davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Hi I was looking for new graphics card for my computer. The graphics card that I was looking for was the XXXX  XXXX which sells for {$1500.00} USD. While XXXX shopping I saw that XXXX was selling for {$400.00} + {$30.00} shiopping. In the description, it said to XXXX phone number XXXX before ordering where I contacted the person. The person said he does takes only bitcoins and XXXX. Since I did not have any bitcoins, the only option for me for XXXX. After going back and forth, we agreed that I will give 50 % through XXXX which is {$210.00} dollars. I sent the money from XXXX to XXXX XXXX email XXXX. Chat documentation is also attached. After few days, he sent me tracking information but it was for XXXX instead of XXXX or XXXX. Linked below Every day I was getting tracking it and I noticed that it said quantity was 5. I ordered only 1. when I inquired the seller, he said my employee sent 5 instead of 1 by mistake so since they have sent it I have to buy 3 get 2 free. I will need to pay to 2 more ( {$800.00} ). I said ok depending on what i receive. In the tracking it was showing it is crossing country to country when it was put on hold in XXXX. The Seller said XXXX XXXX is asking for {$200.00} for releasing it. This is nonsense, why would XXXX customs have it when it is coming to XXXX? After that the conversation with seller collapsed, he said he will deduct {$200.00} once it is delivered to me. But I did not agree. I then called my bank wellsfargo for reversing the transaction and they have sent me letter that saying there is no error and they cannor reverse it but they contacted the other banking institution, there is no guarantee that they will reverse this. Please ask the bank to reverse this electronic transaction based on regulation E. All documentation I have attached. Also, the bank will send me some documentation in 30 days which i will attach later. 


XXXX XXXX XXXX
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MD)

XXXX XXXX-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (NJ)

After opening a saving account, I learned from reviews online that bank if a fraud. It does not answer requests accurately ; invent obstacles and causes delays in answering the phones. And even when they answer the phone, they never address the problem. 

They put restrictions on my account, and I could not withdraw my fund and close the account. They kept saying they'll send a link and request a code, but nothing is what they say. They are blocking me from using my account since XX/XX/2022. 

They keep the person waiting over the phone, until he gives-up and hang-up. A very insolvent bank. Most reviewers for the bank rate them at XXXX and warn users not to use the bank. I believe the business should be closed and prevented from scamming people of their money.
Consumer complaint received 2022-08-29
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: I.C. System, Inc. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

I am a XXXX and will be XXXX years old this year. I borrowed {$42000.00} for combined XXXX and XXXX school. I have been repaying my loans on time since XXXX. I have never been charged a late fee and purchased my house in Connecticut in XXXX with a 2.7 % interest rate because of my good credit rating. I contacted Navient to ask why I still owe {$41000.00} after paying {$340.00} a month for 16 years. I was informed that there were fees such as " administrative forbearance '' that accounted for my present principle balance. I requested my payment records and each month that I make a payment, the fees cancel out that payment. I have done everything possible to pay this debt. I consolidated my loans and applied for loan forgiveness while I was working as a XXXX at XXXX XXXX XXXX and was then informed that I was not qualified because XXXX XXXX XXXX was not a participating facility in the loan forgiveness program despite the fact that we XXXX. XXXX XXXX XXXX outsourced our jobs in XXXX, four months before I would have been able to retire with health benefits. I am now working at XXXX, who just laid off XXXX of my co-workers. I have repaid Navient and XXXX XXXX {$65000.00} to date and still owe {$41000.00}. I can not pay this off. I contacted the Ombudsman at the Department of Education who said that it was normal for Navient to charge administrative forebearance fees. I later learned that the Ombudsman works for Navient. My Social Security wages will be garnished. I understand that the people who invest in the XXXX XXXX XXXX are guaranteed income and that the Student Loan Servicers, XXXX XXXX in particular, have had their stocks increase by 65 % since XXXX was elected. But I am not going to survive.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MD)

On XX/XX/XXXX I was advised that a collection account was placed on my credit report by MRS Associates on behalf of XXXX XXXX for a balance of {$1600.00}. Upon further investigation I learned that a utility account was opened using my information for service address XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I've never lived at this address nor do I know anyone who does or did. The account was opened in XX/XX/XXXX and final bill date was XX/XX/XXXX. I have lived at my current address in Maryland for the past XXXX years with no breaks. This is not my debt and is clearly a matter of identity theft. I have attached a copy of the police report as well as proof that I've owned and lived at my current address since XXXX.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I check my credit report periodically. I noticed that on XXXX, XXXX XXXX and XXXX there was a collection account from a company named Collection Bureau of Hudson Valley. The original creditor of the account is XXXX. the address of this company is XXXX XXXX XXXX XXXX XXXX, NY XXXX and the phone number XXXX XXXX XXXX The partial account number is XXXX and the address identification number is XXXX in the amount of {$320.00} In 2016, I was homeless and sought refuge in a rooming house with others. Because of my hardship I lived very primitive. On several occasions my room would be ransacked and obviously entered without my knowledge. Therefore, many valuables were stolen. 

