davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (AL)

Hi! My husband and I purchased a home in XX/XX/2020. We filed for homestead with our county tax accessor and learned that, due to my husband 's XXXX status, we are 100 % property tax exempt. We promptly sent this information on XX/XX/2020 ( and all requested forms ) to our mortgage provider ( Ameris Bank ) and after numerous calls ( 1-2 calls per month since XXXX XXXX, and speaking with numerous supervisors ( two separate supervisors in XXXX and XXXX XXXX, we have still not received an updated payment amount or the escrow refund that we were advised was due to us. Each call results in a " we are still researching '' and a different date the issue should be resolved. Again, this has gone on since XXXX and I do not know what else I can do at this point. I do not have the funds to hire an attorney at this time so any help would be appreciated! Thank you!
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I applied for a credit card with CitiBank on XX/XX/XXXX. The representative informed me that my application was denied due to too many recent credit inquiries recorded on my XXXX credit bureau report. 
I knew that this was completely erroneous, and that I was unreasonably and immorally denied ; so, I re-checked my XXXX account for status on inquiries and also called XXXX customer service center for clarification. 
Both methods proved there has been a total of only three inquiries in the entire year of XXXX and only one inquiry in XXXX : Two onXXXX One on XX/XX/XXXX One on XX/XX/XXXX After checking these, I called back to CitiBank and spoke to a representative in the applications department to explain that my application had been denied in error with reason being too many recent credit inquiries. His response was If you were denied, there is nothing that I can not do if you do not have an open account. I asked to speak with a supervisor. He placed me on hold and left me there. I held the phone and finally hung up after about 15 minutes. No one from Citibank even attempted to resolve the issue.
Consumer complaint received 2022-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc (IL)

MCA management company is contacting about a balance from XXXX XXXX. This amount was paid by my insurance XXXX XXXX. The balance they are attempting to collect is the amount that XXXX XXXX discounts for XXXX XXXX being a participating provider. 

I have called ( don't have record of date ) XXXX XXXX when I received the first bill and sent them a letter on XX/XX/2022. After receiving the collection notice from XXXX, I sent an online email on XX/XX/2022 and mailed the same text and documents to them on that date. I have had no response and received another collection notice. 

I have attached all information, including my letters/email sent and the explanation of benefits from XXXX XXXX  showing I do not owe this amount.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-09-04
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: Santander Consumer USA Holdings Inc. (AR)

XXXX XXXX you are in violation of XXXX XXXX XXXX due to not VALIDATING THE ALLEGED DEBT. 
XXXX XXXX  I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against US Bank for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

US Bank did not provide any answers. It is more than 60 days. 

US Bank even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

US Bank is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.
Consumer complaint received 2024-01-26
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

PayPal has been letting fraud happen on my account for months now. I have called several times about this problem. I had over XXXX  in stolen funds from my account. They have yet to return my money. My device was lost and I told them about it and no fix. They lied on multiple occasions about filing my claims. This happened since XX/XX/XXXX. PayPal has no real interest in helping you keep you account secure. They will let fraud persist and then say they don't see how the fraud. This is ridiculous. My account is compromised and they refuse to honor the return of my funds.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NJ)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap The company charged me for {$190.00} for a collection from XXXX. 
But I have no active services at present or in the past. 
CREDIT COLLECTION SERVICE Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a XXXX round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all three credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (AP)

I paid {$1.00} in XXXX for a credit check, and missed their fine print about the additional {$21.00} they planned to charge me after a " trial period ''. It was in very tiny letters at the bottom of the screen, and it 's very clear they have purposefully made the checkout process look different to confuse the consumer.
Consumer complaint received 2016-09-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has intentionally and repeatedly misrepresented to me that the XXXX XXXX, 2013 SPOC, XXXX XXXX, issued denial letter was a MHA HAMP ineligibility denial based on an appeal review completed by the Bank of America Appeals Department. It is not. However, there are two Bank of America Appeals Department determination letters of XXXX XXXX, 2013 related to an unspecified proprietary home loan mortgage account mmodification issued by XXXX XXXX. 
Bank of America continues to engage in behavior indicative of a breach of the covenant of good faith and fair dealing related to a home loan mortgage account and a borrower pending in the loss mitigation processes.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A collection company has put an adverse account on my TransUnion Credit report. The collection agency would not help me to resolve this account ( as it was paid in full directly to the provider back in XXXX XX/XX/2011 ). I submitted all necessary information for TransUnion to directly contact the provider who can show full payment on this account. TransUnion will only contact the collection agency to verify accuracy of the adverse account ; which they continue to say is accurate. The other XXXX credit agencies have removed this account from my report. I am at an impasse on this issue.
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (IL)

