davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo has a HELOC attached to my home at XXXX XXXX XXXX XXXX XXXX, XXXX CO XXXX. The draw period has ended ( 10 Years ) and now Wells Fargo has offered a 30 Year Fixed repayment period at XXXX as of XXXX/XXXX/2016. It turns out that in addition, they charge a per diem rate of XXXX daily on the account as well. This is usurous and I can not afford it and it was misrepresented to me. I was told by customer service as well as letters that I would now be responsible for a monthly fixed payment of {$620.00} per month for 30 years and that would repay the loan in full. I do n't see how this can happen if there is also a monthly accrual of daily interest being collected as well. When asked for a copy of the amended note to the line of credit, I was told no.
Consumer complaint received 2021-01-22
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: CITIBANK, N.A. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (AK)

-Wells Fargo harassed a XXXX and violated both protective orders and his civil rights under the Fair Debt Collection Practices Act -Wells Fargo perpetrated XXXX-fraud and financial exploitation by creating a fraudulent line of credit, charged to a senior without his knowledge, understanding or any benefit to him, and then collected from him on it despite his protests -Wells Fargo showed bad faith, taking from XX/XX/XXXX to XX/XX/XXXX to " investigate '' the elder-fraud, then stated that there was no fraud, then stated there actually was only when told that an advocate would not waive XXXX XXXX legal rights -Wells Fargo has ignored and continues to ignore requests to restore the money it took from a XXXX based on a fraudulent loan that it issued despite written acknowledgement by a Wells Fargo attorney that it is indeed fraudulent
Consumer complaint received 2017-05-01
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. (MD)

I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are requi red to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The credit card company was unable to accept my form of payment. I submitted copies of my bank statements to show proof of funds. I was unable to obtain another method of payment until recently and paid the full amount of the account. I since spoke to an account representative who had no record of receiving my bank statements and the conversation I had with the account representative who stated there would be no issues with credit reporting.
Consumer complaint received 2020-09-11
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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

I have an issue with a collection account on my XXXX credit report. I have contacted the collection called Professional Bureau of Collection of  Maryland and they are rude and unwilling to comply to the FCRA and FDCPA demands I made. I contacted XXXX XXXX and spent over an hour on the phone with being transferred three times to three different people and departments. In explaining the issue and that this debt collector is not only attempting to collect a debt not mine, without FCRA required proof of debt and documentation, it is ALSO over the Texas statute of limitations and is WAY beyond the 4 year mark. The end result of the hour conversation with XXXX XXXX led to me being told this would be electronically sent to the collection and they have up to 30 days to remove it. This is completely unacceptable to me. I would like the CFPB to please prompt XXXX XXXX to correct this error especially since they admit it is violation of my FCRA rights and they are reporting this KNOWING it is XXXX, in violation and damaging my credit. 
I have taken every action I know and refuse to accept that this can not be taken care of immediatly and not in a 30 day period. 
Thank you in advance for your help. If there is anything else I can provide please let me know. I need this off my credit immediately please.
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I am the victim of " XXXX Financial Abuse '' and I with this application through your Bureau attempting an approach to the XXXX, Wells Fargo Bank , NA, XXXX, TX, of my taken Trust Funds, also houses the account holder, that has possession of estimated amount of {$170000.00}, of our trust money. And want this bank, since it is the 1st party that accepted the deposit, bank to bank or wire transfer, to send it bank to our Trust Holder bank which is XXXX, XXXX, CA.
Consumer complaint received 2015-11-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Absolute Resolutions Corp. (CA)

I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

My XXXX year old son started his first job at XXXX. When he came home from his orientation, he told me that " people from the bank were there and signed him up for an account. '' I was alarmed because he does n't know anything about banking and needs to be guided by an adult in opening and managing an account. Upon reviewing the paperwork, sure enough a Wells Fargo representative signed him and many others up for a checking, savings and visa debit card account with overdraft protection. Upon reviewing Wells Fargo 's website for accounts, teens are not authorized to open an account without a parent co-signer. I went into the Wells Fargo bank where the rep works that signed my son up, and asked them if my son could open an account on his own at XXXX and they said " no not without a parent co-signer. '' I explained that my son was signed up via a XXXX orientation and the rep told me that they routinely partner with XXXX to sign people up for accounts during orientation. I demanded an answer as to how someone opened XXXX accounts and a visa debt card with overdraft protection to a minor who does not know the first thing about opening a bank account, they responded that " their must have been a misunderstanding. '' I am concerned that this expoitation is likely happening to many many other teens who 's parents may not be aware, or may not speak or read XXXX ( in Texas this is very common ).
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Ive been working on improving my credit for months now, and I responded to an opportunity by a credit bureau to get a new card. It said that it would NOT have any effect on my credit, but it DROPPED XXXX points immediately and Im furious. Just yesterday, I was notified that it climbed by XXXX points. After this today, it dropped XXXX and I want to know why. If it can be reversed, Ill take it. Ive done without cards for 9 years, I can continue. I want good credit. I feel like Ive been screwed. Call me or e-mail me with explanations. XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (SC)

