davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

After several phone calls and emails, I found that I was lied to by a staff member that told me to make a higher offer to settle my account. When I spoke with the manager, I was told that they do not accept pay offs and the only reduction I would see would be a couple hundred of dollars off the interest. I was told I needed to make a {$1000.00} deposit and then have payments of over $ 350/mo to pay off the balance. I am ( like most of their clients ) not able to pay {$350.00} a month after putting down such a huge deposit. I want to reasonable payments of $ 100-150/mo. This company does not respond to any emails, though they direct you to send emails to make offers and this company does not even accept offers for pay off, in other words, they run you around wasting your time whilst adding more interest every day. 

I sent this letter to XXXX : I am enclosing a payment of {$200.00} toward the balance on my account. I was informed ( incorrectly ) that you accept payoff offers, and made and offer of {$1800.00} ( the highest I can go is {$2200.00} as this balance will be moved to a credit card ) and that offer was declined XX/XX/2018. 

I will sending a copy of this letter to XXXX to let them know that I am attempting to resolve this issue by either making a payoff or setting up reasonable payments ( $ 100-150/mo ) in the attempts to settle this issue. I have also opened a case with XXXX since I believe that I was seriously mislead by one of the employees, and this can be confirmed by listening to the recording of the conversation. 
My intent is to settle this account, as my debt counselor advised me that having this account in collections is negatively effecting my credit score.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

We are all aware of the numerous Wells Fargo account fraud scandal. I would like to make you aware of another distressing situation concerning Wells Fargo. 

On Saturday, XX/XX/XXXX I made an ATM deposit and deposited a check in the amount of {$12000.00}. This check was from my business account at XXXX XXXX XXXX XXXX XXXX. The check was made payable to me and signed by me. During the ATM deposit I incorrectly stated that the amount was {$1200.00}. Today is XX/XX/XXXX and none of this {$12000.00} is available even though the funds were removed from my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. Yesterday on XX/XX/XXXX I spent 75 minutes of my time on the phone with various Wells Fargo associates. Initially I was told that Wells Fargo had placed a hold because they were unfamiliar with the bank. Then I was told that one of the numbers on the check were wrong and hadnt been cleared and verified by XXXX XXXX XXXX XXXX XXXX, but yet the check cleared as {$12000.00} was removed out of my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. 

According to Regulation CC they are required to make the first {$5000.00} available. I am being told that my funds will become available on XX/XX/XXXX or XX/XX/XXXX. 

Although I dont need the funds right now I believe these ludicrous statements are also being made to other WF consumers who actually may need the funds and that they are utilizing the funds during this period of time while making it unavailable for withdrawal. 

My case number with Wells Fargo is XXXX And the Wells Fargo Executive Phone number I was given to follow up on my case is XXXX. 

Thank you
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (SC)

Received unsolicited phone calls for debt collection company on several different occasions multiple times a day for person that was not me ( Looking for a " XXXX XXXX '' ). They left no information or voicemail. They would call up to 4-5 times per day. Ultimately I called them twice to have my name removed from the list however I work nights and these phone calls were harassing in nature without any information left to identify the collar or reason for phone call in voicemail.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This is now the 3rd complaint submission to the CFPB about the same problem, as Bank of America continues to " lose '' faxes and continuously tell me wrong information that keeps me running in circles. As of XX/XX/2016 my father passed away ( XXXX XXXX ). The home I live in was under mortgage with BOA and my father was the borrower. I am the sole beneficiary on the deed. My father XXXX   unexpectedly. I, soon after his XXXX contacted BOA about taking over the mortgage. Since that original call, I have applied for modifications ( under the suggestion of BOA reps ) multiple times. Some have been " lost '' and some were just denied. A rep from the qualified assumptions department stated all he needed was an " affidavit of death '' I did that. It led nowhere. I then submitted information to the " title change department '' they then had me apply for a modification, that was subsequently denied. XXXX XXXX of BOA had me then fill out a qualified assumptions package. I checked with her several days later. She stated it was " lost '' She said she would call me the following Friday, XX/XX/XXXX. She never called, and every time I tried to contact her BOA message stated " your customer service rep is not available ''. I then submitted my 2nd complaint to the CFPB. I received a call from " XXXX '' in regulatory complaints. He stated assumptions are done all the time with no problem and all I needed to do was send in a letter with the deed to become successor in interest to this department " noe-rfi ''. The address XXXX gave me came up undeliverable by the USPS. I called him back to double check the address. He never returned my call. The letter was sent with tracking and signature required. The letter was never picked up. I have included a recent document from BOA, that clearly states I am eligible to APPLY for an assumption but to be approved would be based off of a credit report and the " ability to repay ''. This letter DIRECTLY contradicts everything the CFPB has clarified regarding heir 's taking over a mortgage when a borrower dies. The CFPB directly states in those circumstances the heir should not be made to jump through unnecessary hoops and also should not trigger the " ability to repay '' rule. I wish to remain in my home, I wish to assume the mortgage but with BOA constantly telling me the wrong information and losing my faxes, I continue to get nowhere. Please help. Thank you.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (GA)

