davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

On or about XXXX XXXX of this year, I spoke with a " Service Representative '' at the 'Main Office ' at PNC Bank in XXXX , Pa . I had called because I saw a pending payment to XXXX XXXX XXXX Co . I requested a 'stop payment ' because no application should have been submitted to them. I was told that I would need to file a 'dispute. ' I asked if she would do it? She replied that she would. I, also, requested a stop payment on any request coming from " XXXX XXXX '' and, and, again she said yes. 
However, both requests were ignored and PNC paid both and, immediately, begin charging me overdraft fees which totaled over {$100.00} for the month of XXXX 2016. 
On XXXX XXXX, 2016, I asked the 'Representative to transferred {$900.00} from savings to checking to cover overdrafts and 'accounts payable. ' To my surprise, when I checked my balance that afternoon on the same day, my 'personal checking ' showed a negative balance of {$840.00}. The teller at the " XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD. corrected the and I had a balance of {$58.00}. But, on XXXX/XXXX/16, I, again, checked my balance and had a negative amount of {$110.00}. 
I want PNC Bank to return to me all the monies owed me for overdrafts and fees which should not have been charged My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , MD. XXXX. Home Phone is XXXX. My cell is XXXX My 'personal account number is XXXX
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I called Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to get my address updated. On 2 separate occasions a wrong address was added to my Equifax report causing me to not be able to access my credit file electronically via a credit monitoring system. I have faxed all supporting documentation via fax to XXXX as instructed by a representative that I spoke with on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm whether or not the information that I faxed in had been received. Then again called on XX/XX/XXXX and was told that my fax was indeed received and that a dispute would be put in to update my information. The confirmation I was given on XX/XX/XXXX shows a status of complete, but an incorrect address was updated once again. On my call on XX/XX/XXXX, I am now being told that the confirmation number I was provided was for an account by the name of XXXX XXXX which is incorrect as that was a dispute put in prior to my phone call on XX/XX/XXXX. I was told that Confirmation # XXXX was the dispute of my address which was done on XX/XX/XXXX and completed on XX/XX/XXXX. If that confirmation was indeed for XXXX XXXX then there is no way that account could have come back verified with 1 day.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

I opened up a Citigold account in late XXXX XXXX when they were offering a promotion for XXXX XXXX points. The terms of the promotion were that in order to receive those points, I would have to open the Citigold account and make XXXX consecutive bill payments within 60 days, which I did. I confirmed with their customer service representative by online chat, I also sent security message to citibank to confirm it, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. I should received the XXXX points on XXXX XXXX, XXXX. I did not received the XXXX points on XXXX XXXX, XXXX. Then I sent several emails to Citi bank. The feedback I got is CitiBank need reevaluate if I met all the promotion conditions, and the time to respond to me is unknown. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

On the personal information for my credit report list a home address of XXXX XXXX XXXX XXXX XXXX Ohio XXXX. Id number XXXX. I never lived at this address. Also i have never used the name XXXX. id number XXXX
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc. (NY)

I received a dunning letter from AllianceOne Receivables Managment , Inc ; that derived from a traffic situation. They said that they were a debt collector, I confirmed under 15USC 1692 ( a ) ( 6 ). I requested validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G. mailed by USPS Certified mail No. :XXXX. On examining their communication I found that they committed violations of 15USC1692 ( c ) by not having prior consent from me prior to contacting me, this is Identity thief under FDCPA and FCRA XXXX CFR XXXX. No prior consent also violated the Gramm-Leach-Baley Act. Their communication also do n't have the required language pursuant to 15 USC 1692G, there is no miranda on the communication that stated I have 30 days to dispute their claim therefore their communication is considered under 15USC 1692D to be harassment and abusive. In addition their communication violated 15 USC 1692e by making threats.
Consumer complaint received 2016-08-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CO)

I ordered a product that turned out to be not as advertised. I returned it using the return shipping label that was provided in the package. I tried to resolve this with the seller, who said they run into these types of problems all the time and would refund my purchase minus a 20 % restocking fee. I told them the product was not as advertised and I was owed the full refund. Then the seller said I need to register my email with paypal in order to receive a refund. When I told them I was registered as such, they said they could n't find it and they had " to move on '' and would " not respond to any more emails ''. By that time, it was outside the window in which Ebay could have helped. Paypal said they would help but they need the tracking number, but I explained that the seller would have that because they issued the return label, but they do not require the seller to help resolve this, so no help. I am out my money as well as the product and I only did what was normal, return a product using the label provided by the seller. Paypal could and should refund my money. Paypal protects sellers who are crooks and scammers.
Consumer complaint received 2017-03-23
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