American Express turned us over to collection agency after we had been paying them in which they agreed to accept the XXXX a month and accepted the payments. I paid them off on XX/XX/XXXX and they cancelled my account, turned it over to a collection agency and they reported to credit bureau closed and unpaid on XX/XX/XXXX.
Consumer complaint received 2016-10-11
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NAVY FEDERAL CREDIT UNION (NV)

Today I read an article ( XXXX ) describing how NFCU has been accused of misleading debt collection practices, to include threatening debtors with legal action when they had no intention of actually following through with a lawsuit. 

In my case, not only did NFCU send me numerous threats to sue me, but they did so AFTER I sent NFCU written notification to cease all collection communication, as per 15 U.S.C. 1692c. 

I have attached herein copies of all correspondences between NFCU and myself.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NJ)

Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Consumer complaint received 2015-05-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

My husband deposited his XXXX loan check to CHASE BANK on XXXX XXXX, 2015. It was supposed to clear on XXXX XXXX. 
On XXXX XXXX he used his CHASE debit card to pay lunch and it went through. On XXXX XXXX when he paid his lunch, he found out he had no money in the bank. He went to CHASE BANK and was told his account was frozen because of suspicious activity. The XXXX loan check had already cleared according to the company but CHASE bank have and the rest of our money XXXX pay checks and all XXXX frozen. 
CHASE gave him some phone numbers to call since the local CHASE BANK could not deal with the issue but the " persons '' he talked to on the phone could not solve the issue either. You know how long you have to be on line before you reach a person when calling CHASE. And he was passed along from XXXX person to another. 
On XXXX XXXX we received a letter from CHASE dated XXXX XXXX stating that the bank is in the process of closing his account ( authored by XXXX XXXX XXXX. The bank would not even return the money we have already in the account before the XXXX loan check. We were completely crippled since we have our pay checks direct deposited to CHASE BANK. 
Our mortgage is also with CHASE BANK and of course we will be charged late fee for not paying on time. How are we to survive? We also have other bills and basic living commodities that we need money for. 
Is this another tactic, bank mumbo-jumbo to disable the consumer?
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a checking account with chase esponding to an ad that if you deposit a direct deposit into your account they would give you a XXXX dollars bonus. They closed my account after the direct dposit hit giving them a chance to securitize the deposit. Then they denied me my bonus after I met their requirement. I can understand their stipulation of taking the bonus back if I closed the account but not them.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

On XX/XX/XXXX someone claiming to work for Credence Resource Management contacted me claiming that I owed debt to XXXX XXXX XXXX for two mobile phone lines opened in XXXX of XXXX. I did not open any XXXX XXXX XXXX accounts in XXXX, and haven't been an XXXX XXXX XXXX customer of any kind in at least 10 years.

I contacted XXXX XXXX XXXX directly to verify this call because I suspected that it was a scam. CRM did not provide any XXXX XXXX XXXX account number, but they did provide two phone numbers. I provided both phone numbers to the XXXX XXXX XXXX rep and she indicated that both phone numbers belonged to a business account, not a personal account, so that the call could not be legitimate, and must be a scam.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (SC)

I ordered a radar detector from XXXX on XX/XX/2017, received it XX/XX/XXXX. Used it 2 days decided it was junk. Tried to get a RMA, they said they would. They did n't. They wo n't respond to my calls or e-mails ( I 've left over a dozen ) I believe these guys are scam artist and are hoping I will just give up
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I chose no overdraft on my account for a reason when I opened my account but Capital One allowed 2 transactions to go through my account and be paid that were over XXXX a piece on the same day when there was on XXXX dollars in my account instead of sending the payments back so that caused my account to be overdrawn and then on top of that Capital One charged me over XXXX NSF charges when they should not have paid those two checks. My issue is that the bank knowingly allowed these payments because the company who submitted the XXXX checks initially submitted a little over XXXX to the bank and they sent that back then the company split the payments into three checks and the bank accepted XXXX of them when there was not enough money to cover either of them at the time. So, I could n't bring my account current at that time due to other transactions coming out of my account so I paid it off slowly via my direct deposits from work and since it went over 30 days they charged off the account but did not close it because my direct deposits were still going to that account so I finally reached the payoff/charged off amount on XXXX and I am waiting on them to release my account back to full servicing but in the meanwhile, I wanted to send this complaint because had they not accepted those XXXX checks on the same day I would not have been charges so many fees and gone through this ordeal. If there is n't enough money in my account things should not be paid regardless of any other factors because that is for me to straighten out not for my bank to make that decision and then capitalize on it with all those fees. I believe Capital One did this on purpose because the XXXX check that the company submitted on the same day for around XXXX was sent back, all of them should have been sent back period due to the balance in the account.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2021-06-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NOVAD Management Consulting, LLC (VA)

I paid {$9300.00} to Novad on behalf of HUD with cashier check. According to my bank, the check was cashed on XX/XX/2021 but I didnt get proof of payment or release on my house title. I called several times to Novad and emailed to HUD but no response. Novad has been saying someone specialist will call you in 4 business days but no one called me.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is in response to Complaint XXXX and XXXX. Capital One in their response to my complaint agreed to remove references to the accounts which I proved in XXXX XXXX XXXX XXXX to Judge XXXX XXXX were paid in full. To date they have not lived up to their response letter of XXXX XXXX 2015. Both accounts which I proved to be paid in full still appear in my credit report with all XXXX agencies. Capital One after the suit by the law firm of XXXX and XXXX sold the account to XXXX XXXX of XXXX VA. I have not only paid these account in full but proved my claim to a judge how agreed the accounts were paid and XXXX and XXXX withdrew the suit.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MA)

Received a notice from Citi that my credit card account of several years standing was being cancelled due to inactivity.I had not used the card for 3 years. However there was a rewards balance of {$130.00}. When I called the Citi call center to ask about the cancellation, I was told that when the account was closed the rewards balance was cancelled as well. 
While their card agreement allows them to cancel at any time for any reason, or even for no reason at all, I think it is unethical for them to stick the rewards dollars in their pocket. 
I would be curious to know the accumulated amount of rewards they pocketed from inactive cardholders as a result of this kind of action. 
SUMMARY : I understand their right to cancel the account, but feel cheated that they took my rewards without warning. A similar experience with airline miles happens, however it is with warning that miles will be cancelled if no activity took place ( and usually with several notices to the account holder ). I think bank regulators and elected officials should be aware of this self enrichment action on Citi 's part.
Consumer complaint received 2021-04-29
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently opened an XXXX Invest account and I want to link my Capital One checking account for the purposes of funding the investment account. After talking to Capital One support they confirmed that they are currently blocking the connection due to security, even though XXXX likely maintains equal, if not greater security standards than Capital One.
Consumer complaint received 2016-07-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (WA)

On XXXX XXXX 2016 and XXXX XXXX 2016 I sent a certified debt validation letter to Credit Collection Services. They did not respond to either letter and have now violated Federal Law under the Fair Debt Collection Practices Act.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (UT)

Purchased an ebook from a website XXXX. It has a 30 day money back guarantee if we send in an email stating why we wanted the refund. I did send in an email stating why I was unsatisfied within the time frame and the website owner denied us our refund. XXXX XXXX at XXXX claimed that we had to do additional steps that I was not aware of. I was not aware of these additional steps because you can only see them AFTER they have your money. I then went through my mastercard citi bank card and filed a claim. The credit card company did not investigate my information that I sent in. They used the sellers information that was after I had purchased the product. Please advise how I can get my money back as Citi Bank MasterCard did not do a thorough investigation.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

I have submitted a dispute in  XXXX     2016 about  the judgement on my credit report for {$1100.00}. I submitted this request to Equifax. I have recently disputed this on my credit report once again to no avail. The judgement was against my husband and my name was on the lease as well. The debt was discharged in bankruptcy. Therefore we no longer owe this debt.