davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (IL)

I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (AL)

I called and was told the account would be closed twice. 

I filed a CFPB complaint # XXXX and have not received a response within 60 days. 

I got a statement with a credit balance indicating that the account is still open with a large credit limit for a business that does not exist any longer.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I have a XXXX XXXX 30 year fixed mortgage with 3.5 % interest rate. 
We have paid roughly 10 years on it. 
Wells Fargo home mortgage is the lender. 
We have been verbally, in agreement, with deferral for forbearance as the main option of resolution. Our mortgage was hence put into forbearance since XX/XX/XXXX because, I and my wife lost our jobs in XXXX of XXXX due to covid-19. 
Forbearance ended XX/XX/XXXX. However, during the whole forbearance program with Wells Fargo I paid each month towards escrow, to pay insurance and taxes on our property. That escrow payment, as told to me by Wells Fargo representative has been put into a separate inaccessible account. 
Since XX/XX/XXXX of XXXX I have been reaching out to them to find out what to do and find out what they want me to do. I told them that all along I wanted deferral plan unless a loan modification is better. However, the option they have been continually tried to implement into my mortgage is a loan modification of 40 years, and I rejected that! That would cause unwanted results for me along with doubling their profits! It made me angry! Where in the law does it state that a lender because of covid-19 pandemic, a lender is able to treat forbearance differently and double their profit? They have yet to provide me with that information. 
I paid my first entire monthly mortgage for XX/XX/XXXX on XX/XX/XXXX ; Wells Fargo in turn applied my payment to forbearance of XX/XX/XXXX and not XXXX XXXX. So they have me trapped in double jeopardy. Wells Fargo is now controlling my payments, using it towards forbearance, and preventing me from doing business elsewhere. I have been warned I need to make 3 consecutive payments before I can refinance with another lender. Other Lenders have offered me currently 1.75 % on a 20 year loan where as Wells Fargo is doubling their profits on me! Rates are low, historically low! 
I have had 3 other bad business relations prior to this and they are trying to XXXX me again, I want out! If they arent doing business as others, well its time to move on! The plan is I need to expunge my forbearance by XX/XX/XXXX and get refinanced ASAP! 
The population needs to be made aware of this scam! Please help!
Consumer complaint received 2020-12-03
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)

What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.
Consumer complaint received 2018-03-04
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: Byrider Franchising, LLC (TX)

I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in XX/XX/2017.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

We have submitted documents to have our PMI private mortgage insurance removed several time. We received a appraisal for XXXX and exact same and even smaller homes sell for {$430000.00}. This difference caused us to keep paying PMI when it should have been deleted. I've called several times with no response and no follow up or return call or letter. This must be stopped. It's a money making scheme and they more the bar everytime to qualify. I have prove of the home sells.
Consumer complaint received 2018-07-27
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. (AZ)

I have disputed several false credit inquiries to Transunion. I also called the companies to remove the false information. Transunion continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.
Consumer complaint received 2018-07-02
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a letter to the Portfolio Recovery Associates on XX/XX/2018 requesting that they validate, NOT verify, a debt that they are reporting on my credit file. I, then wrote XXXX   and XXXX on XX/XX/2018 to inform them that the company never responded to my request. XXXX  responded by deleting the invalidated reporting. XXXX has " verified '' the reporting as accurate by matching the reported social security number to mine. This is not proper validation. Portfolio Recovery Associates did not respond to my request for validation in a timely manner as according to the law. Not only did they fail to provide any documentation or evidence bearing my signature, they failed to reply to my request to have the item delete as they are legally required to do. On XX/XX/2018 PRA sent a billing statement in reply to my request for validation which does not prove that I am obligated to pay or owe this debt. They sent the same documentation again on XX/XX/2018 and stated that they have " completed their investigation '' and will " not be conducting another investigation '' because my " dispute alleges no new facts and includes no new information in which to form the basis for a new investigation. '' They have reported delinquent and invalidated information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: ICUL Service Corporation (MO)

Located a misplaced gift card. Checked to ensure there was a balance on the card on XX/XX/XXXX. Was advised the card/account was closed via the automated system ( XXXX ). I then chose the option to speak to a representative as I don't remember using the gift card. When I spoke with the representative she advised that the account/card was in deed closed. She advised that after the card had been opened for a year, then beginning charged an " inactivity '' fee of {$5.00} per month. Since the card was issued in XXXX, the {$5.00} fee per month began being charged until the account reached a XXXX balance and then was closed. 

This seems to be unethical, as the person who purchased the gift card paid for the {$25.00}. They received a free {$25.00}! Also, on the front of the card it advises the card is good thru XX/XX/XXXX. Seems misleading! Makes the recipient of the gift card think the card is good through XX/XX/XXXX, which technically it is not! If you are going to start charging fees after 12 months - maybe make the good through date for only 1 year, not XXXX! There is also nothing on your website 's FAQ section regarding this either - hiding it are you? 

