davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (PA)

My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC sent a letter stating they researched it and the somehow determined that the transfers were done from his phone and inferred he made them. These transfers were done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Transferring money 3x until there was no more money to transfer. This is clearly a pattern of fraud. My son was asleep at those times and I had to wake him up to ask why I was getting a low balance alert on my phone for his account. I asked for this to get escalated or researched further and PNC has gone silent. If this were my credit card, this kind of suspicious activity would have been flagged and my account would have been locked. They clearly don't have good fraud protocols in place on top of not protecting their customers when fraud occurs.
Consumer complaint received 2023-01-09
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. (LA)

Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them. Pls handle this matter properly.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK (IL)

My tax refund for my XXXX federal taxes was deposited into someone elses account on XX/XX/XXXX. I bank with XXXX XXXX, my refund went into a TCF Bank account- not in my name. 
I gave contacted the Irs, several occasions, most recent time was in XX/XX/XXXX, stating that they requested the money back from TCF, with a 90 day window to respond. TCF never responded. IRS at this point tells me I have to go and deal with the bank directly. 
Before I contacted the IRS in XXXX, the IRS completed a money tracing, I got a letter stating the account and institution that the l mi bet was deposited, it was aTCF bank. I went in to local TCF branch, bank manager confirmed that my refund was indeed deposited into the account the Irs sent. He stated that someone at the bank had made a mistake clearing this refund into an account not matching the refund name and social security #. He took copies of all the documentation as well as my personal information, stated that it would be submitted to the fraud department. No one ever contacted me.

Again, I just contacted the Fraud department at TCF, spend about 2 hours on the phone with them, first person I spoke with confirmed the deposit, however stated that the bank couldnt do anything for me since I was not a client. Advised to called IRS again. I asked to be transferred to someone else, again the transaction was verified, I was told that the would be able to submit a refund request from that account, he placed my call on hold and came back to the line and stated that he was incorrect that I have to have a 3 way with the IRS for them ( irs ) to confirm it was my deposit. 
This has been going for about a year, I keep going by what the IRS is telling me, at this point I am extremely frustrated and dont know where else to turn, this refund was a little over {$4000.00}. 
I need help!! 

Ps I have filed a police report as well. It is still pending investigation
Consumer complaint received 2021-08-06
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: Mr. Cooper Group Inc. (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-06
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: BARCLAYS BANK DELAWARE (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In all my previous letters I have written to contact me BY MAIL ONLY, Wells Fargo Agents keep calling my wife business phone number, and they also told my wife they lost my phone number. A Wells Fargo Agent Call today from ( XXXX ) XXXX ; she told my wife that Wells Fargo does not have my phone number and that's why they keep calling her, I have been having business with Wells Fargo since 2013, so, I don't understand how they lost my phone number, regardless of it ; they are harassing my wife with their calls and they really don't understand I just want to communicate by mail.
Consumer complaint received 2019-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

Navient is billing me incorrectly. For years the amount of my payment due has been around XXXX. Since 2016 I began paying XXXX. In XXXX I made a payment of XXXX because it said I was overdue. It didnt make sense to me but Im trying to buy a house so I paid it. Then I called and they said they had made a mistake and they would credit my payments and I was now paid ahead till XXXX. I then logged in a few weeks ago and it shows I owe XXXX plus dollars in late fees! I called them and said this doesnt make any sense look at my payment t history. And even if that was the case when I overpaid when I made the payment of XXXX after they applied the amount to the normal payment of principal and interest the late fees should have then been paid. I dont have ANY statements or correspondence from them nor can they provide any that shows I have a late balance of XXXX plus dollars. When you look at my payment history you will see it for yourself.
Consumer complaint received 2020-10-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (LA)

The purchase date of the vehicle is XX/XX/XXXX, the vehicle was financed by XXXX XXXX XXXX XXXX, repossessed in the state of Louisiana, and sold by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. 
Under the laws of Louisiana and UCC 9.506 as well as State XXXX and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC :
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp (NV)

CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former client relations manager, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less!

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check.

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation.

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. I told him he was being condescending and that I didn't appreciate the way I w
as being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me.

I have a chronic illness which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is.

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (GA)

I decided to apply for a secured credit card with discover to help my credit score. They accepted my application and took {$500.00} out of my checking acct. i received the card and tried to spend {$25.00} at XXXX, i was denied. I called they told me they blocked my card to verify my information. I asked why didnt they do that before taking my money. But fine. I filled out the irs form they sent me. I received an email a week later saying they couldnt verify my personal information and they closed the acct. what did i do wrong? Why didnt they verify all of my info before taking money to secure my account? Now this is about to show up on my credit report as an inquiry and a closed account by discover. Which is gon na hurt my credit and i did nothing wrong. And i have to wait another month or more for my {$500.00} to be returned. How was my information verified? And how do i prove im me. If all they asked me to do was fill out and irs form and i did that.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (OH)

XXXX reported to Credit Karma that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (UT)

Barclay failed to wait for the police report to be finalized since multiple credit cards were fraudulently used. They closed my accounts are trying to make me responsible for fraudulent debts that I don't owe. 

