davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

XXXX sends me offers checks every month for balance transfers purchases or write a check to myself.onXX/XX/17 I wrote a check for XXXX the checks offered XXXX  percent interest for 18 months with a I percent fee I checked my account 5 days later and saw I was being charged XXXX plus XXXX interest. I talked to a rep and was told to have my bank wire the money back and reverse the transaction my banker told me to pay them directly out of my account and save a XXXX fee.i contacted XXXX again and another XXXX said that would be fine and the transaction would be reversed so I sent the XXXX back. the next I got a text saying I had paid more than the minimum amount and still had a balance of XXXX. I called again and was told that my promo check was out of date and I had to pay XXXX .after getting their XXXX back they changed the deal and demanded the extra money it went from cancelling a transaction to paying interest on money for a month that I had for 5 days and was lied to multiple times by.XXXX  XXXX and XXXX made no attempt to contact me or make any resolution or even ask about my interaction with their XXXX.
Consumer complaint received 2017-08-15
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX I had paid a XXXX XXXX course {$260.00} to attend the first day of class. InXX/XX/XXXX, I had a dispute with the merchant because they did not sign me up for the first class. I called XXXX XXXX and opened a dispute. The merchant never fought the dispute and allowed me to attend class. I entered into an agreement with the merchant to pay to pay the sum of {$270.00} cash and just reverse the charge on the credit card. I did so and there seemingly was n't a problem. I was credited the {$260.00} on my XXXX statement. On my XX/XX/XXXX statement, there was a charge of {$260.00}. I had called Citibank again to find out why I was being charged. They told me that they would conduct an investigation. I was sent a packet showing that I was charged an additional {$260.00} from their audit department. I have been calling since then and told different things depending on who I spoke to. I would either be told that the merchant never returned the money or that Citibank incorrectly debited me an additional amount. Finally, at the end of XXXX I was told that I would receive a credit of {$260.00} within two billing cycles. My XXXX statement arrived and I still have not received a credit. All Citibank does is have me call back or they call back and tell me I 'm getting a credit but they are not sure why I have not received it. It has undergone several investigations with the end of the reports stating I deserve a refund. As of XXXX XX/XX/XXXX I was given a long recap of the events that happened as I had explained numerous times only to be told, after weeks of being told I will get a credit, that I am not entitled to the {$260.00}. The way Citibank has handled this matter is an embarrassment. No one can give me a straight answer, they contradict their own findings and investigations, and now I have to take time and money to pursue legal recourse with all parties.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I owe a debt to XXXX XXXX credit card. The debt was sold to an organization called Portfolio Recovery Associates, LLC. I have  been making XXXX dollar payments each two weeks however the organization continues to call me at least two times per week trying to collect the debt. I have received calls from XXXX XXXX XXXX, XXXX ga, XXXX Fl and other unknown locations and it is always the same collection agency. I explain to them I have been making payments and they can stop calling me if I am paying them every two weeks to resolve, but they continue to call. I wrote the customer service dept of this agency and requested they stop calling, still they continue to call. Each time I speak to them the say " yes I see you are making payments, but you have no set payment schedule on file which will stop us calling you. '' I do not feel I should have to put any information on file with them. I do not feel I need to make any type of agreement if I am paying the account. I do not feel I should be called numerous times when I am making payments. This is harassment. I especially feel uncomfortable providing any information with callers from numerous states. I have received callsXXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX in 2017. This is ridiculous please make them stop harassing me.
Consumer complaint received 2017-08-15
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. (AR)

I recently received a copy of my credit reports and I 've noticed that there were many unauthorized credit inquiries made not to my knowledge. I do not recall authorizing these credit inquires and I understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation about all of my inquiries to determine who requested the information.
If you find I was not the one who authorized this inquiry, I ask that XXXX have it removed immediately from my credit file. Please be so kind as to have the CB to forward me documentation that you have had the unauthorized inquiry removed.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am a XXXX XXXX XXXX and have been for the last 17 years. In XXXX I was told my employment qualified me for the Public Service Loan Forgiveness ( PSLF ) program as long as I made the " 120 qualifying payments '' on my Direct Loan. Accordingly, I submitted the necessary employment certification and applied for the loan forgiveness. I was informed that the program would only apply to payments dating back to XXXX. ( I 've been paying my student loans since XXXX ). My loan was transferred to FedLoan Servicing and I continued to make my monthly loan payments. I called last year to in XXXX to check on the status of the program, but was informed that my loan " type '' did not qualify for the loan forgiveness. This was the first I 'd heard of this, but learned that I had to be in a " income driven '' repayment plan to qualify for the PSLF. This was never mentioned in the materials I initially received. Nonetheless, I requested that FedLoan transfer my loan to the type of program that would qualify for forgiveness. Last month my loan was transferred into an income driven plan. To my shock and surprise, when I called to check on the status of my PSLF I was told that my loan would not be forgiven since it had not been in the " right '' plan for 120 payments. Moreover, I was also shocked to learn that my monthly payments had been increased from {$800.00} per month to {$2000.00} per month! I believe that FedLoan is engaging in fraud and deceptive practices. I was tricked into applying for a loan forgiveness program and my monthly payments have more than doubled.
Consumer complaint received 2017-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (MD)

Vehicle was repossessed in XXXX of 2016. I paid all fees and totaling over {$3000.00} and received vehicle back. In XXXX of 2016 arrangements were made with company to settle remaining loan terms. Company accepted payment and still reposses vehicle after arrangements were made. After repossession occurred company stated that vehicle could not be received back to due Georgia laws stating that a vehicle could not be repossessed and retrieved back twice in a twelve month period. The vehicles loan title and tags originated and were current in the state of Maryland. Company never sent information regarding date of sale, amount owed or the whereabouts of vehicle as promised. Company is now trying to collect on vehicle loan amount after auction. I was never given the opportunity to purchase vehicle back after paying on car on time for over three years.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I deposited {$1200.00} ( {$1000.00} check and XXXX in cash ) at a JP Morgan Chase ATM on XXXX XXXX in XXXX, OH on XXXX XXXX 2017. The ATM malfunctioned during the deposit and took the cash and check, but was unable to process the transaction. I called Chase on the next business day to try and resolve the situation, they credited me for the transaction and said they would look into it. On XXXX XXXX, they removed the credit without any explanation. I called and was told there was no sign of the cash and check and now they are saying they can not do anything about it. They essentially stole money that I entrusted with them from me.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.
Consumer complaint received 2017-08-15
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. (GA)

As a courtesy service my bank, the XXXX XXXX XXXX XXXX, provides my Experian Credit Score. I believed this to be true and factual. However, recently my wife and I applied for a consumer new auto loan and was surprised when the rejection explanation listed completely different credit scores for both of us. XXXX tells me that they used our " lending '' score, along with other factors. Their Notice of Our Decision letter never mentions the term " lending credit score ''. How and why it is legal to provide me, the consumer, false information and misleading information and provide completely different information to lenders? I do not understand.
Consumer complaint received 2017-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (PA)

The financial institution informed me that a person with good credit was offered a home equity line of credit with a 3.49 % annual percentage rate. My situation with this financial institution was that I had an outstanding line of credit in the payback mode at a varying rate which was the prime rate less 0,5 %. or currently 3.75 %. I was under the premise that since I knew that my credit rating was excellent presently then my loan rate should be similar to this other noted individual who received a 3.49 % rate. An appraisal was done where the financial institution had my property appraised. The appraised value was {$110000.00}. The bank then took 85 % of that amount and determined that my line of credit would only be {$93000.00} which was {$6500.00} less than the SUPPOSED {$100000.00} value needed for the rate of 3.49 %. The bank did not recognize my free standing garage as a free standing garage but labeled the free standing garage a shed. This was incorrect since my free standing garage is 20 feet long by 12 feet wide by 13 feet high. The bank was informed of this fact but refused to change the original incorrect appraisal but indicated that an inside the home appraisal would be required .Thus I disagreed with their conclusion and since my faith in the bank 's credibility was now in question. I was apprehensive about the bank giving me a better appraisal value once inside the home since both my kitchen and bathroom .would be subject to criticism since no changes were made to major appliances and real estate fixtures in 25 years. In summary the bank offered me 5.24 % after baiting me with these lower interest rates.
Consumer complaint received 2017-08-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Van Ru Credit Corporation (FL)

