davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America Charged my XXXX Platinum Plus Master Card XXXX {$5000.00} and I Never Received Any Merchandise. I Contacted Bank of America Right Away and Bank of America Told me that they made a mistake and the Retailer Closed the Account after Receiving the {$5000.00}. I was Forced to Pay the {$5000.00} to Avoid interest and harming my Credit Score. The {$5000.00} was money I had Saved From my VA compensation for a Mechanical Bed. Bank of America Case # XXXX I contacted XXXX XXXX Bank of America XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Case # XXXX. When I contacted the Fraud Department They Recorded the Report I made and the Mistake They Admitted to on the phone but Stood by their Story that the Account Was Closed by the Retailer and he kept the {$5000.00}. I am a XXXX XXXX XXXX XXXX Veteran on a Fixed income and I have never recovered from this {$5000.00} Loss by a Big Powerful Bank. This is a Disgrace the way Bank of America and Master Card Treat Veterans. At the Time they Advertised on TV that you are Protected by Master Card and they told me on the phone that is not True in every Case.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

I found out I had a judgement/lien placed on my home by XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the XXXX, XXXX, XXXX XXXX XXXX, XXXX. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX was purchased by Paypal Inc and assumed the debt. The original debt was {$3000.00}, evidently XXXX, XXXX, XXXX XXXX XXXX, XXXX. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original XXXX XXXX dollars. They notified me the next day that their client Paypal counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX. I however got sick and was hospitalized and never was able to make the agreement. I called back in XXXX and explained the situation again, this time a representative of XXXX, XXXX, XXXX XXXX XXXX, XXXX. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent XXXX, XXXX, XXXX XXXX XXXX, XXXX. the documents on XX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XXXX they had an answer in ONE day to collect money. It is not XX/XX/XXXX and I do not understand why this is taking this amount of time.
Consumer complaint received 2018-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have an account with Coinbase that was started with an email that I no longer have access to. This prevents me from having access to the account. I Called Coinbase support and had my ID verified with respect to this account. They told me they could retrieve it for me. I also have another account with coinbase with an email that I still do have access to, which would make this relatively easy. I was given a case number, # XXXX. However, this was more than 7 days ago, and there has been no follow up and when I call Support again they say there is no timeline to get back to me. So my complaint is I would like to be informed of a timeline to sole the issue.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received my statement and noticed a late fee. I called the issuer Wells Fargo regarding the late fee on my account. I spoke both with costumer service and the costumer service supervisor. My minimum due monthly is {$410.00}. I have set up electronic payment to withdrawal from my personal bank to Wells Fargo weekly at {$100.00} per week. On my current statement there are XXXX payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling XXXX in payments. Wells Fargo sets a statement closing date and a week earlier due date. On that they claim my XX/XX/XXXX payment was posted after the due date of XX/XX/XXXX but before the statement closing date of XXXX and will count only as an extra payment on the account. What I find unfair practices is that they say my XX/XX/XXXX payment was posted after the previous XXXX XXXX was closed and before the new statement was created even though the payment is on the statement created on the XXXX of the month of XXXX. Which they also want to count as an extra payment. They claim only the amount of XXXX fall within the due date. If you create an invoice on a date and receive a payment on that same day my payment should count towards my balance due otherwise it would have fallen on the previous statement. I have a XXXX late fee I asked them to waive along with the same scenario that occurred on the XXXX statement also. Which they refused to issue a credit for also
Consumer complaint received 2018-04-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Good Evening. My name is XXXX XXXX. I have a problem with the way that my auto loan company is dealing with me. Im a victim of he Hurricane back in XXXX. I have been stuggling to pay my car note. However I do pay it between 20-29 days after the due date. Prior to making payments if I pay on the 28 day. They will report me 30 days late. Im not understanding why. I contacted them and they say its a 2 day processing. So that will turn the 28 days to 30 days. Leagally I payed my car note before 30 days and it shows in the system. Why do I have to be penalized for there system. Its not fair and through my hard time I feel so horrible and they are treating me worse. I feel like they are mocking me through my trouble times and it has caused me a Great XXXX. Once a payment is made thats what it should b. I tried dealing with them and each person I speak to treat and talk to me like Im nothing. I guess they dont have financial difficulties and pray they never do. Because I wouldnt want them to feel pain like me. However leagally if I pay my carnote before 30 days. They should not fault me because of there system processin time. Thankyou
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I'm not familiar with the below inquire on my credit and should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2018 Alert Type Inquiry Processed Date XX/XX/2018 Inquiry Date XXXX Inquirer Name XXXX CARD Address XXXX XXXX XXXX, XXXX, DE, XXXX End User Text EIS/
Consumer complaint received 2018-01-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (CA)

For the last several years, I continue to get these emails from Speedy Cash to my work email. First, this was discharged in my Chapter XXXX bankruptcy in 2014. 
Also, they continue to send these emails with my personal information, saying there is a docket number ( case filed? ) I want this harassment to stop! I have made many attempts to cease this communication ( blocking emails incuded and they send from different email ) I have called and emails requests to stop and doesn't help.
Consumer complaint received 2018-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SUNRISE CREDIT SERVICES, INC (NY)

I was a former returned student at XXXX college in XX/XX/XXXX and I was misled and scammed by the college " in-house '' fees. I attended one or two classes for the winter semester of XX/XX/XXXX but I had to stop working and go back on XXXX. I informed the school on several occasions that I have been on and off of XXXX since XX/XX/XXXX. The college not only misled me with promises of charges upon completion if warranted would not show up on my credit report until graduation. When I first started in XX/XX/XXXX with XXXX they added over {$20000.00} in loans but recently sent my a fee for {$5000.00}. I have only completed a year of credits that are not even recognized by another school to transfer. This school is ripping people off and putting students in financial hardship while students are on XXXX while harassing me and threatening to take my assets. I have a bill they are charging me for that was not reported to the Federal government. They make a financial gain off of the students by putting them into large amounts of debt. The college is very expensive, not a recognized/reputable college and always being investigated. I was XXXX XXXX and going into financial hardship with the out-of pocket fees. My credit report with the bogus fees and loans has damaged me from finding an apartment. This is absurd that I am constantly harassed and I am being threatened by the school to take my non-existing assets.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been a member of a group for those who are recovering from bankruptcy. The name of the group is called XXXX XXXX XXXX, and is run by a man named XXXX XXXX. 

In XXXX of XXXX, XXXX sent an email solicitation for a 1 on 1, face to face, lunch meeting with him in XXXX, GA ( XXXX ) to talk about anything we wanted for {$500.00}. We were to send XXXX 3 dates between XXXX a XX/XX/XXXX. 

A few weeks after signing up, I had major XXXX, and was unable to send dates due to complications which lead to hospitalization. 

When I returned to work, I reached out to XXXX on XX/XX/XXXX, I reached out to XXXX via email informing him that I had had XXXX, and was just getting back into the swing of things. I asked about my 4 hour session and received no response. 

I reached out again on XX/XX/XXXX. This time XXXX replied that I had missed the date, and that I could maybe take advantage during XXXX, and XXXX XXXX 's later this year. I advised XXXX that, that does not work for me, and asked for a refund of my funds. 

He then came back and offered me a 2 hour session, via telephone. I advised him that I had paid for 4 hours, face to face, and that was what I wanted. I again requested a refund, and received no response. 

On XX/XX/XXXX, I reached out to my bank, Bank of America ( BOA ), and requested a chargeback of my funds. The following day, XXXX and I literally had an email war with him threatening me, and telling me he would get his money back. 

At this stage, I do not want to have a session with him at all! I inform my bank of the same. 

At any rate, on XX/XX/XXXX, BOA notified me that they would be reversing the chargeback on XX/XX/XXXX. Their decision was based upon documentation the merchant provided indicating that the service was rendered and available to me. And, that per the documentation the Merchant has a 30 day money back guarantee. 

In response to BOA, my argument was that I have yet to the receive the services, and the so called items that were supposed to come along with it. The merchant is back to being unresponsive, and the documentation he provided them stating a money back guarantee was bogus, and contained information for XXXX, Colorado, not XXXX, Georgia. 

Furthermore, I have since discovered that this man is a con artist who has been conning consumers for years now by offering services, etc ... and never providing them, and when he is sued, he files bankruptcy. 

I also provided BOA with the websites where I found some of the disturbing information I discovered about XXXX XXXX. 

The first one is XXXX, and, the second one is ... XXXX XXXX XXXX
Consumer complaint received 2018-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I sent {$1000.00} to my cousin XXXX XXXX in XXXX through Moneygram reference number XXXX. Half of the money was to be used to take my aunt to the hospital and half for my clothes. He attempted to pick the money up on XX/XX/18 at XXXX XXXX ( XXXX XXXX ) and was told that the reference number was wrong. He then called me to get the right reference number. After that, he went back to the same bank to get the money and was told that the money has been received. He explained to them that he did not pick the money but they kept telling him that the system shows that the money has been picked. He called me and informed me about. I called Moneygram and reported the case. Moneygram has refused to disclosed proof of payment ( the location where the money was picked and by whom ). Moneygram said they are investigating the case and it will take up to 90days.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MS)

Back in XX/XX/XXXX I gave my XX/XX/XXXX XXXX XXXX back to Santander consumer now XX/XX/XXXX the charge it off n sent me a bill for {$4000.00} basically now they is still reporting to all three bureau that Im late on payment how can u be late on something was charge off in XX/XX/XXXX now all XX/XX/XXXX-XX/XX/XXXX they been report as late payment how can they keep doing this is all i want to know
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Notified by Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX that my personal loan had matured and that I owed $ 2,000+. I replied that I would try to pay balance by end of XX/XX/XXXX.

I realized later that I should not have such a high balance since I had been making payments ( although late ) and had not been over 30 days more than twice during the life of the loan.

I went into the branch office and requested the history of my account to see why I had this high balance. The representative could not give me an answer so I requested the history of my account.

On one of the weekly collection calls I was told that the balance was the accumulation of late charges ( 40 ) and interest.

When I received a collection call yesterday, XX/XX/XXXX, I inquired about my account history request and was told credit was still working on the request as many steps are involved in retrieving the information. Also, I was told that as I had made a payment on XX/XX/XXXX the balance had dropped to $ 1,900+.

I believe this balance is late charges & interest. I want to know whether NFCU 1 ) has been charging me late charges ( {$29.00} ) every 10 days ; 2 ) whether I am charged interest on late charges ; and 3 ) whether NFCU has reported these late charges as payments past due on my credit report.
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

After nearly 2 years of battling back-and-forth for proof of this so called that this company fails to provide proof that it ever existed nor that I ever agreed to such account. Through communication tactics that are unbelievably sleazy and illegal I have yet to receive any proof I ever agreed to anything of the sort will put my name on anything having to do with what they claim.
Consumer complaint received 2018-03-14
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: Experian Information Solutions Inc. (NY)

On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and Experian note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (CA)

I have been receiving bills from both the Army and Airforce Exchange and XXXX XXXX XXXX regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (IL)

On XX/XX/2017 XXXX XXXX XXXX cancelled our contract, closed my account and tranferred the account to another lender with a balance of {$18000.00}. Therefore, by the creditor, cancelling our contract terminated any obligation due by the account holder.
Consumer complaint received 2018-04-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (CA)

onXX/XX/XXXX at XXXX I drove my vehicle to XXXX to buy milk for my son and when I was driving back my car shut off and shortly afterwards a tow truck pulled up behind me started lifting the rear of my vehicle, I yelling for them to stop and once my cars was lifted high in the air, two men approached both sides of the car shinning flash lights in my eyes demanding me to exit the vehicle or I would be arrested. This continued for about 5 mins or longer. They continued to threaten me to be arrested and the police were on there way and I was going to jail. I police vehicle arrived and the two men walked away from my vehicle. I couldn't what was happening because the police had there spot light pointed at my vehicle. About 5min had passed and the police hadn't come talk to me, so rolled my windaws down and asked if he would come talk to me. The officer told me to keed me hands out of the window and he would instruct me how to exit the vehicle, The had me keep my hands over my head and walk backwards towards his voice until I was told to stop and drop to my knees. I did as they asked and when in view there were 4 offices with there weapons pointed at me. the officer said that I was not under arrest at this time but, I was being detained. I tried to explain my side of events but, they were not interested in my statement. I was told the I would in-cuffed and to go on home that my car is being repossessed.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Synovus Bank (FL)

Found and add online for a Prepaid Credit card to assist in building credit. I prepaid XXXX $ to get the card. A week later I received it in the mail. Company name Is XXXX XXXX, and the card is a XXXX XXXX. Soon after I activated my card via the number provided. Ever since, I have attempted near 10 different locations to use the card, and all have been declined. Iv been charged a fee every month for not using the card, and after excessive amounts of attempts to contact personnel, I have gotten no where. All phone numbers provided go to a recorded voice with no voicemail options, Online login is a no go, and my credit is only dropping. I am unsure how to escape this nightmare, and also have noticed the company has horrible reviews online and probably scams many people.