davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

My mortgage experience with XXXX XXXX at Wells Fargo Home Mortgage has been ridiculous. I met with her XX/XX/XXXX to get pre-approved for a mortgage. I provided income verification, banking info and she pulled my credit. She said I was pre-approved and I went house hunting. I made an offer on XX/XX/XXXX on a condo. Due to negotiations and the seller not having email, the final contract date was XX/XX/XXXX. I told her verbally during that time that I was going under contract for a condo and what the sales price was. She received the contract from my agent on XX/XX/XXXX with a contract closing date of XX/XX/XXXX. The appraisal was done on XX/XX/XXXX. I provided all documents requested in a timely manner. My company provided all requested info in a timely manner. There was no mention of not ever making my closing date. The date approached and I was told that it was in the condo dept waiting on approval. Daily, I was told, maybe we would get something today. That was all a lie. On XX/XX/XXXX, I was forwarded an email from my agent that she received from the condo association. The association said that Wells Fargo should have everything they needed from them and that they had sent the required condo questionnaire fee via regular mail instead of overnighting it. Giving 3 days mail time and 2 days for the association to process the questionnaire, that means that WF did n't even order the questionnaire until right at my closing date. So, what was the condo dept reviewing for several days if they did n't have the info to review? Stall tactic and lie. It is now XX/XX/XXXX and we still do n't have a confirmed closing date. Wells Fargo, XXXX XXXX and her processor, XXXX, dropped the ball. They have cost me time, money and frustration. She knew that I travelled extensively. I was supposed to close on XX/XX/XXXX and travel to XXXX XXXX ( condo location 6 hours away ) on XX/XX/XXXX to prepare the condo for moving in. My girlfriend and I both took time off work to go down there. We offered to drive down there on several occasions for a closing to save them the time of mailing the closing package to the WF office where I was originally closing. XXXX asked me my drop dead date for closing. I told her Wed. XX/XX/XXXX because I was leaving to go out of town for work on XX/XX/XXXX for 3 weeks. I do n't know why she even asked. She knew she could n't close the loan during that time frame. I have felt " held hostage '' by the mortgage company with this daily back and forth with promises of approval today. I would have switched mortgage companies if I had known then what I know now, but I did n't want to start over and take more time when I thought I was so close to being done. Now the seller is threatening me that if I do n't close Tuesday XX/XX/XXXX that he will charge me {$1000.00} to extend the contract. My girfriend was in the mortgage business for 15+ years and says this is the worst transaction she has ever seen. She is the one who said that I should file this complaint.
Consumer complaint received 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NBT BANCORP INC. (TX)

From NBT Bank- Got a personal loan almost 2 years ago, I always pay early. Been working hard to get my credit rating XXXX. About XX/XX/2023 something happened at NBT Bank. Although I make my payments early and the withdrawal is taken out of my checking account, NBT Bank for the past 4 months has sent me letters stating they did not get my payments and are charging me a {$5.00} late fee. I have called several times and even sent copies of my bank account showing the payments have been made- the first {$5.00} late fee was refunded but still have 3 more. Getting really tired of calling the Customer Service number, showing my account proving I made the payments on time, and repeating this action on a monthly basis and still getting late fees and possibly ruining my credit rating.
Consumer complaint received 2024-01-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Vanilla Visa ( vanillagift.com ) card received XX/XX/2023 and although it shows as active with a {$25.00} balance, it has been declined by 2 restaurants, XXXX, XXXX, XXXX XXXX, and XXXX on XXXX. At the service phone of ( XXXX ) XXXX it is impossible to get a human response. 2 calls today. Via search engines, I see many complaints raised about similar issues. This is a scam.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (VA)

I received a boilerplate letter from PennCredit that had a description " state of MD Taxes '' and said I owed XXXX from the 2017 tax period. Case number XXXX There is no other information on what this debt could be. I have tried to call the state of MD treasures office several times and several of their different lines, but have never had my call get connected, even after leaving the phone on hold for over an hour. 

I also called PennCredit on XX/XX/XXXX, and they said they did not know what the debt was for other than " taxes '' and asked if I had paid my taxes for that year, which I had. 

I said I needed to know what their debt could be and that I thought it was an error since I had only lived in Maryland for one year, had never received any notice from Maryland despite forwarding my Mail, and had never failed to pay any taxes. PennCredit told me to send proof I had paid my state taxes in 2017 to them at XXXX, which I did. 

I received nothing back and have not heard anything from them until today when I got another notice with the exact same description information now saying. " failure to contact our office leads us to believe that you do not have intentions of resolving your just debt ''
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (CO)

Hello, I was a regular user of wise payments ltd. I recently received a mail from them that they have deactivated my account and I also have funds in it. It's been XXXX  months I have been contacted them several times but didnt get a good response from them. Because of my funds holding in it my business has been stopped.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper engaged in fraudulent and deceptive practices over the past 5 months in an attempt to place me in a loan product that was not requested or desired and did not remove the new loan plan after I requested it be removed. 

I lost my job in XXXXXXXX XXXX XXXX and immediately contacted the Mortgage Assistance Department at Mr. Cooper. This is step one of the deception, as that office is called internally as loss mitigation. There was no actual traditional mortgage assistance available, only loan modifications. 

Mr. Cooper 's automated phone system would not recognize simple commands during this time ( such as requesting the loss mitigation department, or asking for a representative ). During the 5 months I had to call in, each time would take multiple attempts to actually speak to the correct person. I believe this was intentionally done by Mr. Cooper so that individuals like myself could not speak to anyone and would be intentionally forced into loan products that only benefited Mr. Cooper. 

After almost 6 weeks of attempting to comply with requests for more information, I received a letter stating they had initiated a loan modification, increasing the terms of my loan by 10 years. I reported that I did not wish to have my loan modified and it was agreed upon verbally. 

However, when I went to make my regular mortgage payment it was applied to the new loan modification, not my original loan. It took several more calls to get the matter straightened out. 

I am an advocate for myself and fair treatment. I bring this concern because I imagine that many more people were stuck in the same circumstances and ended up being forced into loan products due to the inability to speak with a representative on the phone.
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (DC)

I responded to an promotion from SunTrust Bank to open a new checking account. The promotion was to award me {$200.00} when I had performed a direct deposit of at least {$2000.00}. I did XXXX such direct deposits within the first 60 days, yet SunTrust has not awarded the bonus. The " Promotions '' department says that I do not qualify but will provide no reason why. The local representative at the bank has said that according to his records, I do qualify. I have not received a promised call from the person responsible for this promotion with final resolution. The bank owes me {$200.00} and has not paid it.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX. has placed an account for collections on my credit reports. Not only do I have zero knowledge of this account, but I've had issues in the past where this company continues to attack my credit report without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (CA)

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

XXXX  XXXX XXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23. 

XXXX  XXXX  shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} opened on XX/XX/23.
Consumer complaint received 2022-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX is complaint about defective chair purchased I sent receipt there with pic of broken defective chair with original complaint I am asking merchant to replace chair with another one see receipt as there is a desk and chair purchase I am only discussing chair If merchant does not want to exchange manufacture defective chair then I want credit back and will purchase another chair XXXX is mistaken complaint for another purchase I inadvertently sent wrong receipt Please re-bill {$64.00} for XXXX XXXX purchase PLEASE send statements for Cap One statements XXXX XXXX XX/XX/XXXX and statements XXXX thru XX/XX/XXXX I asked before but not received any
Consumer complaint received 2018-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually paid a ahead.Ref
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (CA)

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in XXXX to three weeks. 

My XXXX XXXXt report shows the following : XXXX XXXX card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX ACCT # XXXX
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

XXXX XXXX in XXXX reposed a vehicle from me. The loan was through XXXX XXXX. XXXX XXXX sold the automobile after repossession from their car lot instead of auctioning it. XXXX XXXX then sent me to collections saying I owed them {$5000.00} and Proficio Financial in XXXX XXXX Washington reported the debt on my XXXX report as owing over {$14000.00}. After receiving notice of my complaint, Proficio reported to the Washington State attorney general that they had made an " input '' error. I disputed the debt with Proficio and they have mailed me nothing to show the debt is valid. XXXX XXXX is acting like hteye are a lender not a car dealer and this is harassment from them. They also illegally repossessed the car in the first month I owned it because they " forgot to take it of the repo list '' At that time I was current on my contract.
Consumer complaint received 2016-12-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (VA)

I have repeatedly requested information/ VALIDATION on this alleged debt, bearing my signature and/ or any contractual agreement. To date I have yet to receive ANY communication from this company. I first found out about this alleged debt, when I pulled my credit report on XX/XX/2016. All of these acts are a violation of the FDCPA and the FCRA. Failed to validate-FCRA section 609, Reported a debt to Credit Agencies, inaccurately ( US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ), failed to report a debt disputed as a collector-FDCPA Section 807 ( 8 ), did not validate the debt and reported it to the Credit Bureaus-FDCPA section 809 ( b ). These are just a few of the violations. I have never done any business with JH Portfolio Debt Equities, never signed a contract, nor do I owe them any money.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

This has happened multiple times, but the most recent fact pattern is : On XX/XX/XXXX, I made a payment ( via app ) to my Citi credit card in the amount of {$10000.00} ; I believe this was the statement balance due by XX/XX/XXXX. On or about XX/XX/XXXX, my purchases started to be declined. I called Citibank and was told the card was maxed out, despite the fact that the IVR indicated there was open credit ; app also showed XXXX payment had been applied and credit line opened. Citi rep informed me that the XXXX payment was being held until XX/XX/XXXX. Why? Good question. First they said it was " fraud indicators. '' I asked what fraud indicators and rep said no, there are no fraud indicators. Then I was told " account is new. '' It's not that new. Then I was told it was because I made " multiple payments. '' I only made the one payment, and there was another minimum auto-tpayment made as is scheduled every month ( a service Citi offers and presumably encourages ). 

I've had this same problem before and was told that once I let the hold expire once, it wouldn't happen again. I did that and yet here we are. I asked for a supervisor. Specifically, I asked for an on-shore supervisor because the initial rep was off shore and difficult to understand. 

Next, Citi rep asked me if the bank holding the paying account was open. How am I supposed to know that, and how is it my responsibility? After much angry arguing, Citi connects to XXXX, the bank where my payment DDA is held. XXXX confirms that the payment was initiated on XXXX and posted on XXXX. Citi then decides it can apply the payment. 
How long is Citi allowed to " hold '' the payment once the money is posted out of my payment account? Why did it take me 2 hours of extremely frustrating phone calls to effectuate a payment that I made 12 days earlier? Citi consistently prevents me from both using this card and from paying this card. 

I requested information on why this happens, what authority they have to do it, and why it happens to me specifically. I have never missed a payment, I don't carry a balance, I have an XXXX credit score. What factors are motivating Citi not to apply a normal, expected, on-time payment? Are they trying to force this account into a bad status?
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

A CHIME account was opened without my knowledge ( but I got notices in my email ). It used outdated address information. As it used my current email, CHIME told me to change my password, download app, and use that to close account. I did, but the app had no such function. They then attempted to extract all my current personal info from me. I refused and they claimed that the account was now closed. Very shady experience.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CO)

I am writing to express my deep concern and frustration regarding the recent issues I've encountered with my PayPal account.

Today, I opened a new PayPal account and promptly completed all necessary verifications as requested. However, I am facing a significant problem as PayPal is refusing to issue me a debit card, and there has been no explanation provided for this denial. 


I understand the importance of security and compliance, and I have fully cooperated with all verification processes. Despite this, the lack of transparency and the refusal to issue a debit card are causing me substantial inconvenience. 


I urgently require a debit card for ATM withdrawals, and I believe it is my right as a verified PayPal user. Instead of receiving assistance, I was directed to use PayPal without a proper resolution to my current issue.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/, my husband who is also an account holder on this checking/saving account tried to use his debit card to pay for a work related purchase near where we live His card declined, so he checked the balance on our Wells Fargo app and noticed several charges in XXXX, XXXX XXXX  , XXXX XXXX  XXXX , and on other websites. He called me as he was needing XXXX XXXX  for work and could not stay on a long call with the bank at that exact moment. I called Wells Fargo to report the fraud and cancel my husband 's card. There were 22 charges, totaling that drained our account. A claim was opened and my husband was also able to call in to validate some information with the bank that was requested. This was all done and the card cancelled within just a couple of hours of the charges occurring. 

I called to check today, XX/XX/XXXX on the progress and was told that {$530.00} and some change of those charges were not fraud as the pin was used and we must have given it to someone. The bank would not tell me how they concluded this as the charges were out of state and during the same timeframe. They offered only to send a letter explaining and told me to file a police report but that Wells Fargo was done with the matter. 

I would like my {$530.00} back as these charges are fraudulent and were unauthorized and my bank did a poor job or stopping any of this activity or notifying me of anything occuring. I do not believe this is an appropriate solution. I will be filing a local police report as well.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (FL)

American Express continues to report two debts that were discharged in Chapter XXXX bankruptcy ( XXXX ). I talk to them about the problem several time. As of today the information is still being reported on my credit report.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

Submitted request for all 3 free annual credit reports in October, 2018.  Promptly received 2 of 3 reports, did NOT receive the report from Equifax. 
This same issue occurred in XX/XX/XXXX and was resolved after reporting this to the CFPB.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (CA)

A COMPANY CALLED XXXX also known as worldwide processing group have been calling me and making threats to contact my family members, job, neighbors about a debt that I dont owe and demanding that I call them back the calls are frequent and odd times with various verbal threats such as we will make sure we contact all your acquantances. they use various phone numbers XXXX and XXXX
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have right to privacy ( 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USCS 1666b a creditor may not treat a payment on a vehicle account under an open end consumer vehicle plan for any purpose.