davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (DC)

I have federal student loans from Utah Higher Education Authority ( UHEAA ), which I am making monthly payments of principal and interest of {$420.00} on the XXXX of every month. I made an additional payment of {$10000.00} on XXXX XXXX, 2016. It is my understanding that XXXX percent of that {$10000.00} should go towards the principal of the loan, since it is an extra payment on top of my regularly scheduled monthly payments. This is also what UHEAA representatives have told me on numerous occasions. However, XXXX applied {$21.00} of my payment towards interest for the four days of interest that accrued from my normal payment date of the XXXX to the XXXX. They did not apply XXXX percent of my payment towards the principal of the loans. When I spoke with XXXX, a manager at UHEAA, she confirmed this was their policy and their system automatically applies any payment first towards any interest due and the remainder to principal. I would like {$21.00} credited towards the principal of my loans.
Consumer complaint received 2016-05-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

I am a XXXX woman with low income and I have NJFAMILY CARE insurance and it is covers me XXXX without paying out of my pocket any pennies. I went to the Hospital I have to take some XXXX ordered by my physician and XXXX XXXX sent me to collection when I was not suppose to pay any pennies out of my pocket. They keep send me all this letter and I have been very XXXX.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NJ)

On XXXX, 2016 I called CitiMortgage for payoff information on my mortgage loan. I was told that the total payoff amount to pay the loan in full is {$30000.00}. On XXXX XXXX, I transferred {$30000.00} form my Citibank account to CitiMortgage loan account. However, CitiMortgage did not process the transaction as the final payoff and instead processed it as a payment for the month of XXXX ( Principal {$170.00}, Interest {$75.00}, Additional Funds Received {$28000.00}, Escrow {$980.00} ). I called CitiMortgage again on XXXX XXXX to correct this processing error and to process it as the final payoff. They still did not correct the amount of interest that was charged for until the payoff date of XXXX XXXX. I have written and called CitiMortgage numerous times in the last three weeks, however, they will not give me an answer as to why they have charged me interest for the entire month of XXXX, when I made the full payoff of loan on XXXX XXXX. According to the payoff statement my escrow balance should be {$2700.00} after the payoff, however, by overcharging me the interest for the month of XXXX, CitiMortgage took money out my escrow and lowered the escrow {$46.00} to {$2600.00}. It is a small amount of overcharged interest but it is wrong as a matter of principal should be corrected.
Consumer complaint received 2019-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

The property that I own has an easement on properties south of it. Wells Fargo has a mortgage on my property. The property owner of one of the properties which my property has an easement on notified me and Wells Fargo that he intended to file a suit to have the easement distinguished due to lack of use. I notified Wells Fargo immediately that the easements had no value, did not effect the property value of my property on which they had a mortgage ( as it was not included in the appraisal they did to establish the mortgage because it is not registered on the title ) and to not engage legal counsel because I didn't want a huge legal bill for something I had engaged counsel on and would be able to settle myself at minimal cost. But despite that request ( I am in final negotiations to release the easement subject to payment of my legal bill by the other property owner ), Wells Fargo has handed me a {$4700.00} legal bill for what, I have no idea. They went out and hired a high priced legal firm for no reason and because of some catch all clause in the mortgage document I have to pay it. Now I don't mind paying if they must defend their position from a risk but there is no risk here. There is no value in the easements, it can not extinguish their mortgage and they simply do not care about the cost because they feel they can just pass it on. There is no constraints on the lawyer they hired, he is just running up a bill without management of the cost for no reason.
Consumer complaint received 2016-05-29
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Renton Collections Inc. (WA)

I own a XXXX company, I built a XXXX at a Local Mall, last winter, they owe me a large amount of money and refuse to pay, I am now taking the client to court, this has financially drained me. I had a XXXX XXXX, was hospitalize, and for some reason the insurance did n't cover 100 %, so it went to collections. This collection agency, calls every week to either my wife or myself, making harassing remarks such as they will seize our property or assets. I told the collection person XXXX, we will pay this debt as soon as we reach a settlement concerning my Mechanical Lien towards the XXXX I built. Right now, there is a hold on my bank account by the XXXX for XXXX XXXX XXXX Taxes that are owed, so it is essential I follow through pursuing getting my monies owed to me. Because my client refuses to pay me I have properly through my XXXX, will be foreclosing their XXXX holdings.
Consumer complaint received 2015-08-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (TX)

Received attached letter, dated XXXX XXXX 2015, from Citibank. 

XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes ), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of late delivery of a check through the postal system. " This statement implies that Citibank can make a check payment to the IRS. 

However, this is INCORRECT. 

I tried to set up the IRS for a check payment using Citibank 's BillPay, but was unable to do so. See Payee Details attachment. 

XXXX XXXX further states in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Please explain why this letter was never received. 

