davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NJ)

HiI live in USA and While applying for a job online. One bad day I received a call from so called XXXX from unknown number and taken my interview. Post that they mailed me job contract which I sent them back signed. The job was for a XXXX company based in XXXX, XXXX named XXXX. The job mentioned was of a sales and payment coordinator in which I have to collect/receive payment from the customers who are willing to avail travel services of the company mentioned and will pay on behalf of the services they enjoyed or intend to enjoy. Since the company does n't have office or branch in US they are recruiting such agents like me for collecting the payment. 
One day I received a mail via XXXX at my address containing a check of XXXX/- USD of XXXX XXXX XXXX on which my name was written as a beneficiary. Immediately after I received a mail from company 's head agent who was suppose to be my manager named XXXX XXXX stating that I need to deposit this check in to my account and after deduction of XXXX % ( e.g. XXXX/- USD ) have to send the balance money to some address in XXXX via XXXX. I forgot to tell that according to their job contract I shall be paid USD XXXX/- a month as a salary as well XXXX % of the commission of what ever the payment I collect. The tax and other IRS and legal expenses will be born by them. Considering this offer a lucrative one I accepted and as a first task I received this check of XXXX/- USD which I deposited in to my wells fargo bank 's checking account. While going to withdraw the balance amount ( XXXX % after deducting my so called XXXX % commission ) on next day in to the bank I came to know that the check could n't be cashed because it 's a forged one. That 's fine but additionaly the bank has close my account and debit/atm card saying that I am no more be able to use or bank with wells fargo bank not now nor in future as my banking relationship with the bank is ended because of this forged check I deposited but not cashed or withdraw. I became a victim of someone else 's forgery but I am punished by closer of my account. I spoke to bank manager personally as well to customer services and also to their fraud department. They all refused to re-activate my account saying because of this forgery your account is permanently closed and better you find some other bank to deal with not well fargo. 
My concerns and the help I seek from you are as follow ... 
1 ) Can bank close my account in such case/2 ) Can they re-activate/reopen my account considering me a victim of forgery? 
3 ) Do I be considered guilty in such case? How? Since I am not the culprit but a victim? 
4 ) Will this incident reflect bad in my back ground check? 
5 ) Will this be effect any thing adverse or bad on my credit score? 

Please help me answering this.. 
Thanks a lot in advance. 
Rgds, XXXX
Consumer complaint received 2016-03-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX, 2016 To Whom It May Concern : Claim # XXXX As per your request I am writing this letter to tell the facts! 

I rented a room for my family at the XXXX. Which was unlivable due to the infestation of roaches, refrigerator not working or the stove and that is what we paid for, as we are a family and needed to cook. I was told by the manager/owner that I am the father I need to figure it out. 

Facts : The stove did not work The refrigerator did not work The tub did n't work however it was fixed a day later Neighbors screaming and jumping all hours of the night knocking on my door. 

I complained to Management they said they would take care of it, as we had to work the following day. Nothing was done about it. 

My Fianc was falsely accused of staying at the motel once before sneaking animals into the room without paying ; my fianc has never stayed at the motel before. They argued with us made us uncomfortable, called us liars etc. 

I paid for XXXX days and checked out on the XXXX day because our room was infested with roaches. 

I notified the Merchant and they were not helpful and did not want to budge. They did nothing to correct any of the issues ; they did not even offer any credits at all. 

I spoke with 2 managers and the owner and the owner was horrible. I immediately opened a debit card transaction dispute in direct response for the poor service and mishandling of my intended funds tendered in hopes of a quality weeks stay. Please note that I originally paid for XXXX nights, but I did not stay past XXXX nights and the entire amount is what I requested back. The provisional credit was given to me and all of a sudden snatched away from me, now leaving me in a further mess with a heavily overdraft account. I was out at dinner with my fianc and was extremely embarrassed by having my card declined in front of the restaurant. I have been through quite a lot and this is very deceptive and very harsh to have my bank that I believe knew the issue first hand with the investigation that created and now has put me in a terrible spot. 

I am contacting the CFPB to ensure justice and proper adjustments on my account are made.
Consumer complaint received 2017-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CA)

