davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, my husband and I sold a puppy to an individual who paid us in good faith through Paypal. I received a notice from Paypal that there would be a hold on the funds for 3-5 business days, which I completely understand. When I hadn't received my money by the 5th day, I reached out to Paypal and was told that the buyer 's bank hadn't released the funds. This was a complete lie, as the bank had released the funds on XX/XX/XXXX. Then, for some inexplicable reason, on XX/XX/XXXX Paypal asked the buyer to cancel the transaction and re-send the funds, but to wait 4 hours. She again sent payment through Paypal on the evening of XX/XX/XXXX. During a XX/XX/XXXX call, the rep tried to tell me yet again that the bank hadn't yet released the funds and also and told me the funds would " without a doubt '' be released by the end of the day. As of XX/XX/XXXX, Paypal is still holding my funds and won't give me any explanation as to why or any indication of when ... if ever ... I will get my money.
Consumer complaint received 2019-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

To whom it may concern my name is XXXX XXXX The house was on XXXX XXXX XXXX XXXX XXXX pa XXXX loan # XXXX. 
Some where around XXXX and XXXX I applied for a loan modification with Wells Fargo my lender I applied over and over never to receive a answer of a loan modification the house went into foreclosure and I was evicted in XXXX.
Consumer complaint received 2019-06-01
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: JPMORGAN CHASE & CO. (VA)

Chase Bank is on my credit report after paid in full/settle in full, it show a derogative narrative under their name for me. It does not state paid in full. the cost is still there as if the account is still open. This account should have closed and paid over 5 years ago. Considering they were paid why is it still derogatory information? It states the account is derogative and is causing me undue stress and anxiety.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC (CO)

My husband and I have been working with XXXX XXXX, a mortgage broker, in XXXX XXXXXXXX. They found a mortgage lender for us, Stearns Lending, at a 2.5 % fixed rate for a 30 year mortgage and we were subsequently approved for the mortgage. 

XXXX XXXX ordered the appraisal on XX/XX/2021. Stearns Lending then ordered an exterior only appraisal, despite the fact that an exterior only appraisal was NOT approved through the Automated Underwriting System ( AUS ). Our understanding is that the lender plugs into the AUS and delivers the conditions based on what XXXX XXXX grants. As a result of the actions of Stearns Lending, we lost 24 days in a bogus appraisal process and the mortgage broker didn't get the exterior appraisal until 42 days after it was ordered. We lost our 2.5 % rate lock because we lost the entire month of XXXX awaiting the exterior appraisal that Stearns Lending had inexplicably ordered, which ultimately ran out the clock on our rate lock. 

The mortgage broker outlined the chain of events to the Stearns Lending account representative, who acknowledged the error, but refuses to honor our original rate. We subsequently contacted the Executive Vice President of the Wholesale Lending Division of Stearns Lending, who also refused to honor the original rate and suggested that our broker contact the account representative, which he had already done, to no avail. 

