davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (CA)

I rented a car from XXXX. When I arrived they did not have the intermediate size car I had reserved and prepaid at a rate of {$73.00} and could only provide a larger car which would be more expensive. They quoted me an additional {$56.00} for the rental. I was not very happy about that but had few options so I accepted. When I returned the car at the time agreed, they instead charged me an additional {$150.00} with no explanation or justification for the increase. I repeatedly phoned the XXXX office who said they would adjust the charges, but they did not. Finally I disputed the additional charges with my credit card company. During this process XXXX had an opportunity to contest the dispute and they did not ( as seen in the letters from XXXX. ) Therefore XXXX refunded me the {$100.00} that was over and above the amount I agreed to pay. I thought this was the end of it until I received a debt collection letter from Viking. Now, this is affecting my credit and I do n't know what to do. I *do not owe this money* - but there seems to be nowhere I can go to establish this fact.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Olympic Collection Inc. (WA)

I call the debt collector to see if I could negotiate a payment plan for the amount that they list on my credit report XXXX $ and I ask them if they can send me an actual bill so that I can get a load and pay them, than a week later they serve me a court Oder in the amount of XXXX $
Consumer complaint received 2017-01-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX, 2016 I made a {$100.00} ATM debit card withdrawal at the Wells Fargo Bank in XXXX NJ. I was charged a {$3.00} ATM Fee. This month when I received my checking account statement I saw an addtional {$1.00} charge for ATM INQ fee and a {$1.00} WD fee. for a total of {$6.00}. In my opinion this is excessive and I should be refunded at least {$3.00} in fees.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union is reporting XXXX judgments on my credit file. They are not mine. I contacted the court and they do n't have any judgments for me. It has been over 45 days and Trans Union is just ignoring my dispute. This is ruining my life
Consumer complaint received 2017-01-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (CT)

I filed a dispute for non-receipt of product/service for a purchase made today, XX/XX/XXXX, in the amount of XXXX. The transaction ID is XXXX, email is XXXXXXXXXXXX. This appears to be some sort of scam as the person ( s ) who received the funds do not reply to direct messages via XXXX and or email, a video was ordered and not received. The person ( s ) no longer reply to direct messages as well as emails, they were reported to XXXX as spam/scammer. I advised Google Wallet, the service used to send the funds and dispute was filed. However, due to past experience with this company, Google Wallet, they do little if anything to resolve disputes. I previously filed a debit card dispute for a deposit in the amount of XXXX left with a XXXX dealership and had to go to merchant directly, filed several complaints, before merchant agreed to refund. Google Wallet did nothing.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank offered a promotion for me to open a new checking account. I applied using the promotion code and was accepted. The acceptance on the code gave me the steps needed to receive my bonus points with XXXX XXXX. I met all of the requirements and confirmed with Citibank. Citibank Agents confirmed the requirements were met and bonus points would be posted. After many months and multiple communications Citibank denied my bonus stating " you were not targeted for this offer ''. This was not in the written promotion and not part of the application disclosure. Citibank owes me XXXX XXXX XXXX XXXX or they fraudulently dealt with me and misled me into opening a new account and depositing my money. 
The promotion code issued by Citibank was : XXXX. When I opened my new Citi Gold Checking I recieved this confirmation electronically : " When you opened your new Citibank checking account by XXXX/XXXX/2016, you provided the special offer code XXXX to be eligible to receive either : XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Citibank ( R ) Account Package ; OR XXXX AAdvantage ( R ) bonus miles after opening a new consumer Regular Checking account in The Basic Banking Package and completing the qualifying activities indicated below. '' I have communicated this request verbally on multiple occasions, in electronic format at Citbank online, and in writing via certified USPS mail. All have been met with no response or a response indicating that Citibank will not issue the bonus points as promised. Please help me resolve this. Thank you.
Consumer complaint received 2017-01-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Want to transfer money from Bank of America / XXXX.to XXXX. Completed paper work. And medallion signature. Money still not transferred. XXXX had paperwork for almost 2 weeks. Called XXXX XXXX VP in XXXX and lleft messages to call me back and has not done so. If on vacation message did not indicate that or to be referred to another person.
Consumer complaint received 2016-10-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS LENDING CORPORATION (OH)

I have a section XXXX voucher and applied for a mortgage loan with nations lending. They had me go through full underwriting before they would attempt a preapproval, even though my credit was good. They ( XXXX XXXX ) finally ( after 4 weeks ) pre-approved me for a USDA guaranteed loan for {$130000.00}. I ran the numbers myself according to the XXXX technical handbook ( I used to work XXXX ) and got close to {$200000.00} for a proper loan amount. I questioned them on this, even sending them the links to the USDA handbook, and they ( XXXX XXXX, XXXX 's manager ) DROPPED my pre-approval to {$110000.00}! I think they are doing this because I am a low-income, XXXX borrower using government assistance, and that I have a large family of XXXX. XXXX mentioned that the amount lowered " after running it through automated underwriting '' but the XXXX handbook says specifically, in our situation ( where the XXXX voucher is paid directly to the lender and does not pass through the hands of the borrower ), that underwriting must be done by hand, so I KNOW he 's lying because I already sent them the instructions they were supposed to follow. I do have emails that outline all of this that I can forward to any investigator. I do n't believe it was appropriate to make me go through the full processing and underwriting before they " pre-approved '' me ( I 'm sure they do n't do that for OTHER borrowers ), I know they are n't processing my loan correctly, and I know they are n't following very clearly spelled-out rules the XXXX has for this loan. I do believe they are either trying to get me to NOT buy a home at all ( it would be exceedingly difficult in this area to buy a home large enough for XXXX people on {$110000.00} loan ) or trying to mitigate their own lending risk ( which would be illegal to give me different rules governing my loan application that they do not apply to others. ) If anything, with the good credit I have, limited obligations, and a very stable income ( XXXX ), plus the Section XXXX voucher to help me pay the mortgage, I should be a BETTER candidate for a good mortgage!
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (AZ)

I wrote a super check off of a credit card for {$9500.00}. My understanding was my monthly payment for the XXXX month special no interest, time period would be a minimum of 1 % per month. If the balance was not paid for at XXXX mo. end period, that rate would of course go up. 
I have called customer service XXXX 3 times. First statement said my monthly due would be well over {$300.00}. The rep told me that was not true, it would be a minimum of 1 % per month. Another rep told me the interest rate was 23 %. Another phone rep told me it was actually 2 % per month. I went to a local branch to speak in person and was told they would help. I requested documentation. After a couple of weeks they sent me a copy of my check which I do not need. I asked for a copy of the original agreement and they said that If I could not provide it, they did not have to. The bank rep said it was my fault. I asked if I could request a copy of my phone conversations from their service phone reps and was told they only do that for big customers. 
Things I was NOT informed of in writing : My first payment was to be the 3 % transfer fee. 
That they can demand different amounts monthly without notification. 
That the entire amount would be due at the end of the special offer. 
These points were defined in my original paperwork, which they refuse to give me a copy of. Last but not least, was the rude way, my bank of many years, Wells Fargo, treated me.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MN)

I received a copy of my credit report today from my bank in relation to a car loan application. The credit report showed a tax lien on it. I completely paid off that tax lien over 12 months ago. I contacted XXXX, Epererian, and XXXX and all of them said that the tax lien still shows on their records. All three were helpful and courteous. I called the Idaho Secretary of State and informed them that the XXXX credit rating companies stated that the XXXX has to send each of them the information that the lien has been settled and paid. The Idaho XXXX office said that that statement is not true, and that the XXXX credit agencies are required to update their files by contacting the XXXX office periodically. So here I am caught in the middle of the credit agencies and the Idaho XXXX XXXX XXXX saying that it 's neither of their responsibility to make sure that my credit report and scores are up to date, in this case, that my credit reports issued by XXXX XXXX and Experian no longer show the tax lien. So this is a complaint against all XXXX credit bureaus in that they are not regularly updating their systems to show that things such as tax liens are not removed from their computer systems so that the credit reports they issue to financial institutions show that I no longer have a tax lien. If the XXXX credit agencies are not required by law to periodically update and ensure that their reporting records are accurate and up to date, then a law needs to be passed that requires them to do so. This is outrageous that a consumer who meets their obligations with respect to paying off their liens or other debts have to go through the endless efforts of contacting each of the XXXX credit reporting agencies and file a complaint so that they remove those liens/debts from their records. Thank you in advance for taking the time to address my complaint. 
XXXX XXXX
Consumer complaint received 2016-06-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Island Title Services, Inc. (IL)

On XXXX XXXX, XXXX I was charged for a pavement assessment fee at the sale closing of XXXX XXXX XXXX XXXX XXXX FL. The fee was paid to XXXX XXXX XXXX for assessment dated back to XXXX XXXX, XXXX. When we purchased the property in XXXX XXXX, XXXX, Island Title Company gave us a clear title to the property. I put in a claim to Island Title for reimbursement of the payment we paid to XXXX XXXX of {$980.00}. After several months of emails and phone calls for status of my claim I received a response letting me know that Island Title would offer me a settlement payment for a portion of the payment I paid which I agreed to accept. I have only received partial payment of that settlement agreed payment and have left several messages and sent several emails and have not heard back from Island Title. Island Title has defaulted on the payment agreement made to me and I am now seeking to receive the full payment due me of {$650.00}.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have a duplicate account on my Experian Credit file and I have disputed this information with Experian on more than one occassion yet they continue to report XXXX the accounts. I do n't understand how XXXX different collection agencies can even own the same debt much less XXXX them report it on my credit report. I have attached a copy of my Experian credit report showing that XXXX the accounts say XXXX XXXX XXXX XXXX as well as attached documentation from both of the companies that they sent to me when I requested validation. Whether I owe the debt or not is not the point in this situation. The fact is that this account has been misreporting for years now and affected interest rates etc. for anything I have purchased. I 've spent hours disputing the accounts and following up and I 've done my part to get the issue resolved and seems as though noone can get their ducks in a row pertaining to these XXXX accounts being duplicates and both of them reporting. This is illegal.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

There is a collection account on my credit report from XXXX. 
I never received a bill. 
I have dispute this on my Equifax report back in 2013. 
I sent a letters for validation and dispute and the company never responded.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX, XXXX I made a paid in full settlement with the collection agency for Barclays bank Delaware by paying {$1000.00} as a full settlement for the balance of {$2000.00}. The advised this account will be charged off with a XXXX ( XXXX ) balance. But after that they have not charged off my account with zero balance and also sent me a bank statement dated XXXX XXXX, XXXX with a statement balance of {$2000.00}.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc. (NY)

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$4.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My name is XXXX, and I have been working with Bank of America 's home loan team for the past few months regarding a refinancing of the home loan for my second residence down in XXXX, FL. 

My loan application was rejected by BOA on XX/XX/2016 due to the % the of investors in the complex being above some predetermined threshold set by some agency. 
My frustration in this whole process is three-fold : 1 ) At no point during the home loan process was this ever identified as a potential risk. I would think that the loan originator ( XXXX ) or someone in loan processing ( XXXX/XXXX ) has done a cash out refi on a multi-family dwelling, and they would know that this was a potential issue. 
2 ) My closing date was pushed back 3 times and I was informed of the rejection the day before my 3rd closing date. This has left me absolutely scrambling as I am now having to start this whole process again nearly 3 months into it. 
3 ) When I was informed of the decision, no one from BOA advised me as to alternative solutions nor what the next steps are from here. XXXX provided me with the bad news, and she committed to connecting with me that week to discuss if there were any other options available to me. I have left dozens of emails + Voicemails with XXXX, XXXX, and XXXX since XX/XX/2016, and none of those individuals nor anyone from their team has responded back to me. 

I have been a very loyal BOA customer for over 15 years, and I have never had such a negative experience with this organization as I have had during this process. I have spent nearly {$1000.00} on appraisals and fees with nothing to show for it. 

I financially support my XXXX mother, and the money from this loan has been earmarked for her medical expenses. We are now having to delay appointments and treatments until I figure out a financing option ... .all of this occurring during the holidays. 

It is equally maddening that BOA states that customer service is a priority, and all of these individuals ' voicemail indicate that they will return the call within one business day.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Management Company (WV)

I was turned into collections by Credit Management CO acct # XXXX for a medical bill at XXXX Hospital. I have never visited XXXX Hospital before. The account is not in my name or birthday but it is my SSN. I can supply them with my Social Security Card to verify it is not me but I ca n't get this taken off of my credit report. My credit score has dropped XXXX points because of this fraudulent bill.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TN)

I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.
Consumer complaint received 2017-01-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Eight years ago, Wells Fargo tricked us into an account which charged us {$30.00} a month. I spent over 7 years trying to get Wells Fargo to switch the account. They refused. Finally, when the President of Wells Fargo was called before Congress, I tried again. They were suddenly willing to change it. A month later, I went on line to see something in my statements. I was not able to access my statements. I called to find out what was going on. I spoke to people in the executive office. At that time, Wells Fargo stated they had removed my access to my statements because I had changed my account. I pointed out that they are supposed to provide my statements, but they were not interested. Since they had taken this action, I pointed out they had forced me to stay in that account against my wishes and asked that they return the money ( {$30.00} a month for 8 years ). This was obviously a mistake. It started a vendetta against me. Immediately afterward, I was blocked from getting copies of cancelled checks. Then they cancelled one of our debit cards. I wrote a letter to the new President of Wells Fargo hoping to get some help with these hostile actions. I received a letter saying it had been received, but I never got another response. However, in response to the letter, the people in the executive office blocked me from transferring money between our accounts. Began charging fees on other accounts without reason, and then cancelled our other debit card. Each time they did one of these actions, I would call them to ask what they were doing. Each time I called, they responded with open hostility. They just sent me a letter saying they were going to close my kids ' college accounts. These people in the executive office are completely out of control.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. 

XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). 

XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. 

I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. 

I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. 

We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. 

I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. 

POOR, POOR, Customer Service on XXXX.