davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

On XXXX/XXXX/2016, I received a couple of calls requesting call back from Navient ( XXXX XXXX ). My student loans are being handled by XXXX XXXX XXXX who pays Navient. My account is being drafted on a timely basis every month in order to have the student loan paid on a timely basis every month. On XXXX/XXXX/2016 I received another voice mail from Navient and I returned their call. They informed me that payment had not been done for XXXX 2016 and the amount of {$360.00} was still owed. They wanted to place my account in forbearance which means that I would be charged added interest and fees. I refused because account is being drafted on a timely basis. Most importantly, the check was sent to Navient who then applied it to the wrong account. I left email for XXXX XXXX XXXX on this matter. I contacted XXXX and Navient a number of times and they have informed me the following : XXXX XXXX reported that they were working on this matter and had spoken to Navient ( supervisors ) and were informed by these supervisors that the check that was received was applied to a wrong account. Navient agreed to back date check to XXXX/XXXX/2016. Navient continues to call me stating that they need payment and informed me that XXXX XXXX XXXX had sent the check to the wrong address. I explained to Navient what XXXX XXXX explained to me but Navient reported that their system is only showing that the check is going to be returned to XXXX. Navient continues to leave me voice mails either by a live person to return their calls immediately or by their automated system. In the time that I have had my student loans I have never had any problems with timely payments. This matter needs to be rectified as soon as possible. I am not happy with Navient and their tactics.
Consumer complaint received 2018-02-22
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. (TX)

In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
Consumer complaint received 2021-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

On my XXXX and XXXX credit report an unknown Company and account shows up named PORTFOLIO RECOVERY ASSOCIATES account # XXXX I have never had any Business with this Company, I have never signed an agreement with this Company I have never signed a contract with this Company After searching on the CFPB Database I have noticed that PORTFOLIO RECOVERY ASSOCIATES HAS ALMOST XXXX Customer complaints!!!
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VERITAS FUNDING, LLC (ID)

I received a written letter and it " appeared '' to be from XXXX XXXX my existing lender, stating that i had available funds in my account. It seemed like there was a escrow balance available to me for {$3200.00} ( titled available funds ). After following up on it, it was actually a solicitation from another bank altogether called Veritas Funding. This is clearly disceptive marketing practices to lure an uninformed borrower and it needs to be stopped immediately.
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (MI)

I applied for a mortgage with Ally Financial, powered by better, in XX/XX/2022, the account was taken over by them after I had gone through a long process with XXXX Mortgage. After processing information request by Ally Financial, powered by better I was told I was going to close on XX/XX/2022, I requested vacation time but was told the closing would not happen on that date and extended it out until XX/XX/2022, but I would have to lock in the rate at {$30.00} per day, in order to continue with the process. I continue working with Ally Financial, powered by better because I had a good credit score. But in XXXX I found out that my credit score had dropped XXXX points and now I am in the high risk and would have to clear out my credit cards, along with bring more money to close. After the continuous change in the dates that owner decide to more on with the process. I signed the mutual release on XX/XX/2022, and received a denial from the mortgage company on the XX/XX/2022.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Glass Mountain Capital, LLC (CA)

No communication with me ( alleged debtor ) Company acquired my work contact illegally.

Contact has nothing to do with any financial contracts, they are a work colleague.

Company keeps calling my contact and leaving voicemails for me. 
If I call that number they will report the debt to reporting agency and state that I called them confirming acknowledgement when I was only trying to call them to stop them harassing my contact.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I used PayPal service app for 5 months straight and have had around 500 pounds in my account when they suddenly decided to delete my account for absolute no reason. I was begging them to let me know why or how it can be fixed but there was absolutely no response from the support team.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am Attaching several documents for proof I was scammed by a fake/ fraud/ illegal online company that stole {$390.00} out of my Edd account. Your dispute resolution team In XXXX arizona failed to look at the documents in full. 
I am demanding my dispute be reopened and resolved in my favor. Im even attaching document proof that XXXX is NOT a real company. I contacted the address of the office building where this company is located and the building manager said there is no such company named XXXX here. You owe me my {$390.00} back for dispute number XXXX
Consumer complaint received 2020-04-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (FL)

I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no XXXX can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Subject : PPP application not been reviewed by Bank of America I filed for Paycheck Protection Program around XX/XX/2020 and Bank of America ( SBA Lender ) didnt review my documents until XX/XX/2020. By this time SBA has stopped accepting PPP applications for approval. On XX/XX/2020, I was informed that my documents were not complete. As of today it has been a week and my documents have still not reviewed. Bank of America is running out the clock for second time on my PPP application. 

Request Kindly assist in compliance with CARES ACT and review the documents for submission to SBA for approval.
Consumer complaint received 2023-02-07
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. (MD)

loan is mine the late payments are inaccurate and this is a violation of 15 us code 1681i 5 removal of inaccurate/invalidated credit information please remove immediately as its reporting on all 3 angencies inaccorate
Consumer complaint received 2020-07-15
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I went to cash/deposit a XXXX XXXX XXXX XXXX XXXX XXXX check issued on a Wells Fargo account and I was told by my banking institution and subsequently by Wells Fargo Bank that it could not be cashed because it was for an estate account and those accounts are usually for deceased persons. 