XX/XX/XXXX Letter written to Management of XXXX @ XXXX XXXX & NCC Business Services To NCC Business Services : XX/XX/2017 Below is the email I sent to XXXX @ XXXX XXXX. I hear by dispute the validity of this claim in writing and refuse to be bullied into replacing a carpet that should be replaced anyway. The monthly rent should allow for the replacement of the carpet after each tenant. This cheap carpet is designed not to last and the apartment complex counts on that to make each tenant put in new carpet. This way they never have to pay for a cleaning or the carpet. I will not pay this claim. 

To XXXX XXXX : XX/XX/2017 I just received your invoice to replace the carpet in the Apartment I rented for a year. First of all, I noticed pet odor listed on the report. There never was a pet left there unattended and there never has been a pet use that apartment while I occupied it. There had been previous pets, because when I took over the apartment the teeth marks were in the doorway to the bathroom as indicated on my move-in inspection form. Any stains in that carpet were due to the design of the apartment. The trash either goes in the kitchen or the laundry room ( to keep it on the vinyl ), trash bags sometimes leak and the only way to get out of the apartment is across the carpet and out the front door. The stains you see are due to leaking trash bags, not pets. I recommend tiling, vinyl or hardwoods from the kitchen to the front door and it would resolve that issue. I gave my XXXX dollar security deposit upon move in to handle any concerns, but to be honest I expected it back because that apartment was well maintained, and your rent was on time. The quality of the carpet and the design of the apartment made those stains unavoidable, and could have been removed from a professional cleaning ; however, I guess there isnt much motivation to do so since you can just pass an invoice on to the prior tenant for new carpet. You can keep my XXXX security deposit, but I will not be paying for the replacement of the carpet in that apartment. The threat of a collection agency does not scare me, nor does the threat of hurting my credit. I will not be bullied into sending you money that I feel is not warranted. If I am contacted by a collection agency I will resort to social media to expose this scam.
Consumer complaint received 2018-03-19
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: HCFS Healthcare Financial Services of TeamHealth (MI)

I have disputed inaccurate information multiple times with XXXX, XXXX XXXX and XXXX XXXXXXXX service. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX PA {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX PA
Consumer complaint received 2018-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Around XX/XX/XXXX, I disputed a collection on my Transunion credit report from XXXX XXXX XXXX. I requested an investigation by Transunion. Upon waiting for Transunion investigation to be complete I also sent a validation letter directly to XXXX XXXX. Transunion completed their investigation on XX/XX/XXXX. The results were that the account was verified. I am questioning the verification for several reasons. What information was provided to validate the debt, who validated the debt? My reasons are is, I received a letter from XXXX XXXX XXXX on THEIR letter head with an account number and it also states the letter was assigned to them. The company did not provide any proof from the original Creditor stating they assigned the account to them. I also went as far as to contacting XXXX XXXX who assured me they did not assign an account with my information to a collection agency. I was told again to dispute it with the bureau. ( Transunion is the ONLY bureau reporting this bogus collection ) This account has not met the standards according to the FDCRA as proper validation. Anyone can type a letter and add numbers to it. They also were not able to provide a contact or anything with my signature on it. 
XXXX XXXX did not meet the burden of proof and Transunion failed to complete a through investigation according to FDCRA guidelines.
Consumer complaint received 2018-03-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After 12 years since we sold house, bank send bill for {$10.00}. when I called they have no explanation for what and they not sure if they will not bill more again. This account was HELAC we closed 12 years ago. Since then we been never contacted by bank.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

