davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Im not sure why of how it came to this due to the fact that I called you back in XXXX or early XXXX to inquire as to why Wells Fargo did not take the money from my account. let me correct that last statement you did take it and then released it back to my account several times I know that it may have been less than the expected amount but you did take it and put it back. I did not receive any correspondence from Wells Fargo explaining the situation to me at that time, that's why I called Wells Fargo to find out what was going on and I was informed that my name was not on the mortgage I informed Wells Fargo that my wife had passed in XXXX of XXXX, from XXXX. I then told him that my name was on the deed and he confirmed that and told me it would have to they would automatically take the money from the account t be investigated why the money was not taken from my account and that it would take from 10 to 14 days to find out, I did receive a call right around the 14 days and was informed the it would take another 14 days to complete the investigation. After the conversation I finally received correspondence stating, NOTICE OF INTENTIONS TO FORECLOSE. To my surprise needless to say that I was disappointed do to the fact the money was in my account and before all this happened they would automatically take the money every two weeks with know problems or issues. I have been banking with Wells Fargo well over 25 years, and they have been our mortgage provider for over I want to say at least 10 years. And if you check my payment history it will clearly show the mortgage was always paid on time. Needless to say that I don't know about all the banking policy and practices but I do know that all of this could have been avoided if Wells Fargo cared about it customers. And to add more insult to this situation I receive a check in the amount of {$840.00} dated XX/XX/XXXX stating for misapplication reversal. And I currently have over {$6000.00} in my account today due to the fact I was still making the required deposits to my account. So do to some internal issues or changes its my fault that you have not taken the money from my account, so now I have to contact my township to make sure the taxes is paid. Therefore I am seeking a resolution to this problem and I will also be filing a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I WOULD LIKE THE STATUS OF THIS ACCOUNT TO BE REMOVED. I HAVE SETTLED THIS DEBT WITH THE DEBITOR AND THE ACCOUNT IS NOT ACCURATELY REPORTING. 

XXXX XXXX XXXX  Account # : XXXX Equifax Account # : XXXX
Consumer complaint received 2021-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (PA)

I have a loan with WESTLAKE FIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2017-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My account was hacked by someone. The person cloned my ATM card and used it to withdraw {$400.00}. I reported it and Citibank gave me the money conditionally and did and investigation. They never looked at the ATM video but decided twice that they did n't believe it was fraud. I was 30 miles away at time but even while I provided a work time sheet stating that was in XXXX XXXX at the time the transaction was being made, they still did not believe me. They have taken my money but admitted that they did n't look at the ATM video, I even filed a police report and faxed it to Citibank. 

I had to file a third dispute and they have still left my account negative.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2020 I went into a Loew 's Store in XXXX XXXX XXXXI have a Loew 's Account and was seeking information on 2 hour fire doors. The gentleman told me it was a XXXX charge for someone to come out and measure the work.He never told me that I was not going to get the measurements or a copy of the measurements.I met the Loew 's representative at my rental unit and had given the renter a 24 hour notice.When I called Lowe 's store the representative state that I could not get a copy of what I paid for. He then stated that I had to deal with his location and that was not stated up front to me.I live 30 miles from this XXXX XXXX California store and had I known this would have gone to a XXXX California Store where I live which is 5 miles from me. He also ststed that they can not transfer my work which was not told to me.I have called XXXX repeatedly with no success as I just get a machine. I did call The XXXX XXXX Store and it got no where.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I applied for a mortgage refinance with Rocket Mortgage/Quicken Loans. I am at 95 days since application and the closing was scheduled for Friday, XX/XX/2020, at XXXX XXXX  PT. The signing agent did not show up and after attempting to determine what happened after speaking with 10 different people at Rocket Mortgage trying to figure out what happened, another agent was rescheduled for the same day at XXXX XXXX  PT. Again, the agent did not show up and there were attempts to reschedule the closing and signing agent on Saturday, XX/XX/2020. Again, there was a problem with closing due to lack of communication and preparation between Rocket Mortgage and the servicing company XXXX, so closing and another signing agent was yet again rescheduled for Monday, XX/XX/2020, at XXXX XXXX PT. The signing agent arrived without my closing papers. In addition, there were also several delays in the documentation verification due to a " technical glitch '' that delayed the process by over a week. Rocket should not be advertising services that it can not deliver in a timely and professional fashion.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (AR)

My Credit report shows : " Paid. Closed. '' ( This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, ERC ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. 

PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX M Th XXXX XXXX   XXXX XXXX  F XXXX XXXX XXXX XXXX Sat. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-05-21
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. (MS)

Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.
Consumer complaint received 2017-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I have XXXX in my XXXX account and they are telling me I have unpaid transactions which is n't true cause my bank paid them and my receiver which is my brother did n't receive the funds so XXXX is telling me they are holding my funds for loss on my account
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AK)

I applied for loan for an engagement ring. The store uses Synchrony Bank. They indicated my score was XXXX. However, there is no mentioning of which Credit Bureau this info was gathered from. I monitor my credit closely and though not XXXX I am all but sure my bank, XXXX XXXX, and XXXX  can't be XXXX points off. While operating as XXXX XXXX XXXX, the company had engaged in deceptive and discriminatory credit card practices. I want the inquiry removed and any of my personal information removed from there data base.
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc. (CA)

THIS UNIVERSITY US FRAUDULENT ADD TO BRING STUDENTS THEY PROMISE TO HELP YOU TO GET A JOB AFTER YOU FINISH BUT IS NOT TRUE WE ARE ALREADY TO MANY STUDENTS SCAM BY THIS SCHOOL BECAUSE THEY OFFER YOU A DEGREE AND WENT YOU GO TO APPLY FOR JOB THEY SAID THIS CERTIFICATE IS NOT GOOD AND THEY STACK US WITH A LOAN AFFECTING US WIT OUR CREDIT AND WITH NO JOB, AND I WANT THEY TAKE BACK THIS LOAN OR HELP MY GET A JOB LIKE I WAS PROMIS
Consumer complaint received 2021-04-29
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. (RI)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Carter-Young, Inc. (GA)

Carter Young Inc, a XXXX, Georgia based debt collector continues to report an invalid account. Based on a quick web search it appears this is a standard practice for this company. 

The vendor has acknowledge the debt is not owed. Further, they are suggesting they have not had a relationship with this collection agency for several months - at least one year. 

The Credit Bureau 's continue to take the side of this collection agency by wrongly reporting the information. Even after the vendor, and I have both sent supporting documentation proving the debt has been paid. 

Carter Young 's actions are fraudulent, and they should be punished to the fullest extent of the law.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

On XX/XX/2018, I opened an M & T Bank Account based on an offer displayed online -- coupon code " TN ''. Immediately after opening the account, I was informed the coupon " TN '' did not apply correctly, and therefore the bonus will not be applied to the account after direct deposit, even though it was advertised and opened based on the offer.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you money
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have sent 3 certified letters to equifax, XXXX, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. Equifax, XXXX, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (WV)

In XX/XX/XXXX I entered into a car loan through XXXX finance. I was quickly handed the paperwork to sign and given the keys. Even though I had subpar credit they are a company that practices predatory lending. Multiple lawsuits in states against them. 25 % Apr without a clear outline as to what exactly that means, as far as how much is applied to the principle. We have been paying on this car for over two years and little to no progress on what we owe. The car has XXXX miles now and only books for about XXXX even though its a XXXX and we still owe more than the original sale price of the car or right at the original sale price. Not to mention a XXXX dollar a month payment. I think their paperwork is vague and does not explain exactly what youre getting into. They are predatory lending and now in the wake of a pandemic I can either struggle to pay it, voluntarily surrender the vehicle, or file bankruptcy and ruin our credit. We can not sell or refinance due to loan to value ratio. This company has lost their XXXX  accreditation according to the site and they should be shut down. I understand there is already limited options for subpar borrowers but you will not prosper with this company they take complete advantage of you and your situation. Youre better off to pay cash for used vehicle or finance a very cheap used vehicle. I have a good income but this car costs as much as our home. Yes we knew the payment when we signed but what we did not know was the way they apply capital to the principle of the loan. Exeter financial needs to be stopped from taking advantage of consumers!
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

I 've tried making my payment this month on due date the XX/XX/XXXX, no payments get through, you ca n't reach a live person says system updating, I 've called several times the last few days with no luck. Is something going on? I should not be charged late fee. I 've even tried getting online and says Same thing system updating can not look at any information. I 'm worried about how this will affect my credit.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

As of XX/XX/2019, I moved my business out of XXXX XXXX and to XXXX. I notified the city and I was told they updated in the system. Without a previous bill, I just received this collection notice. - It was sent to my XXXX XXXX location so I didnt even receive it until just recently. Even if this Information did not properly get updated in the system like the city assured me it was, I also should have received some kind of bill before a bill from the collection agency.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

XX/XX/XXXX BILL PAY XXXX XXXX ON-LINE XXXX ON XXXX {$400.00} XX/XX/XXXX Advised Wells Fargo payment made by mistake to XXXX card. 
Requested stop payment on bill pay. WF stated they made a wire transfer to XXXX not sent a check and would not reimburse my account via stop payment and that I had to contact XXXX. Filed claim # XXXX with WF to get funds back. They said it would be 10 -14 days to resolve. 