So, called the XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inquire why XXXX  years in a row I have been sent refund checks that are made payable to the " Estate of XXXX XXXX XXXX ''. I was told because someone checked a " deceased '' box. I fully addressed with the XXXXXXXX XXXX XXXX XXXX XXXX  XXXX that they should have looked into the matter last year when I signed a refund check from them for $ XXXX after they paid XXXX & XXXX XXXX XXXX VA for delinquent taxes that I didn't owe for a car that wasn't in my possession. Then I signed and mailed in my tax return this year for a refund that was supposed to be direct deposit. I inquired as to why it would be acceptable for a box to be checked for a deceased person with no valid death certificate on file and I also asked Wells Fargo why don't they fingerprint to cash checks anymore. The XXXX XXXX XXXX XXXX XXXX  XXXX denied having a valid death certificate and could not see in their system who was marking it. So, I guess if the deceased marked person hadn't paid taxes this year, XXXX XXXX XXXX XXXX, VA would have been allowed to collect for XXXX taxes and get paid the refund issued to XXXX XXXX XXXX again this year. Then they ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX want a phone number to carry on a conversation like they have known me for years. No phone number provided. Contact may be by mail or email. 

Therefore, there is nothing further I can do regarding this matter other than to report it. I don't work for either incompetent institution, the XXXX XXXX XXXX XXXX XXXX XXXXXXXX or banking institution Welss Fargo or others identified.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a fraud claim with Bank of America that has been in a pending status since XX/XX/2022. The time frame for resolution provided to me was 60 business days. At this point it is well past that time. I have attempted to resolve this delay with the bank, however the XXXX complaints I have filed about this unresolved claim have had no effect. I am only told that it is still under investigation. I have had claim added to their Tracker which is supposed to escalate to a supervisor if a claim is not resolved in the time frame. This action has also beared no fruit. I feel the resolution department is retaliating against me for continuing to request reconsideration of this claim, after repeated denials. The bank has written proof of my incarceration from the Superior Court of XXXX. And still refuses to return these funds claiming that I was the one to initiate the transactions. I filed a complaint with your office on that issue which did no good the bank still refuses to return those funds. So I ave no recourse but to file a law suit against them for negligent and improper handling of my claim. Maybe you can get them to finally resolve this claim in the correct way.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX a Bank of America imposter called and tricked me into believing it was the bank calling, and claimed someone was taking money out of my account. The person persuaded me to send money ( XXXX $ ) through XXXX to a safe account in my name. I found out later that the money actually went to the scammer. Bank of America denied my claim for a refund even though i was tricked into sending the money to a scammer. 
Since I didnt authorize the money going to a scammer and since I was tricked into releasing it, the transfer should be covered under Regulation E. The bank has refused to explain why it will not refund the money even though my money was taken by an imposter. The bank also did nothing to try to get my money back even though it was reported to the bank right away.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MA)

I am trying to rollover my Wells Fargo 401k to my existing XXXX XXXX rollover IRA. It is impossible to engage Wells Fargo Bank in any way to initiate this. They do not include adequate rollover information on their website. I am calling their Retirement Center now for the third time and have been on hold for over 3 hours. I have {$250000.00} languishing in the Wells Fargo account and have been unable for more than a month to initiate a transfer of funds. Today 's date is XX/XX/2020. 

There is more. It has taken me over two years to complete the QDRO process with this 401k with Wells Fargo because of their incompetence. I needed to follow up with them countless times to track progress and push them to complete the process. The final insult is that they made an egregious mistake with my last name, using my ex-spouse 's last name rather than mine, despite clear directions in the QDRO court-order. They denied access to my account for months because of their naming mistake. They also directed me to initiate a " name change request '' through their bureaucracy to correct a mistake they made. They only corrected the mistake when I finally threatened legal action. 

And now I can not access my funds of {$250000.00} as I wait for hours on their phone queue. And there is no rollover information on their website to get started. 

CFPB - Please address these matters with them and please help me to get my money. I need it badly and Wells Fargo Bank refuses to allow me access to the primary source of my net worth.
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/21, I purchased a storage bench from a company named XXXX. I never received a confirmation for the product that I was purchasing. I also never realized my payment was going to a person and not a company. So, I tried to call the number on the website- the number does not go through, also tried to email, came back as undeliverable. I believe this site is a SCAM. I would like my money returned. Please advise, XXXX XXXX - XXXX - XXXX. The website contact info : Email : XXXX  Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX United States I reported the transaction to PayPal and they did not refund me because XXXX XXXX got his money, but I did not get my product, I got RIPPED off!! The reason I use PayPal is because I feel that they should check out the companies that are using their name as a way to pay. 

Please help! 

XXXX XXXX XXXX
Consumer complaint received 2020-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

Midland Mortgage is engaging in fraudulent activities concerning escrow and principal. Midland mortgage will not change payments when it is a lower amount. Midland will adjust other payments such as principle to balance out the overage that is owed to the consumer. They mislead with charges of inaccurate charges of escrow balances for insurance. Midland never refund any excess money owed to consumer as they increase other amounts. They have held my funds stating that my insurance was higher when in fact I requested a recalculation of my taxes 6 months earlier. Which was never done after several attempts to have them recalculate to an lower amount then what was owed. I am asking that midland mortgage practices is looked at and all funds is applied to my mortgage.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-09-10
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. (NY)

I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Consumer complaint received 2018-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Navient keeps calling and sending letters and bills but I have paperwork that shows my bill paid I had a loan through XXXX. I provided this info to the credit bureau and they removed it from one but not the others and they continue to call.

I sent them a certified letter requesting information as to why they feel I owe them and requested that they no longer call my phone but they never replied.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (GA)

Experian has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Experian is furnishing accounts to my consumer report that is a violation of this section. Experian has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Experian has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Experian has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.