davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2019, I opened a checking account XXXX with Wells Fargo bank based on its online offer " Set up direct deposit and receive a cumulative monthly total of {$3000.00} in qualifying direct deposits into your new account for 3 consecutive months. '' And then " Your {$400.00} bonus will be deposited into your new Everyday Checking account within 45 days after eligibility and bonus requirements have been met. '' I called its customer care on XX/XX/2019 ( Ms. XXXX ), XX/XX/2019, XX/XX/2019 ( Ms. XXXX, Ms. XXXX ). They confirmed that 1. The {$3000.00} is the total of 3 consecutive months, not each month ; 2. The 3 deposits of {$500.00}, {$500.00}, {$2000.00} made on my account are qualified direct deposits ; 3. The requirement for the bonus was met and I would receive the {$400.00} bonus in XXXX of 2019. 
However, on XX/XX/2019, Wells Fargo said that the requirement is not met and hence no bonus. 

( The names of the above representatives is not accurate as they were my guess based on phone voice heard. However, as they said that all calls are recorded, the voice recording can be used to verify that what I said above is true )
Consumer complaint received 2021-06-03
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. (LA)

Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXXXXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Lease
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: BANK OF THE WEST (NE)

We, XXXX XXXX XXXX, have facilitated a consumer lease buyout for a customer through Bank of the West. We dropped off payment at our local branch XX/XX/XXXX. We first began calling regarding the title XX/XX/XXXX, since that date we have completed 5 calls each with a hold time of 45-57 minutes. There were 2 additional attempts at contact, but we had to disconnect due to the extended hold time. We have spoken with 3 different individuals, but have spoken with XXXX, employee id # XXXX, the last two times ( XXXX and XX/XX/XXXX ). 1st call- We have been lied to several times : told the title was an electronic title and it had been requested-it is not and never has been. It is a paper title since orientation. We were told it had been mailed to a branch in XXXX, it was not. 2nd call-I was told that title was requested and that I would receive a call within 24-48 hours. I did not receive a call. XXXX My associate called and asked to speak with supervisor, we were given XXXX. He advised that title would be sent XXXX and that we would receive a tracking number by Monday at the latest. XX/XX/XXXX I called in and asked to speak with a supervisor. Again I was given XXXX, I vented my frustrations, was told that he was unaware of the situation, so I then reminded him that he, in fact, was the last person we spoke with. He then told me that the title was in notary status and I advised that Nebraska titles do not require a notary and had not in over 25 years. I advised him that he had lied to me and that I had caught the bank in several untruths. I asked to speak with his manager and was told that there wasn't anyone else to speak to. I advised him that I would go to our local branch and at that point he told me that there was a manager that he could leave a message for and that it would be a 24-48 hour call back time. Upon ending the call I did reach out to the local branch, but it was closed. I called the customer service line for checking, gave the supervisor there, XXXX id # XXXX, the information for XXXX and he advised that he would also send a message to XXXX 's manager. At this point it has been beyond 30 days since payoff. My customer has assessed DMV penalties and is unable to drive their vehicle legally.
Consumer complaint received 2018-11-21
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: U.S. BANCORP (TN)

Around XX/XX/2018, I disputed 3 charges of {$250.00} from XXXX XXXX XXXX. I cancelled this warranty on around XX/XX/2018 when I put a claim in and they denied it I probably should filed with CFPB on this about them but didn't. I told them to cancel and on around XX/XX/XXXX, I disputed the charges with my credit card. when XXXX refused to refund all my money. They charged me {$750.00} for a {$500.00} warranty. They refunded me {$250.00} but I'm still waiting on the rest. US Bank claim numbers XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, US Bank requested more information. I sent them all the information including emails I had with this company and contracts. on XX/XX/2018 by Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX it arrived at XXXX. On XX/XX/XXXX, US Bank reversed the provisional credits. Sent me 2 letters dated XX/XX/XXXX. and arrived here onXX/XX/XXXX. They say in the letter they didn't receive the additional information in time. It wasn't even 30 days. I have federal logs showing my location date and times that show I have not been home to respond to any of this as quick as they want. Request your assistance in getting my {$500.00} credited back to my credit card.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX the XXXX family froze it I need a hearing I reported XXXX XXXX XXXX XXXX who files new mortgages daily XXXX harassment XXXX XXXX XXXX terminated my employment demanding XXXX XXXX XXXX drug addict woman I filed bankruptcy ch XXXX XXXX XXXX XXXX XXXX I need a loan to file legal proceeding XXXX XXXX appointed XXXX XXXX XXXX appointed assembly he arrested XXXX XXXX XXXX XXXX gaming commission The XXXX XXXX XXXX XXXX human service XXXX @ XXXX XXXX move int XXXX XXXX please read XXXX XXXX XXXX please XXXX XXXX / XXXX XXXX IRS / XXXX the check XXXX XXXX XXXX restraint XXXX XXXX 2001 XXXX XXXX crash crew XXXX XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXX
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MI)