American Medical Collection Agency is trying to collect on the medical bill that was paid directly to the medical provider, through HSA account. Despite numerous attempts to request AMCA for the debt validation, the continue to harass me with their collections. Also the amount they trying to collect does not match anything that I was ever billed for.
Consumer complaint received 2017-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Hello, I have USD Wallet in my Coinbase account and I have made three transferences from my bank account ( XXXX XXXX XXXX ) to my Coinbase Account. These transferences were made the X/X/2017 ( {$700.00} ), the second one was X/X/2017 ( {$300.00} ), and the third one the X/X/2017 ( {$2000.00} ). I can see the total amount is in my account but I can not buy or withdraw the money. Each time that I try to move it I get the following message : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn. '' I have provided several times the information that they are requiring but the system does n't recognize it. I have emailed them twice but I have not got any answers from them in a week. I am an XXXX XXXX with an XXXX, and I have a job XXXX XXXX, so I have a Social Security Number. I am hoping that they can verify my identity ASAP, since they were able to verify my identity through my Texas Driver License before. Thank you in advance.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CO)

my first loan was Indy/mac XXXX. Then it went to XXXX XXXX which was a loan modification company. Then it was transferred to XXXX another loan modification company. I was paying XXXX dollars a month. In XXXX XXXX I had XXXX XXXX XXXX and had to stop work for nine months but I was making my XXXX dollar payments to nationwide. In XX/XX/XXXX IndyMac /XXXX sent a letter stating I was to pay XXXX in three payments for taxes on the property which I paid and then gave them another XXXX check toward the past-due loan which came my father 's estate upon his death. Then in XXXX I had XXXX from XXXX and was out of work. I then retired XX/XX/XXXX. I was still paying the loan modification company. During this time my wife left and now I 'm divorced. I am also dealing with the VA over the XXXX XXXX that prompted the XXXX XXXX. Next thing I knew I was dealing with OCWEN which is the bank that IndyMac/XXXX transferred my original loan to OCWEN had sent me loan modification papers that required filled out over and over again .One major thing they messed up on was the property address which was different from mailing address. There are XXXX XXXX XXXX XXXX. XXXX is XXXX XXXX and XXXX XXXX which was in the low income area. They continually used the XXXX XXXX as the property address. They had pictures of the wrong house. This went on for months. It seemed like they were stalling toward resolution. When they finally came to a resolution, they wanted me to pay {$280000.00} the loan # XXXX. The amount left on loan before all this started was {$180000.00}. I have been trying to settle this and it has dragged out 24 months. I 'm now dealing with XXXX XXXX Cause I filed a complaint against XXXX for Quiet Title I am the Plaintiff in XXXX County Supreme court index # XXXX well Eyes were raised and OCWEN still wo n't deal I offered to a loan Mod of XXXX at 2 % for 30 years I have not heard maybe you can shake them up cause I do n't get answered. XXXX as far as me, I am A XXXX vet with XXXX and they messed up my credit and I 'm not stopping till OCWEN is stopped the house is worth XXXX and I 've got XXXX in pension money before I retired. I stating this is all true against OCWEN and XXXX
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My wife and travel frequently for business. We have banked with Bank of America for years. 
We typically use our main account debit card to get cash in local currency at an airport ATM when travelling internationally. This worked for my wife on XXXX/XXXX/2016, for instance, in XXXX. At the XXXX my wife was unable to get cash using her card through an ATM in XXXX. When I went to our local bank branch and spoke with the manager, I was told that BoA now requires posting a prior travel notice online in order for international ATM transactions not to lock a debit card. She said that if such a notice was posted, the card would work unless there were other " suspicious security factors. '' On XXXX/XXXX/2016 I posted such a travel notice on the online banking BoA site for my debit card and received an email receipt. On the morning of XXXX when I tried to use my card to get XXXX from an ATM in XXXX airport as per my travel advisory, my card was locked. I spent over 40 minutes in the airport trying to get through and finally was told by an automated system that the office would not open until Monday. I was finally able to get XXXX on XXXX. 
When I returned to XXXX, I went to my local BoA branch and made an appointment to speak with the same manager that I had spoken with before. Her assistant confirmed that the card had been blocked, that there was a valid travel notice, and could not cite any other security issues. When I returned, the manager was unavailable and did not call me back. Her assistant promised that I would receive an explanation of my card blockage by Monday, XXXX, but I have not been contacted. 
I find this both extremely frustrating and dangerous. My BoA branch can not explain why the card was locked. My online alerts document that I posted a travel notice but mention no security issues. The process of trying to get a card reactivated involves yelling personal financial information into a cell phone in a crowded and noisy airport. And since work has required my wife and I to travel over the past few years to XXXX, XXXX, XXXX, XXXX, and XXXX, I do not approve of any " security '' scheme that prolongs a traveler 's time in an airport or other public transport hub.
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Computer Credit, Inc. (NY)

I visited XXXX Hospital as a result of a XXXX accident on XXXX/XXXX/16. I indicated on my admission papers that my visit was a result of a XXXX accident. I received a bill dated XXXX/XXXX/16 from XXXX Hospital indicating that I owed {$40.00}. I spoke with a manger XXXX on XXXX who assured that the claim would be processed through no-fault. I also corrected my address which had also been done at the time of my hospital visit. He denied my request to memorizlie our conversation in writing. 