After suffering the loss of my XXXX year old brother and diagnosis of my father with untreatable XXXX, I returned to Florida to help my family and was burdened with hurricane Irma 's wrath right upon my arrival. I struggled to make payments but set up a Target facilitated payment plan in XXXX, however they continue to charge late fees ( I understood interest to be charged, but thought the plan terminated these fees ). I even called and their representative said a payment plan would stop the fees, and when I questioned why I was then charged fees from XXXX through XXXX, despite making the agreed upon payments. She refused to offer any explanation or help with the {$100.00} in erroneous, unfair, and unexplainable late fees.
Consumer complaint received 2018-03-09
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: JPMORGAN CHASE & CO. (TX)

In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of JP Morgan Chase Corporate Offices, And Chase Banks. As ' of Most Recent, I am still seeing JP Morgan Chase as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. Chase Bank and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XXXX of XXXX in XXXX, XXXX. In XXXX of XXXX, while spending my Summer in XXXX XXXX, XXXX_ I ' found out that ' Chase Bank in XXXX did not. close the Safety Deposit Box after, Papers were Signed in XXXX in XXXX, XXXX. In XXXX, XXXX and XXXX, I ' had asked Chase Bank for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in XXXX a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by JP Morgan Chase, And made Additional Reports to JP Morgan Chase Fraud Prevention with No Success in Continuing Pinpoint Service Errors.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP (IL)

XXXXXXXX XXXX XXXX Credit Card through XXXX XXXXl On XX/XX/XXXX, I called XXXX XXXX to initiate a name change request and to report that I had found out my identity had been compromised. I spoke with a customer representative would initiated the name change request and mailed a form to my existing address. She then transferred me to a fraud specialist who said that can put an alert on the account to verify additional information before making changes to the card. There was no mention of never to be able to make changes to my account. I would I received the form to make the name change and mailed it along with the copy of drivers license as requested. 

I then received a letter from XXXX saying that the can not make the name change and to contact customer service. I also tried to log on to make a payment and my online banking had been turned off. 

On XX/XX/XXXX, I called XXXX and spoke with multiple customer service representatives. After an hour long call, the Fraud rep stated that no changes could be made to my personal information due the compromise of my social security number I reported. However, I was free to continue to use the card under my existing name. I asked how that made any sense and what would happen if I was requested to prove identity at a business while using. I asked how I was to receive a statement as my online banking was turned off. I also asked how I would be able to change my address, if I were to move and had a balance as the alert on the account would not allow for any changes. She was kind and apologized but stated there was nothing that could be done because the " higher-ups '' put the restriction on my account. I asked if there was a phone or a way to contact the " higher-ups '' and was told no. 

I have been a customer since XXXX. I was able to provide a correct answer to identity and card verification. I also have used the same cell phone number for the same number of years. I own the home I live at and could provide a deed and other pertinent records to document my name. Also, even with the fraud, my credit was still in good standing with no high balances or late payments ( even on the two fraudulent cards that were reporting as I was able to resolve quickly with those creditors ). I can show that I have been a customer who has made all payments and utilizes the account as needed. 

I also spoke with the XXXX, IL XXXX Illinois XXXX to see if they would be able to submit a request or provide me with more information to see if there was a way around the " alert '' that was placed on the account.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX Capital One closed my credit card account that goes back to at least 2011. I have another credit card with them that I use on a current, regular basis for which I receive emails and text notifications. 