My mother called lending club because they needed to verify some info before finalizing the loan. When a representative answered I asked her if there was someone who spoke  Spanish for mother. The representative said no and then I explained that my mother does n't speak English and if I could translate for her. The agent went on to explain that she only needed to ask some questions in English. I then proceeded to tell her how could a company have no one that speaks Spanish for non English speaking people. And that no where online or in the loan process says that English must be spoken for the loan. I went on to explain to her that the company was being Biased to my mother for not speaking English.
Consumer complaint received 2017-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I have filed several complaints about Wells Fargo so far Wells Fargo has not called me but only sent a letter to bbb so Im filing again then next time sense Wells Fargo has changed committed fraud and identity theft Ive filed a police report and I have an attorney that has my paperwork showing how Wells Fargo has tried to open a credit card in my name and has now settled with this yet I did file with the mediation department I have not been contacted one time about this I will turn this over to the attorney to go ahead and file I open court to resolve this issue I know now that Wells Fargo can not send this to arbitration I can sue them I recently gave Wells Fargo another chance and now Im getting the same results with the credit card I have and I also closed my checking account due to the fact to many problems and issues I do have a police filed so I dont want excuses from Wells Fargo if I dont get any contact by this bank I will go ahead and file in court I want this settled with compensation for what I been through I do have proof of the credit card that was almost open in my name the attorney advised me that Wells Fargo did not selttle on this matter that this needs to be cleared up or Im going to take this bank to court I will file another complaint with cfpb about this matter Wells Fargo has done nothing but caused problems and I want this resolved
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NC)

I saw several years back around  XXXX  that there was a new account on my credit report  from GE Capital / Lowes w ith a credit limit of {$20000.00} opened up and active. I contact the bank directly and told them that is was clearly fraud and to please close the account. They did and they have now sent it to a collection company named   XXXX   XXXX   which they have even said it was FRAUD and they sent it back to the bank ( SYNCHRONY BAN K / LOWES ) to clos e it out again! On  XXXX / XXXX / XXXX  Synchrony Bank /  Lowes r eopened the account and added it to my credit file again! They bank has several police reports to bad my story up but they just want listen to me. Now lm losing my house on Wed due to the fraud there commenting against me. Now i do n't qualify for my home loan and I 'm now losing my {$220000.00} down payment on my new house, All because of this!!!! Please help me.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (OH)

XXXX   XXXX   XXXX   who identified himself as the Legal Assistant with  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  . LPA sent a e-mail to prosecutortaxenty, which is the e-mail of   XXXX   ,   XXXX   , Assistant Prosecuting Attorney of the Civil Division-Tax Unit.
This e-mail was sent on Tuesday,   XXXX   XXXX   XXXX   at   XXXX   XXXX   Within the body of the e-mail it stated the following ; Third Federal S & L vs.   XXXX   XXXX   XXXX   et al Case No.   XXXX   Our File :   XXXX   Good morning Please see the attached proposed Judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry, please provide either your approval or charges Thank You At the bottom of the e-mail it has   XXXX   XXXX   XXXX   Legal Assistant  XXXX ,  XXXX ,  XXXX ,  XXXX  , &   XXXX   XXXX  , LPA  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX , OH  XXXX    XXXX   XXXX   XXXX   XXXX   ext  XXXX   XXXX  THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPING TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BU UWS FOR THAT PURPOSE I need all of the following questions answer to determine whether this judgment order ( which is another form of a attempt to collect a debt ) is justified, 1. I was never given the opportunity to read this file titled Our File :  XXXX  please explain in detail what information is in this file?
2. Please send me a copy of all information in the file and any documentation associated with the file 3. Is the Judgment Entry that is confirming the sale for Ms. Jin to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either Third Federal,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , or   XXXX   XXXX  . Who provided you with the information that is contained in the attached titled  XXXX  CE.doc and/or the information within the e-mail identified as Our File :   XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I want to preface this by saying this is by far the worst and most horrible customer service I have ever recieved in my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My house was damaged by rain and so I filed a claim with XXXX to fix my house and went to deposit at Chase. The check was cleared. Few days later my account was suspended and then closed. This was because there was no endorsement from my old lien holder that we paid off. We asked them to send the check back to the checkmaker but they refused due some policy that is made up. They said the insurance company would have to file a claim and pry it from their hands. 

XX/XX/24 : After being incredibly upset and trying to contact Chase to solve the issue everyday with them the past two weeks, going to the bank, calling the XXXX number. We then send a complaint to the OCC. They finally started to give us " help '' by giving us a point of contact. XXXX from Chase Executive Office. He said the same thing as the beginning, file a claim and take it from us through legal force. 

XX/XX/24 : After two week of " reviewing '' the case, he sent me a letter that officially states that XXXX would have to request it back. I sent it to my insurance company and they sent a fax to Chase. 