This actually is in reference to my previous complaint XXXX but apparently you do n't have a way to send additional comments on a complaint. I had n't received a status since last XXXX. Once I submitted to you the documentation that I had already rehabilitated my loan around 2003, XXXX apparently sold my loan & stopped garnishment, I 'm guessing because they were caught in a lie? However, they sold the loan to Van Ru Corporation & now they are threatening garnishment. I have paid twice the principal on this loan, and would now be eligible for forgiveness since I work for a public agency if XXXX had originally negotiated an affordable payment with me in 2003 as they were required to by law.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX  continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance.
I have requested a letter in writing from XXXX XXXX  for federal credit union stating the account was paid to a XXXX balance and was reported as a XXXX balance on XXXXXXXX17.
XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue.
XXXX XXXX and Experian have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance. I have requested a letter in writing from XXXX XXXX for federal credit union stating the account was paid to a XXXX  balance and was reported as a XXXX balance on XXXX. XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue. Trans Union and XXXX have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I, XXXX XXXX XXXX ( DOB : XX/XX/XXXX debt collector for credit card that I contend was erroneously sent to collections, as I had established auto payment ( {$50.00} ) above initial minimum payment ( approx. {$35.00} ) for a Bank of America credit card opened onXX/XX/XXXXwith {$2500.00} credit limit. The ( a ) initial billing and ( b ) date auto payment was established are conveniently not included in discovery, and I am unable to obtain this information online through my current BOA checking account. I have not contacted BOA since the filing of this lawsuit due to distrust and not knowing source of presumed fraudulent practices. BOA contacted me about delinquency of account, but on at least two occasions before account was transferred to collections, I spoke to BOA rep, which could not explain why the auto payments, in excess of billing expenses, were not adequate. In XX/XX/XXXX when balance was approximately {$1800.00}, below the {$2500.00} limit, I had transaction declined at local XXXX and then learned that BOA suspended the card. On XX/XX/XXXX BOA sold account to XXXX XXXX XXXX for undocumented amount. I am being sued for {$3800.00}. Though I have had no direct dealings with XXXX XXXX XXXX court record notes, " The last payment was posted to the account on XX/XX/XXXX in the amount of {$50.00}. '' In reality, BOA continued to take auto payments for 47 months after it was sent to collections through XX/XX/XXXX, and without any expressed agreement and/or without addressing my contentions that the auto payments were timely and adequate, BOA sent this money to collections agent. The court documentation has discrepancies and falsifications, as it reflects " there is now due and payable from the Defendant the sum of {$2400.00} ; plus accrued interest of {$1300.00} through XX/XX/XXXX ... '' Additionally and just as contended with BOA, regular payments are taken simultaneously while default interest is being accrued. There appears to be 2-3 grounds where bank loses its creditor exemption, and I would like to explore counter claim ( s )  against bank and collections agents. The matter is set for trial in XX/XX/XXXX.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I was shocked when I reviewed my credit report and found late payments on the date below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is there was a billing error with my statement.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (VA)

" Frequency or repeated calls '' is the box that I checked, but ironically I am having the opposite problem that most people have. 

I noticed that a debt showed up on my credit report as a delinquent balance. I do not recognize the debt. It is owned by " The Receivable Management Co. '' in XXXX, PA. I have received no communication from them. There is a phone number listed to call them on the credit report, XXXX. When one dials this number, and presses # as directed to speak to an agent, it places you in queue for 20 seconds or so, then rolls to voicemail, always, and without fail. 

The voicemail ( and the IVR ) for that matter identifies the company as " XXXX '' ( XXXX? XXXX? XXXX? ). I have left repeated voicemails saying that the company being identified as " XXXX '' is strange as I dialed the number for Receivable Management Co., that I do not recognize the debt, and that I would like for someone to contact me. 

They have never contacted me. I have received no notices via mail, and I have not received any return phone calls either. 

In addition to them being unresponsive on the phone, and there being confusion over their name, there does n't seem to be any website for them which I could find, either in search engine searches or via internet registry ( I work in IT, so I have additional tools at my disposal and still came up with nothing ). Also, calling the registered number for " XXXX '' which seems to be the closest match ( as they do outsourced call center etc. ) just rings and rings, with neither a person nor an IVR or system answering the call. The XXXX website only provides a " contact us '' form which I have not yet filled out. 

If there is a negative mark on my credit report which is in turn negatively influencing my credit-worthiness I believe that the collection company has some responsibility to be responsive. 

This is maddening, negatively affecting my credit score, and totally irresponsible. I would like for the CFPB to recognize ( this situation should be easily reproduced ) this issue I 'm having so that I can use the recognition to have this erroneous mark removed from my report via the credit bureaus, since there is no way for me to talk to anyone who claims to hold the debt.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo today to make a payment with the same account information I make it with every month for the past 5 is years. I verified over 5 pieces of information like I do every month and have been doing for the past 5 years. Today they refused to take my payment from the account I gave them verifying the routing number and the bank name. The manager stated she would notate my account to make it more difficult for me to call In and make future payments even though I had correctly verified all the information where my payment was coming from.