Early this year I began to get harassing phone calls from the aforementioned company informing me of a debt that I had NO KNOWLEDGE of. When I learned of this being a cable bill, I quickly informed them that this was not my bill and I have n't had XXXX as a cable company ever. I only had XXXX XXXX  which is their rival company. 

I have repeatedly asked to speak to a supervisor and asked for written documentation with my signature and picture of license as this is a requirement when receiving utility services in the state of New Jersey and the company Collections Bureau of Hudson Valley has failed to do so.
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC (CA)

On XX/XX/2022, I sent a notarized Affidavit of Truth and Fact, listing the numerous Consumers ' Rights Violations committed on behalf of this debt collection agency, a copy of the Exhibit ( s ) providing visible proof of the violations, a Cease-and-Desist letter that included the necessary remedies I wanted to settle upon, as well as an invoice for payment of the violations. All of these documents were sent via USPS Certified Mail, and I am aware the company received the documents. This collection agency ignored my attempt to remedy the violation of my rights.
Consumer complaint received 2022-08-27
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. (SC)

someone has access to my personal info. I've been dealing with this issue for the past few years. I've tried disputing this with the credit bureaus but these fraudulent items still remain. I '' m also seeing someone still trying to obtain credit in my name because, im seeing a lot of inquiries, different addresses, and wrong employment info reporting as well.
Consumer complaint received 2017-08-14
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 — Investigation took more than 30 days
Company: Seterus, Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Seterus Inc. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MS)

My student loans were in an IBR program. I was not given the date when I would need to resubmit an application for the IBR program. I also did not receive any communication that a payment was due until my loans were close to defaulting. When i finally got approved for a new IBR program, i started getting emails about past due status and informing me tgat i could reply to tge email for a forbearance after i had already been approved for an IBR. I also got a letter in the mail for the first time stating that i was about to default on my loans. XXXX was also after i had just been approved for the IBR program. This resulted in receiving more than XXXX late payments on my credit report which I recently checked about two weeks ago.
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Date of transaction XX/XX/XXXX amount of money lost in scam : {$3000.00} I reached out to my local Chase branch @ XXXX XXXX XXXX XXXX, XXXX Ga XXXX to ask them for assistance in how to get my money back as I was scammed out of {$3000.00} by using XXXX through Chase. Someone hacked my trusted friends email account and asked if I could send XXXX for a purchase I had made on furniture we had agreed to. I sent it on XX/XX/XXXX and found out on XX/XX/XXXX that his email had been hacked and that never received the money. After several phone conversations with Chase after hours line, an in person appointment at this local Chase Bank, a phone conversation with XXXX where they refused to even let me discuss my case inquiring with them, everyone came to the consensus to tell me that there was nothing they could really do and there was a slim chance of getting my money back. My local brand did nothing to advocate on my behalf when I went in for an appointment. When I inquired about my consumer rights according to EFTA regulation 13, they said that I had no consumer rights in this manner. They could not even call XXXX to speak to them on my behalf. XXXX is deemed safe through Chase advertising, yet, when I called the after hours number with Chase they said " they didn't even recommend customers use it. '' When I signed with Chase I was not notified of this stipulation or cautioned about using XXXX. I have submitted a police report and was told chase would not submit it to XXXX as evidence. I have a police report and a witness that I wanted to submit with my inquire number Chase filed with XXXX, however, they refused to add it to my inquiry to increase my chances of getting my money back with XXXX.
Consumer complaint received 2022-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

My loans are through a company called American education services. I believe I took out the loan for XXXX or XXXX XXXX, in 2008. Since then I have paid {$35000.00} back of the loan. {$25000.00} of that has gone towards just interest. And I still owe {$56000.00}. They are charging me a crazy amount of interest. Ive been trying to pay, but am only paying the interest portion and drowning in this loan. And they told me they werent following the no interest for Covid, so I have been paying my loan and the interest for the past 1.5 years. In one month I paid {$1000.00} towards my loan, and all but {$100.00} went to interest. This is insanity and Im desperate for help! I have called the company, spoke to managers. They tell me my loans are private and no actions can be taken, but they are FFLEP parent plus loans. And my school closed down and the school was found fraudulent, so I was hoping for some sort of help.
Consumer complaint received 2019-11-27
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: JPMORGAN CHASE & CO. (IL)

I checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there. 

XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} JPMCB Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX   XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} JPMCB HL Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX   Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX  XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-11-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I have a VA loan with Wells Fargo, XXXX # XXXX. Our loan payment increased from {$380.00} to {$470.00} from XXXX to XXXX. This occurred because of increases to our escrow account. This I believe was due to XXXX XXXX XXXX company annually increased the cost of the our Home Owner 's policy. By XXXX it rose to nearly {$2000.00} per year. 