XX/XX/24 : Our point of contact XXXX, who has called us twice and we had to called their office over 17 times to reach in the past 3 weeks, is no longer our point of contact and we were given a new one. They have recieved the fax from XXXX requesting the money back when I called around XX/XX/24. I don't speak English well so I asked my nephew to help me out. They won't talk to my nephew even though I am sitting right next to him and speaking and giving consent. They seem to want to prey on an old man by speaking with only me who doesn't understand all this banking stuff well. They have said they will " look into it and call us back '' serveral times now. There is no one other than the point of contact to speak to so I am completely at their mercy if they want to solve our issue or not. There is absolutely no one that keeps them accountable. All while our house is still uninhabitable from the rain. This is by far the worst customer service I have ever recieved in my life. They talk very " nice and proper '' but all of it means, we will fix your problem if we want to and when we want to. All I want to my house fixed.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I have had multiple issues with Navient. First, I was unable to even log into my account for nearly two years! I called on multiple occasions to have my login and password changed and it never helped, so I simply had to call every single month when I needed an update or to check on my balance or anything. My second issue is with interest rates. I think it is absolutely absurd when my student loan interest rates are more than double that of my car loans or my mortgage loans. Third, the way they structure repayment options is that if you decide to choose how your payments are applied, ( I.e pay off higher interest loans first ) you are unable to enroll in auto pay which in turn causes you to lose a 0.5 % decrease in your interest rates. However the 0.5 % you save does n't even come close to comparing to the amount of interest they gain by paying the lowest interest amounts first and barely touching your high interest debts. Then, if you even attempt to get your payments reduced because your monthly payments for your student loan debt are nearly half of your mortgage payment, forget about it. You 'll spend three months filling out paperwork and sending it to half a dozen different departments only to be turned down in the end because you " make too much money ''. I did n't realize being lower middle class with barely anything in savings, living paycheck to paycheck was living large these days ...
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have a current membership with XXXX/Experia. My payments are in good standing. A couple of months ago, for some unknown reason, I lost access to my account. to the best of my knowledge, I did not change my password and the login information I set up is still valid, however I still can not log in and all attempts to reset my password have been unsuccessful. The only way to fix this, according to their website is to do it over the phone. 
Here is where the problems start. I have called multiple times for the last 3 weeks and every time I call the waiting time is more than 2 hours. I have waitied even three hours once without being able to talk to anyone. I have researched the feedback from other customers and this seems to be the standard for this company. Simply they don't pick up the phone. 
At this stage, I don't want to solve my log in issues anymore. I now wish to cancel my membership, but for this I still need to talk to them over the phone, which is impossible. 
I have sent two emails to the only email address available in the website which is apparently dedicated to provide technical support ( XXXX ). No response. I left messages via XXXX and XXXX, to no avail. 
Please help. I would need the company to terminate my membership. Thanks
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I submitted a complaint a few weeks ago ; however, it was not resolved. Capital One 's executive offices contacted me ; however, they refused to work with my temporary hardship. After I explained what had happened after they asked what had caused this hardship ( a transition to a new career due to medical reasons, as well as a XXXX that was not covered under my insurance ), they put me on a brief hold and came back to offer me nothing. My current interest rate is 21.15 % on a balance of {$16000.00}. Interest each month is near {$200.00}. I explained that I am in training pay mode in my new job ( auto sales ) and make minimum wage, less than $ XXXX, gross. My mortgage on my house alone is {$1700.00}. It 's simple math. I make less than my mortgage payment, which leaves nothing for credit card debt, my car payment, electrical, etc. I had previously taken a high interest rate ( 14 % ) loan with XXXX, and retained half of that to stay current with at the least my mortgage and auto payment. I explained to the man that I in no way want to shun my obligations ; however, I would appreciate some help till I get on my feet again. Any chances I had at obtaining a personal loan had been abolished by Capital One 's sudden closing of four of my accounts without one missed payment, as well as XXXX with XXXX balance. They shut them down for " charges not consistent '' for what they expect. Within a week of their dropping {$27000.00} in credit, my credit score plummeted into the XXXX from the XXXX. I did nothing wrong! Within a few months I will be switched to commission and hopefully my income will increase substantially. All I asked was a reduction in interest while I am in the transition mode, which would be hopefully no more that 6 months. I can not understand why they could not grant this request when I have been a perfect customer for years with Capital One bank. My complaint is that they single-handedly destroyed my credit in one sweep, and now they refuse to lower my interest rate for a brief period of time. I was not asking them to excuse my debt. I am completely aware of debt relief agencies -- they advertise constantly -- however, I was trying to handle this the responsible way. I do not want to be forced into bankruptcy ; however, this bank has ruined my credit by suddenly closing four accounts for a bogus reason, and refusing to reduce my interest rate in return for their damage. Previously I had equity in my home I could draw from, now there is zero chance of that thanks to Capital One. Capital One reached out to me after filing the first complaint ; however, they offered no resolution at all. They should be held accountable for this kind of abuse. Again, I am asking for the same thing. In a good faith effort, I made the {$320.00} minimum payment after I was turned down by this representative.
Consumer complaint received 2015-07-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (TX)

This is Not A Duplicate, XXXX XXXX I Lost My Wallet With My Bank Information In It! I reported It As Soon as I Gotten Home! Navy Federal Did Not Close My Account! On The XXXX Of XXXX {$5000.00} Dollars Was Deposited in My Account and When They Took The {$5000.00} They Took My Income tax Money from Checking and Savings Checking Navy Federal said {$570.00} They Supposed To Have Send Me and Still Have n't Receive Yet! They Have n't Credited Me With The {$1500.00} I Had In My Saving! I 'm Not Satisfied at All.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.