I then received a collection notice from Computer Credit , Inc. dated XXXX/XXXX/16. I called and spoke to XXXX on XXXX/XXXX/16. She advised that there was a note indicating my XXXX/XXXX/16 call but it did not indicate the nature of the call. She assured that this time the payment from my private insurance would be reversed and put through no-fault, but she too advised she could not put anything in writing. However, at my request she advised a manager would call me back within the week. I never received a call. 

I then got another collection notice from Computer Credit , Inc. dated XXXX/XXXX/16 claiming I still owe this debt. 

I sent a formal letter memorializing this entire process dated XXXX XXXX, 2016 with attachments, which was copied to this office.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Action Financial Services, LLC (OH)

To Whom This May Concern : I took a loan in XXXX from the Dept of Ed. Today I received a letter from Action Financial Services for a default on my student loan and this is XXXX of many. I last paid {$50.00} to the Dept of Ed XXXX XXXX 2016. They stopped sending the bill. This happens after paying right before the XXXX payment which throws me back in default. I keep trying to reach the Dept of Ed to get the bill sent to : XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX which is me who is typing the complain. 
They have went as far as taken my tax returns and NEVER applied then to the loans. I 'm concerned because they 'll tax my returns this year. I 'm at the point I 'm tired of fighting to get US Dept of Ed to except payment from me. 
I 'm a single Mom with a XXXX child that depends on my returns. I feel I 'm being scammed even thought I 've paid on and off for 10 years.I want a break down of all payments and I want to see where they applied my tax return. I 'm fighting a loosing battle. I 've spent hours of my time trying to do the right thing and pay my loan.I feel harassed by Action Financial Services XXXX CA XXXX. They wanted me to make payments to them when actually I was paying the dept of ed. 
I need this resolved with a break down of payments. All I want is to pay the bill to Dept of ED and not be harassed by AFS. At this point the time spent arguing to pay I should charge then hourly. I 'd love to be forgiven for this loan because of hardship and harassment. 
Please look into how I can start getting my bill mailed directly to me from the Dept of Ed Sincerely. 
XXXX Ohio XXXX XXXX ( cell Phone )
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America abruptly closed both of my credit cards with the bank ( in a letter dated XX/XX/XXXX, but which I only received yesterday ). The only reason provided was " your risk profile no longer aligns with the bank 's risk tolerance. '' I have a credit score of XXXX ( FICO ), have always paid my credit card bills on time, and received no warning that these cards might be closed. The only previous actions Bank of America had taken with these cards were to increase my credit limits on both. I called Bank of America and they said they have no say over it and I had to talk to FIA Services, who apparently administers Bank of America branded credit cards ( I was never told this ). FIA Services told me on the phone that they could n't provide any further explanation, and that there 's no way to appeal the decision internally. In the process, Bank of America / FIA Services eliminated all reward points I 'd gained on the card. I 'm especially concerned that this may hurt my credit rating, which has otherwise had no negative events. What can I do?
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I had XXXX XXXX credit card accounts and one " XXXX '' (??! ) account on my credit report which were NOT MINE. I was shocked. i notified the bureaus of this error ( see letter attached ). They were somewhat helpful, removing XXXX of the XXXX accounts -- but not the other. I was totally bewildered. Neither account is mine. I do n't know how they became attached to me! Anyway, I was then instructed to contact the " data furnishers '' about the error ( see letter attached ). They were even less helpful. They did nothing to help. I then notified Equifax of my intent to file a complaint. i am following through with this notification.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called XXXX regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.
Consumer complaint received 2016-08-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I am trying to establish credit to purchase a home. My credit report came back that I owed XXXX to Sandtander on a repossession. I lost my job and could not afford the vehicle so I asked them to come and pick the vehicle up. I did not receive any other info from the company outside of the vehicle being auctioned off. I have tried to contact Sandtander about my obligation for the last year with no success. When calling the XXXX # it ask for an account #. I did manage to get the account # and after speaking with a representative, she could only tell me that I purchased a vehicle and for any additional info I would have to Call the XXXX # who has no record of my name or vehicle information.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WI)

Shellpoint mortgage incorrectly paid our taxes twice in XXXX of 2016, which in turn sent our escrow payment to double what it should be. We had to struggle to get the overpayment refunded to our account, that finally happened in XXXX 2016. Now they are not able to get the tax payment schedule figured out ( either paying taxes twice a year or once a year. ) In turn our escrow payment is still double what it should be, which is resulting in a much higher payment than we should have. After repeated phone calls since XXXX, there has been no solution. Our XXXX payment is still {$600.00} higher than it should be. XXXX admits there is a problem, but says that a third party handles taxes and escrow for them and is n't sure why this has not been resolved.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX