davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I reserved a condo in XXXX XXXX and transferred {$800.00} to the " owner '' of the condo through the XXXX app in my Wells Fargo 's online bank account. After the money was transferred, the " owner '' of the condo cut off communication with me and I have n't heard from him since. I opened a claim through Wells Fargo and it was closed. I re-opened the claim and a representative of the bank called me yesterday stating I would not be receiving my money back.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I reported fraudulent charges to Citi that I saw on my billing statement. 

On XX/XX/XXXX I was charged {$1600.00}, XXXX MXN, by XXXX XXXX XXXX XXXX XXXX for commercial equipment. 

During this time I was on vacation in XXXX and the card was in my possession. 

Not once did I make any single charge of XXXX MXN to the best of my knowledge. 

The details for this transaction are as follows : XXXX XXXX XXXX Transaction XXXX : Purchases Posted Date : XX/XX/XXXX  Category : Merchandise - XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXXXXXX XXXX I was also charged {$750.00}, XXXX MXN, on XX/XX/XXXX.This was by a XXXX  XXXX which I also state as fraud as I was told by the merchant that the credit card machine wasn't working and I paid in cash instead. 

The details for this transaction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Collapse Details Additional Details Transaction Type : Purchases Posted Date : XX/XX/XXXX Category : Restaurants - EATING PLACE, RESTAURANT Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXX I didn't notice these until after I got back from XXXX. I wasn't traveling for business, just for vacation. 

Citi refuses to accept my claims as fraudulent because I was honest and told them all other transactions besides these I recognize as valid.
Consumer complaint received 2018-01-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

In XXXX XXXX, I incidentally signed a student loan with XXXX XXXX, which later became Navient, for continuing my adult bachelor studies. In XXXX XXXX, while still active with school, Navient started billing me for loan repayments. I 'd updated them on my schooling status, but they insisted there was no record that I was a student, so inevitably they contacted the school for verification, and from thereon there was no further communication. 
In XXXX XXXX, Navient started billing me again, and I updated them that I was still in school, and they told me I was required to send them a forbearance request for postponing my payments for a couple months. I told them that school did n't end until XXXX XXXX, and they insisted they were in the right to bill me for loan repayment, and gave me the runaround about filing yet another forbearance request. I refused and did not return their calls afterward, considering their behavior harassment. 

Navient contacted me yet again, in XXXX XXXX, about repaying my loan, even though I was still in school, and I told them I would file harassment for fraud, if they did not stop. There was no further word from them until XXXX XXXX, when they hastened me to start repaying my student loan. I was incidentally unemployment at the time, so I tried filing an unemployment deferment, and they told me I did not 'qualify ' as supposedly I 'd exhausted such benefits, from back in XXXX. Well, I contacted the Federal Dept and the Federal Loans about the matter, and they told me there was no such thing as 'exhausting unemployment ' benefits for deferment. 

So basically Navient lied to me, and I insisted once again that I wished to file an unemployment deferment, and they refused, once again insisting about the exhaustion excuse. Then they proceeded with the runaround about me submitting deferments and forbearance, to see which one I " might qualify for ''. Well I wasted my time doing that, just to keep them at bay. Their website is disorganized, half the links did not work, or rerouted me to other irrelevant areas, and basically was determined nonfunctional. I did manage to upload one short term deferment and a regular forbearance request, and weeks later Navient claimed they could find no record of these uploads, when I had the receipt copies and the emails to prove they 'd been received. 

This matter went on for some time, between XXXX XXXX and XXXX XXXX. Navient continued to call and harass me that I was going " default '' on my loan repayment when I was not. And again, they wasted more of my time, running me around with resubmitting forbearance and deferment requests. To this day I have not made a loan payment because of their deceptions and harassment practices.
Consumer complaint received 2018-01-04
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. (TX)

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX  credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.
Consumer complaint received 2018-01-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CASHCALL, INC. (CA)

This is my office work number we are talking about at my work.XX/XX/XXXX XXXX: Got this collector from Cash Call calling me at my work number talking down to me and would not stop or listen to me and just rudely interrupted me and kept on over voicing me. I told him that this my work number and to call me again .XX/XX/XXXX XXXX: Calls back again telling me that he'll call me as many times as he wants and there's noting I can do about it - As I am telling him off, he thinks it's the funniest thing in the world. I warned him that I will report him if he continues to call me at work.he said he will continue to do so as long as he pleases and I hung up again and didn't answer my own work phone anymore.Got pretty sick and couldn't work until XXXX XXXXXX/XX/XXXX: Calls again and we end up in another yelling and screaming contest, where he is saying that the calls are being recorded and i better talk to him otherwise he would play them to my supervisor so he can hear the language I am using and what kind of a person I am. Again I am telling him not to bother me with his calls again at work and again he is saying that he will continue doing that. Now determined to file a complaint I ask him for his number he says as he gives it to me there we go, call me when you calm down and we can talk again. I hang up.XX/XX/XXXX around XXXX: I have a voice message on my work number, ridiculing my work title and ordering me to call him back at the XXXX number - I assume this a variable drop and get a new number type thing, because there hasn't been any reports on it yet, so all this stuff with proper caller ID etc per FCC + FTC guidelines are a joke for cashcall and nobody steps on their toes.I know he will not stop, so I will not be answering my WORK phone for a while because of this XXXX until I get a response from the CFPB, while I look for a good attorney to get the voice recordings and sue the fine people involved in this.
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (WA)

On multiple occasions since the beginning of the year I have asked Nelnet, my student loan servicer, to send me copies of my monthly statements from XXXX XXXX to XXXX XXXX. Several times I was promised the statements but never received them, while on other occasions I was told that retrieving statements more than 12 months in the past was not possible. Nelnet states that all this data is purged from the system after 12 months time. 

With a loan balance of {$120000.00} it seems highly unlikely that the company does not have records of my monthly statements going back farther than 12 months. I require these statements in order to verify that my student loan has been serviced correctly and that the amounts added as interest or capitalized to principal are correct. So far, the company has refused to cooperate. 

Any large financial institution handling loans of this size : credit cards companies, banks, brokerage firms, all have the ability to locate statements going back several years. They are sometimes archived, but they are never deleted. If true, it is highly irresponsible of Nelnet to delete these statements when storage data these days is so inexpensive. 

Since it seems highly improbable that these statements are no longer in their possession, I am writing to the CFPB to assist me in compelling Nelnet to retrieve these statements from their archives and to send them to me by mail or email. If they truly have deleted these statements as they claim, I would like them to recreate the information as one would see it on a monthly statement, and send me the results. Given the amount of this loan, it is unreasonable that Nelnet is refusing to comply with such a simple request.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MARINER FINANCE, LLC (IN)

I recently reviewed my credit report and noticed that Personal Finance Company is now renewed and is reporting that I owe them {$3700.00} as of XX/XX/2017.. on a debt that was discharged through my bankruptcy. They are not acknowledging any bankruptcy and it is as if the debt has been renewed. Previous reports this item was removed from my credit report and this one just showed up.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

I use Coinbase to invest in Litecoin. When I moved my Litecoin to my USD wallet it wont let me withdraw it. Every time I try to withdraw it brings up the option to select a bank but my bank isnt on the list. When I try to opt out and use the card option it wont let me click my card linked to my account therefore I cant take my money out of Coinbase. I put in {$50.00} on XXXX XXXX, 2017 @ XXXX XXXX.
Consumer complaint received 2019-10-21
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. (FL)

In XX/XX/XXXX, I disputed an account reported by : XXXX XXXX {$22000.00} in the file you maintain under my social security number. 