This law firm is attempting to collect on a Tax debt that has been " Closed by the Federal Government '' I 've attached a document that indicates this. I 'm tired of receiving letters from them. I 've sent them proof of this but they continue to harass me. Please find the document which backs up my claim.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

At some point towards XX/XX/2016, Bank of America claims to have sent me a letter requesting additional account information. This letter was sent without any proof of having been sent or received. Upon " not hearing from me '', they closed my credit card account, and took my XXXX rewards points ( worth roughly {$250.00} ) Although this bank has my email address, phone number, and an alerts section on their website, they used none of these methods to contact me. My statements also have no mention of this letter, or afterwards, the account having been closed. Note that I was a cardholder for 12 years, with an excellent credit rating, and an account in good standing. 
This has the potential to affect my credit rating as it reduces my available credit, closes a line of credit, and I 'll need to open a new credit card account as well. I tried calling to resolve the issue but they would let me neither reopen the account nor reinstate my reward points.
Consumer complaint received 2024-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Okay so I was involved in what I thought was a XXXX with a XXXX He met me in XXXX in XXXX in XXXX. I thought it was random but at the time I just got out an another XXXX with a person who I also believe scammed me. Im starting to now realize if a XXXX asks me to send money overseas to leave that so called XXXX. Fast forward to XX/XX/2023 he started asking me to send money to his XXXX through XXXX because his XXXX used all the money for his XXXX XXXX XXXX and hes away in the XXXX so he cant use his card where he is he is in another country. Which didnt make sense to me because I still used my card when traveling out of state. Fast forward he started asking me to send money often from XXXX - XXXX and if I can calculate Ive sent close to XXXX in total. Last month he tried to and me for money again. This time he said he traveled to XXXX when he came back for on duty in the XXXX. He said he used all his money he sent with him to XXXX to finish some building he had being built in XXXX. I didnt give him money this time through XXXX XXXX because at that point I realized he could be scamming. So I kept asking for my money back and he said relax he will give it back XX/XX/XXXX of this year and he never did. He blocked me days. Before the XXXX and that when I noticed this person was a scammer
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

I signed up for direct deposit with Chime and was referred by a friend they were supposed to get {$100.00}. I was supposed to get {$100.00} but they didnt tell me until like 30 days later that it had to be done within 45 days or I wouldnt get the referral. I get Social Security. You only get a check every 30 days, they say that it takes at least two cycles before you get the deposit so I got my deposit for the first time in 60 days. I have screenshots of talking with the person on chat that they would make an exception and I would get the XXXX dollars and so would my friend and now theyre saying no this is definitely a bait and switch, scam or whatever you want to call it. Customer service people have such a thick accent because they are not from here. You cant understand anything theyre saying and theyre very condescending. Whatever you do do not use Chime this is fair warning they will scam you
Consumer complaint received 2016-05-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

To Whom It May Concern : I am writing this letter to complain how Wells Fargo Loss Mitigation Department displayed unfair and deceptive practices by auctioning off our home that we have been at for 14 years on XXXX XXXX, XXXX. Without any notices, we then became a statistic as one of the millions of struggling homeowners in America who this has happened to also. Unfortunately, due to the economic downfall and lack of employment in XXXX, we found ourselves unable to pay our mortgage that just got too unaffordable to manage. 
Sadly, in the end, Wells Fargo loss mitigation representative that was assigned to our loan case would ignore all phone calls/emails and our request to be analyzed for a second loan modification loan that I know we were entitled to receive as struggling homeowners. 