I work for a XXXX XXXX XXXX  and I actually work in our XXXX XXXX XXXX for that said XXXX XXXX  and am very aware of this process and I realize you are going to give me some " canned '' response saying it's in the Terms and Conditions ( which I didn't get b/c the purchaser of the gift card only gave me the card in a gift box. And, I realize NOW after speaking to the representative, the information is printed on the back of the card in the " fine '' print. Again, I realize you are covered by this - however feel this is a XXXX concern as it is misleading since this is a gift card ( which normally not have fees charged ) and the good thru date is in XXXX!
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I purchased my home in XXXX, NJ on XX/XX/XXXX. My mortgage was with XXXX XXXX. On XX/XX/XXXX, I emailed a copy of the real estate tax exemption letter that I received from the Tax Assessor of XXXX Township ( as a surviving spouse of a XXXX XXXX XXXX veteran, the state of NJ grants exemption from real estate taxes ) ; the receipt was acknowledged on XX/XX/XXXX. I was informed that XXXX only does escrow analysis once a year in XXXX and at that time, I would be refunded the amount that I paid in real estate taxes and my monthly payment due would be adjusted. In XX/XX/XXXX, I was informed that my mortgage account was sold to PHH Mortgage. My account number is XXXX. I was told by representative of XXXX that PHH would be handling my account going forward and would be responsible for the required adjustments to my escrow account including refunding my overage. I called PHH and was told that the letter from the Tax Assessor was not provided when my account was sold. I then mailed the letter to PHH. The receipt was acknowledged by a customer service representative in XX/XX/XXXX. I was told that an escrow analysis would be performed with the tax exemption and it would take about 10 business days. I have attempted to speak with someone in the escrow department on several occasions but was always refused and told that the representative would relay messages and responses. On my last phone call on XX/XX/XXXX, I again was refused to be connected to the escrow department and the customer service representative told me that my escrow analysis was still being performed and I should wait 10 business days. I informed the representative that I was going to file a formal complaint with the applicable regulatory authorities and that he should relay that to the escrow department. It is now XX/XX/XXXX and I am owed several thousand dollars and my mortgage payments due have yet to be adjusted. I anticipate that this complaint will be instrumental in rectifying this issue.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AXOS FINANCIAL, INC. (NY)

I am trying to withdraw money from my account at AXOS BANK.to my XXXX I made a withdrawal of {$7000.00} on XX/XX/ it has been over 2 weeks. I have still yet to receive my transfer. 

On XX/XX/XXXX I contacted them. They said they will forward my request. 

XX/XX/XXXX. They said it will take 2 business days XX/XX/XXXX. I have roughly {$6000.00} more somehow in my AXOS account, seems fraudulent. That is not what I asked for. I want to move money out of there and get as far away from this bank as possible.
Consumer complaint received 2022-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

Flag star bank recently received my Mortgage account from XXXX XXXX. They did an escrow analysis then raised my mortgage payment from {$3500.00} to {$3700.00} saying theres a {$170.00} mortgage shortage according to what the Maryland says it would cost to rebuild my home. I was not satisfied with their explanation. $ XXXX on my mortgage creates a serious hardship and seems excessive especially since theres plenty of monies in escrow to handle everything. I have talked to my Homeowners insurance company and the Maryland XXXX XXXX XXXX and they also feel that the increase is excessive.
Consumer complaint received 2022-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I am a retired senior citizen living on a fixed income. I make my mortgage payments every month to Fifth Third ( 5/3 ) Bank. In XX/XX/2021, my city substantially increased my summer and winter taxes causing my mortgage payment to be much higher. Because I receive the larger portion of my income later in the month, I am not always able to submit my mortgage payment on the first of each month or during the 15-day grace period. My payment is made on the XXXX of each month or 2-3 days after this date. Nevertheless, the payment is made every month. On the XXXX or the XXXX of the each month, I start to get harassing phone calls from 5/3 Bank. I get a call once every morning and sometimes twice a day up until the day that I make the payment. In addition, I receive email messages regarding my account needing urgent attention. I have explained my situation to 5/3 Bank twice and I have asked if they would change my mortgage payment due date to the end of each month. They have refused to change my due date, I am paying late fees and I am still getting harassing phone calls. I'm a senior on a fixed income and I pay my mortgage every month. My mortgage is the first bill that I pay every month. It is hurtful and stressful that 5/3 Bank calls me every morning ( sometimes waking me up ) considering I have asked for for their help with changing my payment due date. They would rather call me and harass me every day and charge me late fees. I would like 5/3 Bank to have some empathy and allow me to change my mortgage payment due date to stop the late fee charges, email notices and harassing phones calls.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