XX/XX/XXXX Also contacted XXXX XXXX to request funds be returned. They stated that XXXX   no longer will forward funds to new XXXX XXXX accounts with XXXX . They said they have no way to access my old account and when received funds are returned by them to sender in this case would be Wells Fargo. 

XX/XX/XXXX No response or resolution from either Wells Fargo or XXXX. 

Please help me recover my {$400.00}.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

Ally Financial Account # XXXX. All payments were made on time each and every month. 

Cashiers check in the amount of {$10000.00} was sent to Ally to pay off the car loan. It was mailed on XX/XX/XXXX. The payoff amount was good until XX/XX/XXXX. When I spoke to XXXX from Ally Bank on Friday ( XX/XX/XXXX ), he said the check was received within the payoff window and we do not owe anything additional. But he could not/would not tell me the date they received my check. XXXX XXXX said the check cleared on XX/XX/XXXX. 

The car was in the police impound lot and Ally Bank recovered it on XX/XX/XXXX before I had the opportunity. 

Phone calls have been made by Attorney XXXX XXXX to Ally to resolve this matter since at least XX/XX/XXXX. Attorney XXXX has called at least 10 times, and has been hung up on at least 3 times. Ally is asserting a balance due. Ally stated the balance due is for charges related to the repossession. 

The urgent concern is that I paid off the vehicle, and it was repossessed AFTER I paid the note in full. Therefore, if I do not receive all monies paid on the note plus attorney fees OR the vehicle with clear title plus attorney fees, I will be filing a lawsuit.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

Facts follow : ( 1 ) Called the CFPB ; ( 2 ) woman on phone failed to submit the facts ; ( 3 ) complaint ID # was XXXX ; ( 4 ) writing complaint now myself ; ( 5 ) the woman wrote the following on my behalf verbatim, " Dear Wells Fargo, Please confirm the audio record of my call to you a few days after XX/XX/2021. Specifically, regarding a debit of {$52.00} that disappeared from my banking ledger, and, a subsequent conversation with a woman who did not make sense on the phone ; '' ( 6 ) the CFPB woman doubled checked with me if she wrote the complaint right, but still made mistakes ; ( 7 ) fact, the correct " Your Complaint '' follows, " Dear Wells Fargo, Please confer the audio record of my call to you a few days after XX/XX/2021. Specifically, regarding a debit of {$52.00} that disappeared from my banking ledger, and, a subsequent conversation with a woman who did not make sense on the phone ; '' ( 8 ) addendum follows, written by Mr. XXXX, " Dear Wells Fargo, envision in your mind ( a ) where's my item I bought from XXXX?, ( b ) ok I'll check my bank account on my/the unreasonable Wells Fargo Mobile Application, ( c ) what the XXXX!, WHERE IS THE {$52.00} DEBIT FROM A FEW DAYS AGO!, ( d ) I am going to call the Pentagon, ( e ) I am going to call Wells Fargo and talk to a human being now! ; '' ( 9 ) then, continuing, conferring clause ( 7 ), and focusing specifically on the woman who spoke with me from Wells Fargo on XX/XX/2021, fact, this woman said unreasonable things, particularly, paraphrasing, something to the effect " A credit of {$52.00} is showing on your account ; '' ( 10 ) No, it is not, THAT'S WHY I CALLED YOU!, FACT!, I WITNESSED A {$52.00} DEBIT, THEN A FEW DAYS PAST, THEN, IT DISSAPEARED FROM MY ACCOUNT, WHERE! IS! THE! CREDIT! FOR {$52.00}! ; ( 11 ) then, the Wells Fargo Banking Application Rep said something to the effect, " Oh, it just disappeared, don't worry about it, they disappear and crediting your account is irrelevant, it was XXXX 's fault ; ( 12 ) WRONG WELLS FARGO WOMAN!, XXXX WOULD HAVE CREDITED MY ACCOUNT, period ; ( 13 ) WELLS FARGO DOES WHAT XXXX  WANTS, FACT ; ( 14 ) WHERE WAS THE CREDIT OF {$52.00}, PERIOD. 

End of complaint. 

Note : Fact, I hate, the Wells Fargo Banking Application downloaded from The XXXX XXXX XXXX. Period. Fact, I do like/love, human beings, particularly, logically-minded, genuinely-nice, life-experienced, men and women, young and old, specifically, ( i ) mathematicians, ( ii ) physicists, ( iii ) chemists, ( iv ) constitutional attorneys and constitutional judges/justices, ( iv ) medical doctors that uphold the Hippocratic oath, ( v ) genuinely good bankers, ( vi ) good-willed policemen/policewomen/agents/military/paramilitary. 

End of note. 

Note Post Script - Adduce computer scientists as well, specifically, Mr. XXXX XXXX, and, Mr. XXXX XXXX.