On XX/XX/XXXX, I called Capital one as I just learned that one of my credit card accounts was closed without my knowledge and I was not notified of this. When I called and spoke to Capital One they claimed they weren't able to find anywhere in my account that they had send any kind of notification to inform me of the plan to close my account and when I asked if it could be reversed and the account re-opened they said " no '' and that Capital One had made a business decision to close inactive accounts and would not be reopening them. 

Additionally, they admitted they had the correct, current information ( address, email, phone number ) for my other card and I confirmed I received notifications regarding it but that they did not have correct, current information for my other account that is now closed. It seems to me that when I created the new account or any other time I have contacted Capital One that they might have noticed that the address or email on one account doesn't match the other and I would have gladly given them my correct, updated info. Also, when I look at my online profile which has both accounts information available and I look at my address, phone # and email they all show the correct, updated info so I would never know that they had different information on their end for one account and not the other. However, they claim when you call about one account they can't see the information associated with the other account. I don't think it's fair for my credit to be negatively impacted by their poor business decisions or because they failed to contact me or to maintain the correct contact info for me before they closed one of my oldest credit accts. 

What's also strange is they did send me an email the day the account was closed saying that a change was made to my credit ( as part of their XXXX XXXX XXXX   ) but that it didn't affect my credit.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I currently bank with Navy Federal Credit Union. I recently made a deposit of {$3500.00} that my brother loaned me. This check was to help me pay some bills that I am behind on. Navy Federal has frozen my accounts and locked me out of my account. Furthermore, they withdrew funds from my daughter 's account to back pay some of my bills without my consent or my daughter 's consent. When I called to speak to a representative, I felt they made threats to me about canceling my accounts and me not being able to bank with them.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Jennifer McCoy, PC (TN)

XX/XX/XXXX- paid remaining balance owed on rent to the XXXX XXXX XXXX   in XXXX Tn through a collection agency affiliated credit. XXXX XXXX was the person I spoke to about the account and paid the balance in full after 3 payments totaling XXXX. 
XX/XX/XXXX- received a wage garnishment judgement that was issued on XX/XX/XXXX and prepared by The law offices of Jennifer McCoy , this is my first notice that an attempt was being made to collect this debt. 
XX/XX/XXXX- wages were deposited into my account minus the judgement of XXXX. I had no opportunity to dispute this because of no notification. On this day I called the law office of Jennifer McCoy and spoke to XXXX, a very rude individual who offered no help. I was told that they couldnt help me. I then called XXXX XXXX at affiliated credit who verified that he showed a XXXX balance and would forward it the Attorneys office. He didnt. I. I called the XXXX XXXX XXXX and they provided proof to the attorneys office.I also requested a copy of the account information be sent to me, he didnt. I have called the attorneys office several times, the apartment complex several times and got varied information but not a refund. I was told by the attorneys office I would receive a check, gave my address after reminding her that she didnt have it because I have never received any mail from her, call back the following week and Im told they dont have any funds for me, they didnt receive any and I would have to call the county clerks office, still havent heard back from the clerks office either. The apartment complex told me I would receive a wire transfer but they dont have my bank information or address either.
Consumer complaint received 2018-07-31
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: Bread Financial Holdings, Inc. (IL)

The company said on the phone I would become platinum instantly. I expect to become platinum instantly if that is what I was told. They mis advertised their product/credit card. Yes these are 2 different companies but they are promising platinum instantly in order to phish you into getting their credit card.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

Dear CFPB, I would like to cancel my American Express Platinum card. American Express Platinum will not allow me to cancel without taking my {$550.00} annual fee. I was charged this less than 45 days ago, they won't even give me a XXXX XXXX partial credit for it. I wasn't able to call in earlier as I just saw the statement that I am paying for tomorrow. I would like the CFPB to help so I can get my {$550.00} back or at least prorate it. They already did this to me in 2017 to keep my on board one year, they are trying to do this again and I am not happy.