Thank you very much for your assistance
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NV)

I never use XXXX in my live and i never been. Btw i just get my SSN since 2012 so please please respond me at XXXXXXXXXXXX or call me XXXX to discuss this matter. Ty so much
Consumer complaint received 2019-02-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (FL)

NAVIENT STUDENT LOAN DEBT. AS A STUDENT AT XXXX XXXX IN  XXXX FLORIDA. I DID NOT KNOW THAT A PRIVATE LOAN SHOULD NEVER BE AN OPTION, IF YOU COULD QUALIFY FOR A SUBSIDIZED OR NON-SUBSIZEDI LOAN. THEY REALY WERE UNINFORMATIVE OF THE RAMIFICATIONS THIS TYPE OF LOAN COULD PRESENT TO ME. THAT FORBEARANCE WAS REALLY NOT A HUGE OPTION WITH THESE TYPE OF LOANS. 

EVEN AS RECENT AT FRIDAY XX/XX/2019 EVEN THOUGH I HAVE TOLD THEM I DO NOT HAVE THE FUNDS TO PAY THAT HAVE INSISTED IN AN UNAFFORDABLE PAYMENT TO COME FROM ME.
Consumer complaint received 2023-06-19
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. (WI)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

I have received statements from this bank with no closing dates, no previous balance dates, no detailed transaction date, moreover, I believe I am being charged too much for interest. 

I have uploaded a chart of some of my recent statements. 

XXXX XXXX
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has fail to provide me with proper information regarding negative collections on my account. Also, Transunion has verify accounts that have been closed or sold out but have recent payments of {$50.00}, {$30.00} or {$100.00} dls payments.
Consumer complaint received 2017-03-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (FL)

EARLY WARNING of XXXX XXXX XXXX XXXX XXXX, AZ XXXX has an entire file on me with inaccurate information and their online portal is not working to submit disputes. My Consumer ID is XXXX First : XXXX XXXX XXXX reported contribution ref # XXXX They have a loss as {$190.00}. I sued XXXX and they provided a debt waiver for me. Second : XXXX XXXX Contribution ref # XXXX saying they had a loss of {$430.00}. This account does not belong to me. Third : XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX do not belong to me. Fourth : XXXX Acct # XXXX settled with me because they were found to be at fault. I received {$9000.00} and a debt waiver from them. My attorney is XXXX XXXX. Fifth : XXXX Acct # XXXX does not belong to me.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

Hello, There were 2 items on my credit report that were not mine and I disputed them. XXXX/XXXX/XXXX removed them. I now went back and noticed them reinserted on my reports under a new collection company " Commenwealth Financial SYstems ''. It was previously " XXXX XXXX ''. I was not informed by the agencies or by this new collection company who adjsuted the dates to make it look current as well. I ask for these 2 items to removed ASAP and I have not heard a word. They have not even verified if it was true information as we know it is not mine. Please help I am at the end of my rope dealing with these companies.
Consumer complaint received 2016-04-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

Last night I made XXXX desposits to my Wels Fargo checking account back to back ( XXXX in the amount of {$100000.00}, the other for {$950.00} and the XXXX for $ XXXX totaling {$2100.00} ) I received email confirmations of all XXXX deposits and was told my checking account balance at the time was {$2100.00}. I then submitted a payment to my credit card for {$2100.00}. This morning I received an email alert from Wells Fargo confirming my deposits, but it only confirmed XXXX of my XXXX deposits- the XXXX deposit of {$200.00} was not credited. I immediately called in and was advised by the Wells Fargo agent that he could see the {$200.00} but that it was showing on my " bank card '' but not in my checking account.. I have no idea what that meant, I depsoited all XXXX deposits in my checking account and told him I have the email. He transfered me to the claims department, who set up a claim for me and gave me the claim # XXXX, I then asked that since they saw my {$200.00}, that someone issue a provisional credit for the {$200.00} so that when my creditor presents the payment I authorized that it would not return unpaid. So they transfered me back to customer service to get the credit issued. While in Customer service I was told that credit is issued by the claims deptartment, not customer service, I became upset because I had just been on with the claims department who transfered me to customer service so I asked to speak with a supervisor, XXXX came on line and advised the claim that was set up for me was the " wrong type of claim '', so she closed out that claim and opened another one and gave me a new reference number XXXX ... she then told me someone in claims had to give me the provisional credit and got me to claims again, I spoke w. XXXX ( who was very rude ) she got me into the consumer phone bank in XXXX Texas who was also very rude and unhelpful, she transfered me over to another supervisor who i spent another 1 hour and a half with trying to get in touch with the claims department. At this point, my creditor has put through the intended amount of {$2100.00} and my account is now over drawn as a result. I am so furious! I find it appauling that Wells Fargo held on to my money and did not appropriately credit my account and caused me to remain on the phone for hours and now an over draft to my bank account. I 've attached the receipt for the {$200.00} deposit that was omitted from my account along with the balance that should have been on my account of {$2100.00} ( Which would cover my payment to my creditor for {$2100.00} )
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.
Consumer complaint received 2017-02-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I apologize for having to intrude on your valuable time with this matter. I do so as a last resort having exhausted all customary channels with the local representatives at Citizens Bank. 
I had XXXX IRA CD 's at XXXX ( XXXX ) maturing in XXXX. In XXXX I received XXXX Maturity Notices from XXXX showing the maturity dates and details of the XXXX CD 's. At about the same time I also received a solicitation in the mail from Citizens promoting a 15 month 1.5 % CD. I visited the local XXXX NY branch of Citizens bringing the letters from XXXX and the advertisement I received from Citizens. I met with XXXX XXXX XXXX. I explained to him that, although I would be out of town, it was my desire to transfer the XXXX CD maturity proceeds to Citizens when they matured. XXXX XXXX XXXX said that he could collect the proceeds from XXXX upon maturity of the CD 's to fund the new CD at Citizens. We agreed, XXXX XXXX XXXX made copies of the letters from XXXX and he completed the necessary transfer forms while making several phone calls to get instructions on how to fill out the forms. I signed the form as he requested. 
Upon my return home several weeks later, I was surprised to find a mail notification from XXXX advising that the proceeds were transferred prior to maturity, resulting in an early withdrawal penalty of {$2400.00}. XXXX XXXX XXXX erroneously processed the transfer requests immediately, approximately 5 days and 13 days before maturity. He did not wait until after the maturity dates as he agreed to do. The early transfers resulted in a {$2400.00} penalty to the CD balance plus a {$370.00} tax liability. The original XXXX CD rates were 3.25 % and 3.44 %, much higher than the 1.5 % rate I received upon transfer to Citizens, so there was no incentive to transfer the CDs to a lower rate before maturity. 
I am requesting that Citizens Bank make me whole by reimbursing me for the loss I sustained as a result of Citizens Bank failure to follow my instructions.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I have submitted several disputes on to all XXXX reporting bureaus and only Equifax wo n't remove my ex-husband 's Chapter XXXX Bankruptcy and the accounts that were discharged with his bankruptcy from my report. I have sent Equifax documented proof at least XXXX times and they still claim this is accurate. I have also called them on the phone, and all they tell me is that they are a credit reporting agency, and they only report what is reported to them. They not been helpful over the phone. 
I started this process with them in XXXX of 2014 and I can not get them to resolve this issue, even though the other XXXX credit reporting bureaus have removed my ex-husband 's Chapter XXXX bankruptcy and associated accounts, from my report. 
This has caused me hardship when trying to get a new home loan. No one will finance me with the discharged Chapter XXXX bankruptcy on my credit report. I ca n't even use my VA loan. I have been told if the Chapter XXXX is off of my report, I would get an approval.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