I purchased a house in XXXX of XXXX, this mortgage has since been purchased by PNC bank. The issue is I've paid ahead on my mortgage, one of the primary reasons was to remove PMI from my loan. I called to understand how to go about getting this removed, the lender states I need to get an appraisal on my house that costs {$500.00}. In reading up on removing PMI, it appears that a lender is required to remove PMI at 78 % loan to value. I was notified by PNC that this is not the case, a disclosure I signed in the original loan states " ambiguously '' that this is date driven, and calculated at the time of origination. This means that I can wait until XXXX when they are required to remove PMI or I can pay them to have their " appraiser '' come out, and re appraise my house. At which time it will be removed. How is this legal?? This is a form of extortion and a primary reason the CFPB was created.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account with Wells Fargo, and i wanted todeposit acheck that was in my name.. They said i could come back next day to withdraw some money out.. Myself n daughter n her friend went back next day in afternoon to withdraw cash out, after doing so we ate lunch n got a text message from bank saying it was fraud and the bank froze my account .. Didnt rexieve a debit card in for like 5-7 days from them.. I was told to call this number about this fraud that appeared on text messages .. We called the number n was put on hold for long tome .. We ended up going back to Wells Fargo and to ask questions of the text message i had gotten.. The bank looked at the text messagges on my cell n then looked at each other ( Tellers ) then said we cant do nothing cause the text nessage had froze your account. Told them i just opened one account yesterday n now you freeze my account? Let me have my mkney i told them .. they refused saying my account of new was frozen.. I called the same number on text i recieved day before n the fraud number i called they had said j had no fraudelant on my account i just opened two days before n yet bank lied said my account was frozen whdn it was not. Then i got my card in mail debit card fromwells fargo, had went to XXXX to huy food n stuff for my daughter, again wells fargo had froze my card saying it was fraudelant n called the njmber once again from first fraud message n guy told me my accojnt will be closed by XX/XX/ 2022.. They made me feellike i was criminal and had no fraud on my account whatso dver.. I went into bank wells fargo n withdrew all my cadh i depiosited nclosed my account after breakibg down feeling like i was some kknd of criminal .. Never again with this bank Wells Fargo XXXX They also said once
Consumer complaint received 2023-02-16
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: CBC Companies, Inc. (GA)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Consumer complaint received 2022-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IA)

When going to pay my mortgage today I was told I could not make a partial payment. My partner and I have been making partial payments ( half and half ) on this exact mortgage for over two years since their online services were so messy. Now I'm told I have to visit a branch to make a partial payment ... I live in Iowa, there are no branches here. 