I was informed on XX/XX/XXXX/XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX, I have discovered that the item has been reinserted on my credit report.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I am a real person upset about the findings of my credit report information. And after checking my credit score to buy a home I have seen some information on my account that wasn't accurate. This is a big violation of my rights to privacy. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX XXXX XXXX. In XXXX my grandmother was battle stage XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her illness in XXXX. 

In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX XXXX XXXX. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX XXXX was convicted on XXXX counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me. 

In XXXX the Mortgage was purchased by Wells Fargo without investigating the origination. In XXXX the home went into foreclosure. Wells Fargo tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records ; Wells Fargo determined the mortgage was valid ; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XXXX XXXX, XXXX. 

I have attached supporting documents as well.
Consumer complaint received 2017-07-27
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( Equifax, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Consumer complaint received 2018-01-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (VA)

XX/XX/XXXX- opened CD for $ XXXX @ 2 % /12 month XX/XX/XXXX- called in to verify external account for funding CD -opened new CD ( minor ) for $ XXXX @ 2 % / 12 months -opened new CD for myself $ XXXX @ 2 % for 12 months -requested to close CD opened on XX/XX/XXXX and use funds for new CD ( minor ) I was told that I could not close the CD past 10 days of opening it with a penalty but I could wait until the funds clear for the new CD and transfer the funds. If I transferred the funds to the new CD the penalty would be waived. I was told all funds would be cleared by XX/XX/XXXX XX/XX/XXXX- logged on to check accounts and all funds had cleared as I was told. There few more than a few errors however. 
1. My sons name on his CD ( minor ) was spelled incorrectly. 
2. The interest rates on 2 of the CDs was lower than offered when I opened them. They were posted at 1.35 % instead of 2 %. I called in ( hold time is ALWAYS mins EVERYTIME ). 
I spoke with XXXX and told her I wanted to close all accounts and have the funds transferred back to the original external account that funded the CDs. I was told that I could not close the accounts until 6 days after they are opened. This would cause me to incur early withdrawal fees.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I purchased a car in XX/XX/XXXX for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted Equifax and I was told it was my banks fault. My bank tried contacting Equifiax, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CO)

I deposited {$50000.00} to a new XXXX checking account in XX/XX/XXXX. I needed a new checking account and they were offering a {$500.00} promotion if you made two direct deposits and had a {$50000.00} balance for 6 months. I made sure to meet all of the requirements, confirmed that I met the requirements on XX/XX/XXXX and am now being told that I do not meet the requirements and that I wo n't be getting the bonus. I have attached a letter they sent me stating that I did indeed meet all of the critieria and that I will be receiving the bonus. I called in yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) and was first told they had no record of my calls, that letter or anything. After an hour and a half on the phone they finally " found '' it but still said I wo n't be getting it. 

I also uploaded a screen shot of my account showing that I met the qualifications of the promotion.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I currently have four debts showing in my Equifax Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : XXXX XXXX XXXX ( XXXX ) - Balance {$210.00} XXXX has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to Equifax and this continues to be in my credit report. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with XXXX and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with Equifax. XXXX XXXX has also advised that they have reported to Equifax of the same. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as noted above for the previous two XXXX records.
Consumer complaint received 2017-07-26
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. (OH)

XXXX XXXX, 2017 I contacted XXXX and Equifax concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposited {$4500.00} in a Wells Fargo online bank account on XX/XX/XXXX. The bank indicated the funds would be available on XX/XX/XXXX. The funds were available on XX/XX/XXXX. I made one bill payment of about {$150.00} on XX/XX/XXXX. OnXX/XX/XXXX, I received a message stating my funds were on hold due to repeated overdrafts in the last 6 months. I have not had a Wells Fargo account for over 8 years and even so did not have repeated overdrafts. I called WF to resolve, but after almost an hour, I was told there was nothing I could do. I would have to wait 7 days before the funds would be released. Under privacy rules, WF should have accurate data, and if not, I should be able to know the source of the data and any incorrect data being corrected. The rep at WF told me she did not know where the information about repeated overdrafts came from.