This has caused us irreparable long term financial harm since rates have now gone above 3 % and are unlikely to fall to the level that we locked in. So we are currently stuck continuing to pay hundreds more per month on our current mortgage and the lender is unwilling to honor the original rate lock of 2.5 % despite their gross negligence.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On yesterday, XX/XX/2018, I received a Bank notice in the mail that documented : " Here is your Personal Identification Number : XXXX  ; For your Card : XXXX ; You can use your PIN to access your accounts 24/7 with your Chase Debit Card or ATM Card at any ATM. If you prefer to change this PIN, please visit your nearest Chase branch. If you have questions about using your card, please contact us at : ( XXXX ) XXXX ; Quick Tips about protecting your card *Never write your PIN on your card or anywhere it can be discovered - like your wallet or your purse. ; *Never leave your transaction receipt behind. ; *Never give any information about your card or account to a stranger or to anyone who calls you over the phone. ; and *Be aware of your surroundings as you approach the ATM and while conducting your transaction. NOTE : If your card is ever lost or stolen, please contact us immediately at the number listed above. '' On or about XX/XX/2018, I visited a Chase branch to change my personal checking account PIN ( my " exact same '' checking account referenced above in this writing/filing ) from the " Personal Identification Number '' documented in the Chase Notice received on yesterday. I have " repeatedly '' requested, that this bank ( and bank representatives ) change my PIN # back to my " NEW '' PIN # ; CEASE and DESIST their ongoing practiced reprisal/retaliation and DISCRIMINATION ( locking me out of my personal checking account ) by using my " old '' PIN ( used prior to XX/XX/2018 ). I have NEVER wrote my NEW/OLD PIN on my card or anywhere that can be discovered-like my wallet or purse. ; I have NEVER left my transaction receipt behind. ; I have NEVER given any information about my card or account to a stranger or to anyone who have phoned me. ; I am aware of my surroundings ( to the best of my ability ) as I approach any ATM and while conducting my transactions. Chase bank, maliciously changed my personal checking account PIN " internally '' back to my " old '' PIN ( after I have already visited a branch and specifically changed my personal PIN. Therefore, it is the banks job, to change my PIN back to the PIN # chosen by me on or about XX/XX/2018. ALL supportive documentation, will be faxed to the CFPB. THE END!
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

This debt collector has been reporting negative and inaccurate information thats hurting my credit and will like for you to investigate this account. I under went a XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated credit report.
Consumer complaint received 2019-06-01
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: SYNCHRONY FINANCIAL (AZ)

Unauthorized account ownership of a store credit card. I was helping a friend out with car problems and he didn't have the money to pay for new tires. I agreed to be an authorized signer for a discount tire store credit card. Not an owner of any sort because I didn't want it to be part of my credit. I was deceived and misinformed by the employee of discount tire, he said I wouldnt be an owner or liable of the account if they use me as an authorized signer to help my friend get approved. I signed not knowing what I was signing because I was young and they made it seem I wouldnt be affected at all. This took place around XX/XX/2016 at the discount tire store on XXXX XXXX XXXX, XXXX, AZ. Ever since Ive been trying to get this corrected and off my report and nothing has changed when it was never authorized. It says I am the sole owner of the account which I never agreed to be an owner but it doesn't report on my friend at all when he signed paperwork in front of me to be the sole owner of the account and it shows up in my name? I feel mistreated and abused by discount tire for putting  something in my name only when we both signed the paperwork but I only signed as an authorized user to help his approval odds.
Consumer complaint received 2019-06-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I was contacted by a man from XXXX XXXX XXXX XXXX that said he was an attorney. He stated that I owed $ 2000+ with Ace Cash. I knew about the debt. I had stated to him that I had fell on hard times at the time and was struggling to stay above water. He kept threatening me with a law suit being filed in my local county court and that I was looking at wage garnishment and or possibly jail for Fraud. He threatened and bullied me into agreeing to give him my debit card information that now has my account way overdraft. He was short with me one rude on the phone. I am a truck driver that works many many hours away from home. I kept getting the harassing calls all hours of the day while trying to rest so I could continue driving to support my family.i had even requested for everything in writing and mailed to me. Nothing was mailed at all
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

We sent many documents to this company to work with NationStar/Mr. Cooper on our behalf. Every application was denied. We later found that the information concerning our income was incorrect. But at this time we have submitted an appeal of the decision but we have not heard anything from Mr. Cooper concerning the appeal and the submission of new documents, We have XXXX children and we sincerely need our home. 
Before we contacted XXXX XXXX XXXX we tried to talk to Mr. Cooper they wouldn't talk to us or give us any information. 
They filed foreclosure against us and had an auction date for our home before. 
The XXXX XXXX XXXX told me to file bankruptcy to stop the sale. I thought they were going to file it for me but they told me I had to do it my self. I did file and now we have the appeal submitted and the bankruptcy has been dismissed. We are very nervous that a new auction date will be given to us and we could lose our home. We do have money saved to pay toward a good faith payment if they would only give us another chance. Please help us all you can. 
Thank You
Consumer complaint received 2019-05-31
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: CITIBANK, N.A. (MA)