We did not get a chance to fight back. We tried to get help in XXXX and no attorney would look at our case without upfront money first from us and we just did not have that extra cash. We are still in our home currently today but not as owners but as renters. The realtors who purchased our home at auction was nice enough to let us remain in our home. We today have had no choice to pay increased monthly rent just to stay within the same school district for my XXXX boys. 

I have all documents starting from our first loan modification loan with Wells Fargo and can show any attorney or whoever will help us to get back what is rightfully ours. 

Please do not hesitate to ask us any questions and we pray that you will consider us for this house that we love. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-09-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I am a Wells Fargo Bank customer since XXXX, I hold two accounts with them ( checking and savings ), this year I received a letter dated XX/XX/XXXX indicating that I need to provide explanation about an inconsistency between my passport and citizenship in order to avoid closure on the accounts. I am a XXXX  citizen and a U.S. Legal Permanent Resident with legal domicile in the U.S. ; My passport clearly states that I am XXXX, by mistake Wells Fargo enters my citizenship in their system as U.S. Citizen and that generates the inconsistency. 

On XX/XX/XXXX, I approach my branch in order to sort the issue by presenting all the required documents, the banks representative XXXX XXXX XXXX updates the information and assures that everything has been clarified and proceeds to issue a written conformity of my visit that day. 

On XX/XX/XXXX Wells Fargo closes both of my accounts based on a non-compliance on their customer ID policy ( CIP ) and leaves me without access to the only money I have. I do not have credit cards nor accounts with other banks. I am currently unemployed and the only source of income is the savings that I have on both accounts. 
On XX/XX/XXXX I approach my branch to request explanation and the branch XXXX XXXX XXXX XXXX recognizes bank error due to the fact that I was able to clarify the issue back on XX/XX/XXXX. 

Immediately, another bank representative, XXXX XXXX XXXX issues a request to reopen both accounts and provides me with a personalized letter indicating that the accounts were closed by the bank in order to present to my creditors ( landlord and other bills ). The branch XXXX, XXXX XXXX orders to open a complaint case on my behalf that reaches their resolution department on XX/XX/XXXX. 

The case reaches bank XXXX XXXX XXXX XXXX in the resolution department, he communicates that it can take up to 10 business days or more to investigate my case, later and after several calls from the branch Manager trying to expedite the resolution. 
On XX/XX/XXXX, my case is transferred to XXXX XXXX XXXX a resolution department XXXX, she indicates through email that my case will be resolved by XX/XX/XXXX.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wachovia closed my checking account and issued me a cashier 's check for the balance left in my account just before their merger with Wells Fargo so when I tried to deposit the funds into my Wells Fargo account the checked was returned and when I checked with Florida state to see if the funds were escheated to the state nothing is listed these funds belong to me and Wells Fargo is refusing to honor the check
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Someone opened several bank accounts ( checking and savings accounts ) in my name without permission. These accounts were supposedly opened online according to Wells Fargo, XXXX, XXXX, and XXXX. Someone obviously stole my identity ( SS #, name, DOB, etc ) and opened these accounts. I then had to call all the banks and cancel these accounts, put a credit stop with the XXXX credit agencies as well as fraud alerts and go to the local branches of Wells Fargo and XXXX in order to close these accounts and prove that I had been a victim of identity theft. What I do n't understand is how anyone can just open accounts in my name online, but I have to actually go to a local branch in order to close them???!!!!! What XXXX kind of stupid system do these banks have??!!
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

During t he past three years Chase has charged my account with excessive overdraft fees. These fees are illegal penalties under contract law. Restatement ( Second ) of Contracts 356 ( 1 ). Many banks have been sued for these illegal charges. The fees bear no relationship to actual costs incurred by the bank and are thus illegal penalties under the Restatement of Contract.
Consumer complaint received 2015-09-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (PA)

Paypal has restricted my account, preventing me from making any changes to the account or even closing the account, and preventing any transactions on the account, until I provide a copy of my photo drivers license and recent utility bill. Paypal has refused my verbal and written requests to provide their information security policy and procedures for my review so I can determine if they can be trusted to protect my personal identifying information from hackers or others intruders into their systems.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit reports.
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened