davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have bank of America account for 12 years. I had set up auto pay on all my credit cards. Without any notification bank decided to cancel auto pay every year recently. So we as customers started getting late fee charge. When I called to complain they say it's a new policy, you will have to get up auto pay every year again n again. I have 15 credit cards with different dates and months, so I need to remember to reschedule payments again n again. What is this scam?
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

On XX/XX/XXXX I called my new mortgage servicer XXXX funding because I recieved a voice mail. They claimed I have been paying late for the past 2 months. In XX/XX/XXXX I spoke with a representative who offered to put me in semi monthly payments. One on the XXXX the other on the XXXX. The representative I spoke to stated the amount paid went towards principle and the auto pay wasnt an option before it wasnt paid with in the grace period although I was paying half of the payment before the due date. A full payment was covered on XXXX and then the partial payment for XX/XX/XXXX was paid XX/XX/XXXX. The representative I spoke XXXX XXXX refused to reverse the fees even though he mentioned it was their error. He then transferred me over to consumer escalations. I spoke with XXXX XXXX. She told me there were late fees in the amount of {$140.00}. She opened a request and said she will get back to me.
Consumer complaint received 2020-09-13
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me nor will they give me my money. They also disputed my two payments to my electric company that was paid two months before they closed my account totally XXXX and XXXXi didnt request this dispute and ive been without power and now must pay my power for a second time plus a XXXX deposit total of XXXX to power back on. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting my life. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TriStar Finance, Inc. (WA)

In XXXX I reached out to TriStar Finance, to inquire about refinancing my mortgage. Having been unable to reach anyone by phone, I partially filled out their online mortgage application, which I did not immediately submit due to being unsure about some of the information requested by the application.

Several days later, I received an email from a third-party settlement company notifying me that an account has been opened on my behalf. That email did not identify itself as being related to TriStar. I called the company identified in the email, at which point they informed me that this account was opened at the request of TriStar. At that point, I still had not had any chance to discuss the loan terms with anyone from TriStar and I had not signed any authorizations for third party services. 

I was eventually able to get in contact with a loan officer from TriStar finance, who was ultimately able to provide me with a loan estimate. Another lender matched the TriStar estimate, at which point I informed TriStar Finance that was opting to work with a different lender. TriStar responded by sending an abusive email, which I can only take as an attempt to cover up their failings and to pressure me into working with TriStar. 

Text of the email sent by XXXX XXXX XXXX # XXXX is attached. Note that XXXX makes several factually false misrepresentations in this email and disparages competitors. With regard to alleged expenses incurred by TriStar Finance, please note that I did not consent to any expenditures on my behalf, except for requesting an initial loan estimate from TriStar Finance, as well as a revised loan  estimate.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

While I was out of the United States, without my knowledge or permission, sixteen checks totaling XXXX were fraudulently written against my checking account.. The checks were forged between XX/XX/XXXX and XX/XX/XXXX. Upon my return to the United States, I went to the bank to withdraw funds for my needs and discovered the account was empty, I spoke with the bank official who acknowledged that the checks were written and cashed during the 2-1/2 years I was outside the United States.. 

On XX/XX/XXXX I reported the forged checks to the police department. On XX/XX/XXXX the person who forged my signature and cashed the checks was arrested and charged with 16 counts of Forgery of Endorsements. I am an elderly person, and the account was used for the Social Security Administration to deposit my social security checks.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

I have been actively paying on my student loan for 1 year. The payment plan I'm on doesnt even cover the monthly interest. I've paid {$2500.00} since XX/XX/XXXX and my balance continues to increase. I was never made aware that my payment wouldn't even cover the interest. I called XX/XX/XXXX to ask about the income based repayment plan because I heard it can forgive your balance after 25 years. The representative quickly deferred my payment which is not what I wanted to do. I didnt want the interest capitalized on the loan so I paid {$390.00} that day. I've been paying for 1 year and my balance has only increased. When will I ever get out of debt? My loan 's graduated loan payment doesnt increase until XX/XX/XXXX and at that time it only goes up by {$24.00} which will still not touch the principal. Navient failed to adequately explain my options and never warned me that my loan balance would continue to increase for several years even while I make payments.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023, I ordered furniture from XXXX, my order glitched and somehow duplicated itself, making a double order for the one product. I reached out to XXXX via the app to request a cancellation on the faulty order. Instead of a cancellation, the order was shipped out to me, against my will, since I had previously tried to cancel the order, the next day on XX/XX/2023. The package arrived and I requested a return through the XXXX app. On the XXXX of XXXX. XXXX XXXXXXXX came to return the item, but it had no XXXX label. I was told that they couldnt ship the product back without a XXXX label. The product did in fact have the label present for the third party seller. I spoke with XXXX again, letting them know that there was a label for the third party seller and she satiated that they would come back out and pick it up. They came out on the XXXX of XXXX and got the unopened extra package. The lady from XXXX XXXX  sent me screen shots and information regarding the tracking and delivery of the package. It was an 86 lb, rustic brown dining room set item # XXXX The package was delivered to the third party, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX on XX/XX/2023. I then called XXXX XXXX XXXX to clarify that the item was delivered. It was confirmed by an employee that the item had been delivered safely and that my refund would be posted to my card in 10 business days. She gave me the date of XX/XX/2023 as my refund date. Once that date arrived and there was no refund, I called and spoke to someone else, exact same thing happened, except this time I was told that my refund would be sent to my card in 24 hours, which never happened. After calling and being lied to and deceived for another week, I filed a dispute with my cardholder ( American Express Serve ) XX/XX/2023 whom claims to have done a dispute investigation, but in the favor of the merchant, who has their product and my money, which isnt right. So i asked to be sent a copy of the investigation documents that supported their decision and I have yet again not received any information. I am writing this complaint because this situation is causing me extreme mental anguish. I have been working with these companies to the best of my ability to get my money back and its like no one is taking this serious.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I looked online on Experian site ( Member ID XXXX ) and it said I have 1 late payment ( 60+ days ). I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. It is been a month and nothing is fixed. 
Please, look at attached images. This is screenshots from Experian website. 
It shows I have late payments but my reports has none.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I tried to pay my BoFa credit card with my XXXX account, through the bofa app. The app failed twice ( closed out while using it ) while i was making a payment so i received no confirmation of my 1st payment. I tried again, it closed again. I tried a 3rd time and it worked, i landed on the confirmation page. I looked at my dashboard and only saw the 3rd payment confirmed so I was all set. 

I went to the app 2 days later and saw that all 3 started processing. I called bofa twice over the weekend and wasn't able to get through. Both times, I was asked to use the 'schedule a call back ' feature where I put in my # to get a call back when I was up. Neither time I received a call and was never able to reach a person. 

I could not afford all 3 payments for over 1K to go through in my XXXX   account, so I had to call XXXX and put a stop payment in for both the first and second payment. They waived one stop payment fee, but not the other for {$30.00}. 

I called Bofa the following week to address the fee, escalated to a supervisor, and again to a supervisor to try and have the XXXX fee refunded as a credit. I was told no supervisor was available so I scheduled yet another call back. 24 hours later and I am yet to receive a call. The fee did not originate from BoFa so I understand the agents inability to refund. However, the fee is a direct result of a system failure in Bofa 's system ( both the app itself twice, and then again twice when I called and the call back feature never called me ) and I had to take matters into my own hands to not receive an overdraft.
Consumer complaint received 2019-03-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP (GA)

I was advised that I have two repossessions on my credit report. One of them was with Honda Financial in which my father was the co-signed for me. He paid the debt in full in a month or so in XXXX. I was not aware this was on my credit report. 

Secondly, I had an automobile financed with XXXX XXXX XXXX that was paid off in XXXX. They attempted to reposes a vehicle I had with them but I caught up the payment and they withdrew the repossession order. They car was later paid off by the insurance company due to it being totaled.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to Equifax still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.
Consumer complaint received 2019-03-26
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. (GA)

I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today XXXX  raised the score to what it was prior to the debts being paid off and the student loan reductions.
Consumer complaint received 2019-03-25
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: CITIBANK, N.A. (MA)

Received " your card won't be reissued '' letter dated XX/XX/XXXX from Citibank " due to a bankruptcy or a charge-off '' Phoned Citibank, they say they can not say reason, and to check XXXX. 

Credit reports from XXXX and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.
Consumer complaint received 2021-06-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MS)

Doven Muehle who is the servicer for XXXX XXXX XXXX XXXX has calculated our payment based on an error that their company made in computing our yearly escrow. XXXX XXXX along with us on the phone tried to get the issue resolved but the servicer would not run another analysis because they said that they donot see a problem. The supervisor that we talked with at Doven Muehle told us that the amount that was placed in reserve for the year is {$900.00} and usually it has been approximately {$460.00} each year. This year we did change insurance companies and saved over {$800.00} dollars by doing so. So we are dont understand why our payment has increased. Our taxes and insurance as gone down each year. We feel that this servicer is operating fraudulently with these mortgage loans because we were told that other XXXX members are having similar issues.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

Ive reached out this company in regards to pay off a loan borrowed from them and settled on the amount {$250.00}, from amount owed which is XXXX. I wrote them a check for {$250.00}, and its notated on the check negotiation of tender settles debt AND removal. Theyve accepted the check early XXXX. Months later, I examine my credit report to see NO updates to the entity on my credit report, even after payment and its been at least 3 months. Their in violation of FCRA laws and refusing to update in a timely manner as well as refusing to remove entity. My argument is the time it took to see any results wasnt reflected in the time given which is 30-45 days. Theyve had 2 extra months to supply an answer and have failed to do so.
Consumer complaint received 2020-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient has disabled my ability to login into my account online. I wanted to contact them to fix this issue and looked for an email to use. Their contact page only gives you phone numbers to call and no access to the email. It says " To email us, log in and access the Email Us feature in the Help Center. '' This is a sick attempt to force borrowers to have to use the phone. 

I dislike their attempts to force me to call. 

After reading about this issue that others have run into they were told by navient to make a new account. So I tried to register a new account but it brings me to a page that says I can not create a new account with one already existing and has 3 separate buttons to contact them but ALL of the buttons take me to error pages. The only pages in their sitemap not to work for me. 

Yet they still take out automated payments every month from my account. I want to pay a larger lump sum and try to negotiate a settlement over email and they won't even allow me the contact. This is very XXXX behavior.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I applied for a credit limit increase on XX/XX/XXXX. On XX/XX/XXXX, a denial letter was mailed. The letter states that I am currently enrolled in a payment arrangement program with a credit card issued by Citibank , N.A . or one of its affiliates. I am not enrolled in such program. I did have a card closed in XX/XX/XXXX, however, the balance has been paid and shows {$0.00} balance on my credit reports. I called the phone number listed on the letter ( XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX, ET are the listed  hours ). The first person I spoke with stated that they would transfer to some who would discuss with me and provide a more detailed explanation. The person that I was transferred to said that they would have to transfer me to another person for an explanation. I asked for a direct number, rather than a transfer, and she stated that she could not provide me with a direct number. She transferred me, when she did, I was placed on placed on hold, and then a short time later the call was hung up. Citibank is not willing to make it accessible to speak with the correct people to provide an answer more detailed than the mailed letter.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SYNCHRONY FINANCIAL (TX)

I have a XXXX loan through Synchrony Bank/XXXX I opened the XX/XX/XXXX statement and noticed I was charged a late fee for the XX/XX/XXXX payment. On XX/XX/XXXX, I called Synchrony/XXXX and inquired on the {$39.00} late charge. I found out that I was also charged a late fee forXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX I was shocked! I went back to my checking account/bill payment through my bank to see when the payments were submitted and transmitted to Synchrony/XXXX. I discovered that if my payment due date ( the 1st of each month ) fell on a weekend or holiday, I was being charged a late fee. I spoke to a manager at Synchrony/XXXX @ XXXX also onXX/XX/XXXX and was told they could only waive one late fee. I asked why I was being charged for days the Automated Clearing House is closed, and the manager 's response was - " there is nothing I can do ''.XX/XX/XXXX - payment sentXX/XX/XXXX - due date fell on Sunday - late fee chargedXX/XX/XXXX - payment sent onXX/XX/XXXX - due date fell on Sunday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Saturday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Tuesday, National Holiday - late fee chargedXX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Friday - payment posted on Monday - late fee charged but reimbursed This isn't fair that I am being charged late fees for payments that are due on the weekend, when processing doesn't occur. Synchrony/XXXX doesn't allow a grace period. Please investigate this promptly, because I am not sure how many other consumers are being charged late fees erroneously.

I have copies of all invoices showing the late charge assessments.