- Opened checking account with Citibank in XX/XX/XXXX - XXXX Debit Card Initial Funding Internet from account XXXX for {$25.00} - Closed account soon after - Called many times since to request refund of {$25.00} - Case File # XXXX - Sent proof of address on XX/XX/XXXX to fax number XXXX - Filed a complaint with " XXXX '' on XX/XX/XXXX - Expected a refund check by XX/XX/XXXX. To this day, unable to obtain refund.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (TX)

Discover bank is fraudulently charging my debit/credit card account without my authorization, which is " unauthorize us '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have contacted them to resolve this issue but their representatives are purposely hanging the phones up. i have tried to speak with a supervisor/manager but they've had me on hold for hours and disconnect the lines. Charging any fee is a violation 15 usc 1692f ( 1 ) Unfair Practices- A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

For weeks I have been trying to update my phone number but it keeps wanting to send a text to my old number. Just recently I moved and got the same issue when trying to update my address. So I called customer service for help. I moved out of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida on XX/XX/2020. I have tried twice to change my phone and once with my address to my new address and number but both requests were denied citing I have to provide a request in writing or record a video to prove my identity to manage my account. Its the end of the month and this error could be the reason of fraud. I shouldnt have to send a letter when I move. Thats absurd when I have a XXXX XXXX and its imperative the correct address is reflected when Im trying to conduct XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

So on Wednesday XX/XX/2022, I was at a allpoint ATM inside a XXXX because chime has it on their app as a " Fee free '' ATM. So I arrived around XXXX ish. I attempted to withdraw my money for rent and about XXXX transactions occured. XXXX were approved and XXXX were denied. The ones that were denied I have proof of no money being dispensed. My account was still deducted the amount my receipt said was " Denied '' by the ATM. So I contacted chime and on XXXX the XXXX my account had a " adjustment '' and they gave me a credit of XXXX back to my account. ( This is all happening with my pay check from work ) However, on Wednesday XXXX the XXXX 2022 they took that " credit '' back and so essentially again taking the money from my paycheck away. Desputes were filed and I was told they received an email claiming I the account holder requested to close the case. But everytime an attempt has been made to reopen every agent tells me they are making sure it's done. Then I'll call back and the next person will say " oh it doesn't look like anything has been applied to the account ''. With this back and forth eventually my pay check hit again and paid back the negative balance their actions caused.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

To whom it may concern, Purchased Hedge trimmer from XXXX XXXX on XX/XX/2021 and XXXX reported email delivery on XX/XX/2021. Reported to XXXX delivery not received, checked over multiple days. Requested Charge back from Wells Fargo XXXX XXXX XXXX for {$420.00}. Wells Fargo came back with a denial for Chargeback ; stated XXXX showed proof of delivery by XXXX. I stated that no one in household including myself had signed or received package in question. Wells Fargo instructed me to contact XXXX for refund. Called XXXX who told me package delivery on XX/XX/2021 may of been delivered to wrong address and a refund for {$420.00} has been sent back to your card as a chargeback on Friday, XX/XX/2021. Please contact your bank for the further assistance ( Please see Email PDF enclosed ). Spoke with multiple Wells Fargo representatives, who after explaining my case, denied chargeback. Requested I be escalated to executive office; spoke with exec. rep. XXXX who denied chargeback.Requested to speak with his superior and was then told he would investigate further and get back to me by XX/XX/2021. 
Received phone voice message stating your chargeback case has been resolved ( in so many words ) and to call XXXX XXXX XXXX Case # XXXX if you have any question or I'll receive results in the mail. When I called them I was told my Chargeback was denied ; I requested the reason and was told XXXX showed proof of delivery. I reviewed explanation of non receival of merchandise on deaf ears. After speaking to Supervisor XXXX and then being transferred to executive office, spoke with XXXX ; reviewed entire case with her and was told XXXX will be following up, and case is currently open. I asked how case is currently open, when I was told today case was denied. Her response was XXXX was looking into case and would get back to me. I then felt I was being given the run a round and requested email stating case is currently open ; XXXX stated we don't send emails. Requested to speak to superior and was told their no one else, will need to wait for XXXX. Thank you in advance for any help you may provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

I moved out of XXXX XXXX XXXX XXXX  XXXX XXXX Florida on XX/XX/2020. I have tried twice to change my address to my new address but both requests were denied citing I have to provide a request in writing to manage my account. Its the end of the month and this error could be the reason of fraud. I shouldnt have to send a letter when I move. Thats absurd when I have a XXXX XXXX and its imperative the correct address is reflected when Im trying to conduct XXXX
Consumer complaint received 2023-03-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Please verify the following accounts : XXXX XXXX XXXXXXXX Balance {$500.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX Balance {$150.00}.