They can relieve a copy of the police reports to remove the debts in my name. 

XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} DEPT OF ED/XXXX   {$36000.00} DEPT OF ED/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX   XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XX/XX/XXXX {$1600.00}
Consumer complaint received 2021-08-06
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 (DE)

Paypal closed my account for no reason and will not help me with geting 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 weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I was scammed into sending money. I know that was my fault on XXXX through my bank account. I tried to cancel the transaction. On the XXXX  it says while the transaction is pending it can be canceled. When I finally got someone on the phone after waiting a hour maybe he said it showed as pending. After being on hold for what seemed like forever I was told it couldnt be canceled.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MS)

I have a credit card with SHELL/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called Citibank and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SHELL/CBNA with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

Navient has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, XXXX  ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by Navient contradicting their claims yet they refuse to correct the erroneous reporting.
Consumer complaint received 2018-03-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A. (NE)

Please reference previous complaint filed with XXXX XXXX XXXX, case # XXXX. The bank has issued a response dated XX/XX/XXXX. Please note the response does not address our original complaint. 
A summary of the previous submitted complaint : An IRA CD was taken out with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. The amount of the IRA CD was $ XXXXPNC later took over XXXX XXXX XXXX Notification was never received from PNC Bank as to the disbursement of the IRA CD. In checking with other institutions there is additional paperwork required to transfer, close this type of an account ( IRS rules for and IRA CD ). Previously PNC was contacted in an attempt to locate my money. PNC was unable to locate any records of the IRA CD.  Instead PNC responded with reference to two other savings accounts. THIS IS AN IRA RETIREMENT ACCOUNT. PNC can not simply use the excuse there is no record of the account. It is incumbent of PNC to make sure there is proper paperwork for an open IRA CD. Justification would have to be made for IRS purposes to to track the location of IRA account dollars. It appears PNC " lost '' our money. Bottom line we have the paperwork it was an IRA CD. PNC should be required to produce their paperwork to justify they no longer have the money.
Consumer complaint received 2021-08-05
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. (FL)

I sent a dispute on XX/XX/2021 regarding inaccurate and unauthorized items on my credit report. I received a response from XXXX  XXXX XXXX and Equifax stating that items in dispute have been verified however, in order for validation to occur, according to 15 U.S Code 1681 ( a ) ( e ) ( exhibit attached ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates according to the FCRA 15 USC 1681 ( a ) ( e ) and this did not occur therefore the inaccuracies were not validated. Delete these inaccuracies and unauthorized items from my credit report immediately as you are civilly liable for reporting unauthorized, inaccurate information on my consumer report and each violation according to 15 U.S Code 1692k ( exhibit attached ).
Consumer complaint received 2017-11-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Good morning I need your assistance please. Back 6 years ago my wife died, she was the only name on our home mortgage at that time. Since then the mortgage company was XXXX, they had somehow given it to NationStar Mortgage, now known as XXXX XXXX. I was the executor of estate, i had submitted all the documents required to NationStar a good year ago. Since then the home officially became mine, and again submitted all the documents I was asked for. Well earlier this year i went to refinance the home, I called NationStar and was not not pleased with the interest rate they offered me, so I went elsewhere, and XXXX became my new mortgage company. After all was done I received a check in the mail from NationStar check number XXXX for the amount of {$960.00}, the problem with that it was made out to the estate of deceased wife. i could n't deposit it, so on XXXX/XXXX/XXXX at approximately XXXX i called and spoke to XXXX XXXX who redirected me to XXXX in Arizona XXXX I told him, and said within XXXX business days I 'll get a new check. Cool, I thought. On XXXX I did receive a new check for {$110.00} check number XXXX. Now i 'm getting a little annoyed so I called on the XXXX of XXXX and spoke to XXXX in Texas, who at that time said I would now need to prove I 'm the one paying the mortgage, and would have to mail in at least 1 years worth of bank statements. Guess they forgot I have done that months prior, and they take it directly out of my bank account, which she refused to look into. So! any help will be appreciated, wspecially if there is any penalty that can be included, besides the website, and social media I 'll be posting this too. 

Thank you in advance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX NationStar Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX LOAD NUMBER XXXX - LATE WIFES NAME XXXX XXXX. 
POLICY NUMBER XXXX
Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I dont understand why my loan went from {$5000.00} to {$7000.00}???????? That is unbelievale I can not afford to pay that off, I am currently not enrolled in school and currently not working, I dont know where to get that kind of money?????