Previously, in XXXX of 2021, they accidentally double charged me and resolved it by wiring back in the second payment, incurring a {$10.00} domestic wire fee with my bank. After multiple attempts to be reimbursed for this charge, the bank has continued to do nothing to fix it. This has been an issue since XXXX.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MI)

I opened the account at the in XXXX and my open date was changed along with statement information such as deposit amounts and credits within the bank. I just as called by the personal banker at heineins XXXX Ohio branch to come back and sign another document to verify identity of me being the owner of the company when the information was provided at the beginning this was around about XX/XX/2020. I advice him that I had signed this document already but signed again anyways. He stated that they didnt have it and needed it signed again and resubmitted. Then on XX/XX/XXXX I experienced a decline with the same account was told to call and I spoke with someone and he stated that it came up that I was in California and I wasnt. I couldnt make transfers to access my money and I wasnt told anything but to call my branch. I called my branch and spoke with my personal banker XXXX and he said he didnt see anything wrong with my account and that he would issue me another card but when I tried to use it. It came back decline again while the branch was closed I called the XXXX number and the lady told me that a representative named XXXX closed my account and it says that he needed more information on the business. I am very disgusted with whats going on and would like XXXX to stay out of my account or whomever is deleting documents that verify the business that is available in the state website by the way
Consumer complaint received 2020-08-11
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)

To : XXXX XXXX  Dispute Equifax  RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account. 

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid. 

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/2020, I sent a payment in the amount of {$2500.00} to Chase for my XXXX account. On the statement that reflected the payment was received, I was comparing my balance changes, to determine how the payment was applied, and the balance differences on one statement to the next didn't add up to the {$2500.00} I submitted! Where was the missing {$800.00}?! I contacted Chase, who said they would escalate the issue, simply asked that I keep making payments.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (CA)

i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I owe a bill with XXXX XXXX I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into ICU do to XXXX XXXX. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XX/XX/2022. My house note is XXXXmonths behind and doing my best to catch up. Please see attachment for date and amount. Thank you
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I hope all is well. The reason why Im writing is because my XXXX XXXX credit card is not showing up on Experian credit report. Can you please put my XXXX XXXX credit card on my Experian credit report. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2020-08-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Direct Mediation (TX)

Got a text message early today from phone number XXXX, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. 

So I called, and this guy by the name of XXXX XXXX answered, without identifying the name of the company not giving me a debt collection warning or anything. He was asking me to confirm my information, which he had already in hand ( name, date of birth, social security number, place of employment, and old bank account info. ). He was also being very rude. I kept on asking for his name and the name of the company and he would say it very fast and would get agitated. I told him I think youre a scammer and he went off on me. He started screaming at me, saying that it was a shame that Im a cop and I cant pay a {$400.00} debt. And that he was going to give me a courtesy, but instead he threatened to file a lawsuit for  harassment and file criminal charges against me. 

He also stated that the debt was from a company called XXXX XXXX, and that he was representing them. I would repeatedly ask for his name and the name of the company he worked for and he rudely told me Learn English! And grab a pen!!!!. I was very offended by that. Rude and unprofessional! He stated he worked for a company called First Direct Mediation, based out of XXXX, NY. I also kept on asking to speak to his supervisor or manager and he was saying he had no supervisor or manager, that he worked for himself. All while raising his voice at me. I was at the doctors office on an appointment when this call happened. I told him I had to hang up because I was going to see the doctor and he still acted rude towards me and hung up on me. 

I then immediately searched in XXXX the name of the company and found the website and called and asked to speak to a manager. My call was transferred to a a gentleman named XXXX who identified himself as the operations manager. He seemed more reasonable and respectful. I told him about what happened and I asked if an individual named XXXX XXXX worked there. He confirmed to me and apologized about Mr. XXXX behavior. I also advised XXXX that I will be reporting this to an attorney at a consumer law firm. He apologized once again and said he will listen to the recording of the call with Mr. XXXX. 

I have spoken to an attorney at a consumer law firm and they will be taking action and investigate further into this company and the actions of XXXX XXXX. 

I submitted this report to the CFPB for record and so the CFPB can also see the abuse of debt collection companies and not much is being done about it.
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA (NJ)

I am wrote them in response to their letter dated XX/XX/2020 as an Outside Counsel to XXXX   XXXX XXXXXXXX XXXX. 
The information they provided was not the full history, its partial information. They did not validate enough information, I asked to provide from inception. I see inaccuracies on the statement. I am not in possession of that card in several years.
Consumer complaint received 2020-08-07
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. (NY)

On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX  and XXXX. But Equifx has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XX/XX/XXXX to all three agencies. I still have not heard from Equifax. Please demand they start their investigation.