Team to get the problem fixed ASAP. She told me she would follow-up with me by phone on Tuesday XX/XX/XXXX. It is not Friday XXXX and I have left XXXX 2 voicemails and called the executive office with Chase several times with no response. Chase bank continues to misrepresent accurate amounts deposited into my business banking account ending in XXXX.
Consumer complaint received 2021-03-09
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2021-03-09
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: Early Warning Services, LLC (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC (CA)

When my lease was signed for my XXXXXXXX Polestar XXXX XXXX XXXX XXXX XXXX XXXX XXXX Polestar XXXX XXXX XXXX  of the lease states Polestar Is responsible for my maintenance and operational costs. 

In XX/XX/2022 I got a flat tire in XXXX XXXX  I then contacted Polestar Roadside assistance to have my car towed to the Polestar dealership in XXXX to get my tire fixed. Upon my car 's arrival at the dealership, the maintenance supervisor advised me I needed to contact Polestar Financial to get the authorization for payout in order to get my new tire installed.

I then called Polestar Financial and after multiple transfers and supervisors, I was told by the polestar management they would not honor what was agreed to and signed in the auto lease. It's been almost 2 months since I was told they would get back to me with a resolution and every time I call the supervisor just advises me they will call me in 1-2 business days.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''
Consumer complaint received 2019-10-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX, Eperian have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

After filing for modification and the bank denying me and not producing the evidence to back up that I did qualify. I have filed another modification and submitted all documents and pay-stubs, etc. I also make more money than during the modification. My attorney filed the paperwork in XXXX and we still have not got a response from the bank regarding the new modification. Lets see what their reason for denial will be now.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

At the urging of bank and sheriff, i put an id security alert on my 3 credit reports XXXX.That problem has solved itself, after Irma hardship , I need a loan and asked that they be lifted and taken off report, Both XXXX and XXXX did so with security questions a month ago, in 1 minutes time. Experian asked for documents in mail which i hate to send, but did .They wrote back stating not enough, called them asked for security questions, said i failed not true all correct, asked to upload license would not take, blocked me re sent all material to them in mail water bil, license very uncomfortable doing this -will not take off report : when i call they get very testy and frankly harassing .please expedite after 1 month taking off id security alert.I now have 5 hrs online time, filed 3reports and expense over and over ridiculous, I'm XXXX and loan turned down, this is listed as reason?? id security alert on Experian..They are so unpleasant to me, stating again will not accept what i send - resent - answered questions I'm positive were correct ( they have incorrect or something ) but most of all the lack of professionalism- '' You better not be recording this shouted '' please help..I believe nothing they are saying ..nothing thank you XXXX XXXX   XXXX, XX/XX/XXXX last 4- XXXX
Consumer complaint received 2019-10-02
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. (GA)

A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( XXXX # XXXX ). XXXX XXXX, DPT EDXXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Prior Complaint # XXXX was wrongfully closed and closed by the bank by committing Fraud or Fraud In Fact and closed for Nefarious & /or Deceptive Reasons. 

This request is is to Re-open the aforementioned case and add to or supplement the additional crimes and violations contained herewith for a just outcome for the consumer. 

Full copy of the original complaint was attempted to be uploaded but was rejected due to size. If youy need original complaint doc 's advise how to bypass the size block and or another method and i can provide them to you..
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: UBS BANK USA (CA)

I was given a gift card ( probably around XX/XX/XXXX ) for {$20.00}. I looked at it and it says ( on the front of the card ) " VALID THRU XX/XX/XXXX ''. So, I thought this is great, I can use this for an emergency ; and put it in my wallet. 

The other day I came across the card, in my wallet, and decided to verify just how much was on the card. When I put the card number in I found that it had XXXX balance. So I went on line and discovered they had taken {$2.00} out per month for the last 10 months. 

Then, I discovered, on the back of the card, ( in very small letters ) that {$2.00} would be deducted ( as an inactivity fee ) per month after 12 months of inactivity except where prohibited by law. 

I called to complain and was told that they would put in an application to have that reversed. I was told that it would take 24 to 48 hours. After 48 hours I called back and found that the balance was still XXXX. I was asked if I wanted to file a complaint, which I said I would. I was told that someone would call me ( a supervisor ). Again, nothing. 

I believe that I am not an isolated case of this type of consumer theft.