There is an inquiry that was placed on my credit report on XX/XX/2018 from SHELL/CBNA, I sent the company a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. I received the copy of the application today XX/XX/2019, this application was submitted fraudulently.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

On XX/XX/2019 I bought a Visa gift card from XXXX in XXXX, CA. I paid {$320.00} for the gift card and {$310.00} was loaded onto the card due to the {$5.00} fee from Visa for buying their gift cards. I paid for the gift card completely in cash so there is no way to take up this issue with my bank. The first time I attempted to use the card was in person at a restaurant ( after I called the number on the back of the card to activate it ) and it was declined. I called the number on the back of the card again to check my balance and it said I had {$0.00}. I called the same number and spoke with a representative from the card company who told me to fax a copy of my receipt, card ( front & back ) and my driver 's license to the number they gave me. I tried 4 times to fax this and the fax wouldn't go through. I called the number a third time and spoke with another representative from the card company about how a prior representative told me to fax my information but that it wouldn't go through. This representative mentioned nothing about a fax and instead transferred me to someone else who said I needed to file a dispute form and recorded a portion of the phone call where they asked me a series of questions about the card, including if there were police involved and a police report. When I finally got the form, the form said I had 10 days to fill it out and send it. The representatives never told me this information and it was already past the 10 days when I had called the number that third time. I called a fourth time and explained to a different representative what the first two representatives had told me. I was put on hold multiple times and finally given a correct fax number by the representative. They said that someone would email or call me once they had received the faxed documents to discuss about getting me a new card. I faxed the documents again to the correct number and they went through but it has been over two weeks since that fax and still no one has gotten back to me about a replacement card. I have been attempting to get a replacement card since XXXX and it is now XXXX.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (GA)

MLA and SCRA caps interest at 36 % This company set an interest rate for loan at 35.950 % plus a prepaid finance charge of XXXX and APR finance charge of XXXX. During this time my allotment was not sending payments for some reason. Omni financial failed to utilize my bank account listed as a backup option to draft funds for payment. Instead, they practiced dishonest measures to tact on more interest, significantly exceeding the 36 % percent cap and creating a balance that is consistently gaining interest despite monthly payment. Omni Financial is targeting military members with their extreme dishonest lending practices. Omni has violated Military Lending Act. Please Help!!
Consumer complaint received 2021-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (IL)

I opened a new account with Wells Fargo in early XXXX. I decided to use it for more of a direct deposit account. Anyways On XX/XX/21 I noticed there were 16 XXXX transactions that were made from my online account plus there were 2 additional names added to my XXXX account. I called Wells Fargo letting them know about the XXXX transactions and they were very helpful in making a new account. Changed my password and said they were filling a fraud claim. They said it could take 10 business days which I understood just wanted to get it handled. I called 3 separate times with the 2 weeks and was never really told anything helpful. Then the 10th business day arrives and they tell me that my claim has been denied. Around XXXX dollars was stolen from my account and they tell me sorry nothing we can do They of course deleted the 2 names from my XXXX  account but they are still claiming it was authorized!
Consumer complaint received 2020-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

I am writing to express my continued disappointment in Loan Depot 's inability to appropriately manage my escrow account. This is a failure that originally occurred with last years analysis, was corrected following weeks of explanation, only to occur again with the 2020 escrow analysis. At this stage, Loan Depot has failed to remediate the issue and has ceased all communication ; hence my escalation to you. 