Our home is a single story brick home with XXXX bedrooms and XXXX bathrooms We purchased the home for {$54000.00} in XXXX and moved in in XXXX of XXXX. 

In XXXX of this year I wrote a letter to the Monitoring Unit at the XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX regarding the above noted issues. I have not been contacted by the XXXX. 
We would like to return to the payment of {$380.00} per month. Also we would request that the amount of difference in the two amounts be retuned to us for the years of XXXX and XXXX. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX Phone : XXXX
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I never had a loan with this school and for two years I have been attempting to rectify this problem and as of recently XX/XX/XXXX they are again ignoring my efforts. 

The specific dates are XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I sent correspondence from myself and an attorney has sent correspondence all have been left unanswered. As a result Im being garnished and I am paying out of pocket for my current education because I am no longer eligible for student loan financial aid because of the fraud. 

This is causing financial harm including higher interest rates for my care and not being eligibility to get a mortgage.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I purchased furniture from the XXXXXXXX XXXX XXXX store in XXXXXXXX XXXX  I was offered 24 months free financing from their bank, Synchrony. We ended up returning a piece of furniture and replacing it with something else. In the end, I had XXXX interest free promotions on my account, XXXX for 24 months and XXXX for 6 months. The 6 month promotion had a starting balance of about {$1100.00}, so I paid synchrony {$200.00} / month to pay off the 6 month promotion in 6 months. I was recently hit with over {$250.00} in interest charges. When I called Synchrony, they said that my payments were being applied to both promotions, so I did not pay off the 6 month promotion. I was charged 30 % interest on the full balance from day XXXX ( over {$250.00} ). Synchrony was unempathetic and rude when I called. This was not made clear to me when I was offered the financing. The statements from Synchrony do not clearly state how this works. There is also no option to pay off the promotions separately. They are lumped together on the statement. This practice is deceitful and designed to mislead consumers. Additionally, while the interest rate may be allowed by law, 29.99 % is also obscenely high.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (WI)

I've used CFPB before to help clear up other issues that I had before that the banks didn't want to do on their own. The response was always a positive one. So lets see if you can make it 3 for 3 I was hoping you can help clear up an issue with Fay servicing. My loan was sold to them a couple years ago up till now I never had a problem with them. The Issue is they have not filed a release with XXXX XXXX for the property that I paid off in XX/XX/2021. I have made repeated calls requesting this to be done but as of this date no one has responded. I was in the process of refinancing my house to get a lower interest and to pay off high-interest loans. But by not having the release I can not continue with the loan process. 

The state of Wisconsin has a statute that states that lien holders must file a release within two weeks of being paid off. It's been five months and they've had more than ample time to file the release. Their disregard for Wisconsin law is causing me financial difficulties. I hope CFPB can help Fay services to understand their responsibilities and that thy do not end just because the loan is paid off. They still need to file a release with XXXX XXXX.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Pacific Credit Exchange Corporation (CA)

On XX/XX/XXXX PACIFIC CREDIT EXCHANGE added an updated inquiry date as if they had accessed my credit report with permission. I havent contacted Pacific Credit Exchange for the month and year of XX/XX/XXXX. 
Pacific Credit Exchange had an inquiry on my credit report from XX/XX/XXXX which was scheduled to be on my account until XXXX of XXXX. I havent authorized anyone else to use my information to contact Pacific Credit Exchange or have I myself contacted them the month and year of XX/XX/XXXX.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (OH)

They call over an over everyday call from different numbers, they state it's a debt owed but it was paid to the original debtors harrass non stop an call before XXXX XXXX an after XXXX XXXX
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX 2016, I had three credit card accounts with Bank of America. I was using the option of recurring payments with two of the accounts. The third account had zero balance. I always made all of my payments on time and I never had any issues with Bank of America. In XXXX 2016 I began receiving various letters from other creditors informing me that my accounts were either being closed or the credit limit amounts were being reduced. I could not understand what was happening because I always paid my bills on time and I had never had any issues with none of my credit card accounts. I finally found out that Bank of America had closed out all three accounts and reported that I had not made any payments for three months, all the while they were taking payments out of my checking accounts. When I contacted them, a representative said that the minimum amount had been raised on one of the accounts and that is why everything is showing non payment, when in fact they were still deducting money from my checking account. Bank of America has caused me great harm because of them my credit status with my previous credit card accounts are gone and I am considered as a credit risk. This is not fair because no one from Bank of America informed me of anything. No one called or sent me any statements telling me what the problem was. This was their mistake and they should be held accountable not me. Is this what happens when you make your payments on time and never have any issues? PLEASE HELP!!!!