My bank account was closed without notice by Wells Fargo for no apparent reason. The account was paperless, which saves Wells Fargo money on printing and postage. Wells Fargo is now trying to charge me XXXX dollars for each of the XXXX check images associated with this account, which I need to access for tax purposes. I 'm all for switching to electronic record keeping, but Wells Fargo has used this as a way to extort money from consumers. I 'm perfectly willing to pay some reasonable fee to get access to these files, but a total cost of over {$1900.00} to access my own information seems completely unreasonable. The Wells Fargo help line referred me to my local branch. I have tried to work with local bank representative XXXX XXXX to come up with some reasonable solution to this problem, but she has been adamant that Wells Fargo has a right to charge these exorbitant fees. 
I am perfectly willing to pay some reasonable fee -- say a few hundred dollars, but I am not about to pay {$1900.00} to access an electronic file. If they do n't want to give me access to the electronic file, they can use the old system and send me the paper checks. 
XXXX XXXX can be reached at XXXX.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We have disputed inaccurate info with the credit bureaus previously but all they did was indicate on our files that the info was under dispute and never removed it which was what was warranted. We went into a Chapt XXXX in XXXX 2014. All creditors are included and will be receiving payment from the Chapt XXXX. All XXXX credit bureaus still have not updated our individual credit files to reflect that we are in a Chapt XXXX. It 's being indicated on our credit bureau reports that we still have accounts in collections when all the accounts have been in Chapter XXXX since XXXX 2014. We contacted the individual creditors but they said it is not their problem. When the creditors submit info to our files, they indicate that there is a dispute as to whether the account can be included in the Chapt XXXX. We have verified that the accounts are in Chapt XXXX and that there is no dispute. XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Applied for CHASE IHG credit card with promotional offer of one free night at any property upon renewed annual year on XX/XX/XXXX. Chase has recently changed the terms to properties less than XXXX points and has also excluded certain properties that are under XXXX points. As of now Chase is honoring this certificate for those who applied between XX/XX/XXXX-XX/XX/XXXX and nothing before.
Consumer complaint received 2016-05-29
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2016 I made a wire transfer for {$3700.00} for goods purchased through XXXX through my Business Checking account at Capital One. After 14 days, the funds never made it to the recipient. I had Capital One initiate a trace on the funds and XXXX XXXX, from Capital One Branch in XXXX, Texas ( Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ) told me that she did not know what happened to the funds. I made multiple attempts to resolve this issue with her, and Capital One customer service with no resolution. Finally, I contacted the XXXX and filed a complaint. They told me that I requested to cancel the transfer on XX/XX/XXXX ( I did ) and then requested to recall that cancellation the same day ( I did not ). The beneficiary has not received the funds and it has been over 4 months.