Below is a summary of the issue : - My property sits on two separate lots of land ; one in XXXX XXXX, the other in XXXX XXXX. As such, Loan Depot manages two separate tax lines for me - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX ] is in the amount of {$1800.00} which is accurately reflected on the escrow statement dated XX/XX/2020 - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX XXXX is in the amount of {$2.00} which is erroneously stated as a {$1800.00} projection in each instance on the escrow statement dated XX/XX/2020 - It appears as though the XXXX XXXX tax liability has been doubled, resulting in a substantial escrow shortage and even more substantial monthly escrow deposit amount increase each month thereafter - As noted above, this is the second consecutive year this has happened - On XX/XX/2020, the new mortgage payment, including the recently analyzed escrow amount, was withdrawn from my account in the amount of {$2200.00} [ up {$360.00} from previous months ] - On XX/XX/2020, a written complaint was sent to Loan Depot expressing my disappointment in their ability to appropriately manage the two tax lines, requesting an immediate reanalysis of my escrow accounts and a refund of the XX/XX/2020 payment overage - On XX/XX/2020, I received a voicemail from a supervisor at Loan Depot who simply read the details of the escrow analysis to me before stating that the complaint was considered closed ; it clearly is not - On XX/XX/2020, I called Loan Depot to escalate the complaint. They stated a manger would call back within 24 hours. This has not happened to date.
Consumer complaint received 2019-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (MD)

I had an account set up with M & T Bank 2016 some time i believe in XXXX and some one accessed my account and overdraft my account up to XXXX  dollars and my account was flagged and closed being that i don't know too much about bank accounts and how they work the problem was never resolved.this account was opened in XXXX XXXX XXXX.I 'm just seeking to have this resolved being that XXXX dollars was taken when i made a deposit at the atm machine and i knew nothing about the overdraft.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (WI)

XX/XX/21 Ran credit report on myself to check credit score. 2 revolving credit cards were listed on the report which are not my accounts. I reported the disputes to credit bureaus : XXXX, XXXX XXXX and XXXX. I spoke with both creditors to verify these are not my accounts. One of these accounts was removed from my credit report as it was deemed to not be my account. The other creditor claims that the information they reported to the credit bureau was accurate and it is my account. This is NOT my account!! 
The creditor is CBNA ( CitiBank North American ) It is a Sears revolving credit with a balance of {$19000.00}. This is not my account and has effected my credit standing. This is my report from credit bureau XXXX : Remains CBNA Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I am very upset that this is on my credit report and would like to complain that this Company is not resolving this issue. I need to know what to do next.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (IN)

Financial hardship due to pandemic paid a fews days late in XX/XX/2020. Asked for forgiveness and correction of credit report by removing late payment/fee.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I went to purchase a dog through a website at XXXX and it was fraud. When communicating with the guy who was selling the dog he told me the dog was XXXX. He told me to purchase the dog I need to make a payment through XXXX. After I made the payment he told me the dog will be delivered the next day. The next day I received an email saying he needs more money for a " special '' crate otherwise I cant get the dog. He told me the special crate ranges from XXXX - XXXX. I told him he's lying and that this is fraud. When I called chase on XX/XX/2021 explained to them that the purchase for XXXX was fraud chase said theres nothing they can do. I called my local police department regarding this and they told me to contact my bank to let them know this was fraud. I have also reported this incident to the Federal Trade Commissions. Not to mention the website is gone and the guy I was dealing with is no longer responding to me. Additionally, I have called XXXX to let them know that the XXXX transaction was FRAUD, XXXX told me to contact my bank to dispute the transaction. I called Chase again on XX/XX/2021 explaining the situation AGAIN and that XXXX told me to contact them about this. Chase response was " There's nothing we can do, you authorized the transaction ''. Here I am being honest telling Chase this is fraud and they keep telling me " theres nothing they can do ''. Nice company!!! I asked Chase why didnt they contact me knowing that an XXXX dollar charge in my checking account went through which chase approved. Chase 's response was " We are not going to verify every transaction on your account ''. Ok but if a tranasaction for over XXXX that was done through XXXX taken out of my checking account shouldnt Chase question it???? I was involved in Fraud and all Chase is saying is THERES NOTHING THEY CAN DO. This was fraud!!! I am asking for Chase to put the XXXX back into my account considering this was FRAUD. 
I have the emails, a phone number, and text messages that were between me and the guy that was selling the dog.
Consumer complaint received 2020-11-27
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.