davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

I received a letter from M & T Bank that stated I needed to call to update information because of a change in regulatory requirements. That 's fair enough. 
The problem is that the phone number listed does not show up as an M & T bank number in an online search. Plus, anyone who wanted to steal account information could simply copy the letter, but change the phone number. The letter should direct the recipient to look up and call a number they can independently confirm to be an M & T bank number. 
The push-back I received was that they needed to have a new number because otherwise their customer service number would be overloaded. While that may be true, that means that they need to invest in their customer service infrastructure and provide a way to let callers quickly and easily select an option to respond to the letter. 
Directing callers to a random phone number to update bank account information is more than foolish. It sets a terrible precedent for future communication of sensitive information, and it provides a template for scammers to gain access to account information.
Consumer complaint received 2016-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (DE)

My mortgage is through XXXX XXXX since it was sold to them in XXXX XXXX. I signed up with XXXX for their XXXX program at that time. I have had ACH withdrawal 's from my checking account biweekly since then. I come to find out now that this was not through XXXX XXXX they tell me it is through a company called Pay Map. I have never heard of Pay Map. The ACH from my checking states XXXX for {$700.00} biweekly XXXX states they get a Monthly payment of {$1300.00}, but I am paying {$1400.00} not monthly but biweekly. I am not getting the advantage of the biweekly payments when XXXX states they are getting their funds monthly and not even the amount I am paying. I knew nothing about another company handling my money and paying monthly, I would never have done that. This is not fair and I feel like I have been scammed. I cant reach this Pay Map Company until Tuesday XXXX/XXXX/XXXX but I will be canceling everything with them ASAP. What can I do or what can you do to help me. I feel they owe me money that should have been going to pay my mortgage off sooner XXXX XXXX
Consumer complaint received 2016-04-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (NV)

In XXXX of XXXX, I applied and was approved for an installment loan in the amount of {$400.00} from XXXX ( formerly CastlePayday.com ). 
On the website, the loan was to have a 784.73 % APR. The website also stated that the total to prepay the loan in full on or before the 1st due date was {$540.00}. Having experience with payday and installment loans, I did not pay attention to the math at the time I agreed to the loan. From speaking to the customer service representative, I was under the impression that I would make three payments of {$200.00} for three months to pay off the loan. After making two payments of {$200.00} ( XXXX late payment fees ), I was informed of the payment plan that the company set up for me in which I would be making monthly payments in various amounts until XXXX of XXXX totaling in upwards of {$2000.00}. At no point in the application process did I agree to this payment plan. In XXXX of XXXX, I asked the company how much it would cost to pay off my loan in full. They replied that I needed to pay {$820.00} ( not including the two payments of {$200.00} that I had already paid ). If my math is correct, that is more than the APR that I did not know I was agreeing to in the first place. And, I do not know if that payoff amount will change depending on the time I am able to make the payoff amount.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KY)

I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a XXXX letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Experian updated the debt collection from the XXXX XXXX name to their alias which is XXXX XXXX XXXX. Please help me alleviate this collection account.
Consumer complaint received 2016-06-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been getting numerous phone calls from XXXX as well as Portfolio Recovery Associates on a mobile number I never use for credit card applications. The number is also on the Do Not Call registry. The calls are intrusive and waste my minutes on a phone I use specifically for work.

Other numbers being used by PRA are as follows:

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
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please help me, I have disputed previously a couple things with TransUnion, provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Consumer complaint received 2016-09-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Last month I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email stated the " waiver '' I have been receiving is being removed.This concerns me since I am a XXXX with medical issues and limited resources My daughter had the same issue, filed a complaint and received a call back promptly and an email. I have now called and left voice mails numerous times since last week with no answer nor call back, The # of the XXXX employee XXXX assigned to my complaint is XXXX ext. XXXX and her voice mail is not clear so last name is not discernible. She called me one time and never sent me an email to communicate. Again I have been calling an entire week leaving messages. Please have someone call and email me back immediately to get this situation handled before my cycle date. I would like a 1 year waiver such as which was granted to my daughter.Everything was clearly stated on my complaint and so I am not sure if the XXXX employee no longer works there or just does not return calls. Please have someone else reliable contact me from the XXXX customer service as the # I was given by XXXX is not the same department that handled my daughters complaint nor in the same time zone.Thanking you for out attention to this matter.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (DC)

Account was settled on XXXX XXXX it was an account from XX/XX/XXXX and Lvnv reported the balance as a geliquent acct opened in XX/XX/XXXX it was reported on XXXX XXXX XXXX
Consumer complaint received 2016-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CA)

XXXX credit reporting service reduced my credit score by more than XXXX points in XX/XX/2015, dropping it from the high XXXX to the XXXX. My credit report states that I was XXXX days late paying a student loan from XXXX University from ACS. The monthly payment was XXXX. I used my XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for XXXX month in XX/XX/2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. I believe there was a either a systemic IT failure in XXXX automatic payment system or a similar failure in ACS 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX, ACS, or XXXX about the deliquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past XXXX years. These missing payments from ACS are a clear abberation from this trend. 

Moreover, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to ACS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

I can only guess why loss any of the XXXX aforementioned organizations could have reported by account delinquent, but I suspect it was due to a systemic IT failure among XXXX of the involved parties. Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment.
Consumer complaint received 2016-09-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TekCollect Inc. (AZ)

This debt was already paid actually it was paid twice. They took off XXXX credit company, but not this one ... not sure about the XXXX. The debt was paid directly to the company I owed it to, it was for about {$71.00}. I get many calls, many times a day. I did ask them to check into it and they were rather rude. They also told me they would send it to a lawyer and I was threatened with a lawsuit ... ..
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receice a call from Porfolio Recovery ( XXXX ) every day from XXXX to5 time a day. I keep telling them that the person they are calling is not me. They say that my tel. no. Will be removed. The call keep coming.
Consumer complaint received 2016-09-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (TX)

Nelnet XXXX Servicer in XXXX Nebraska lied on my 8 year old student loan debt I closed in XX/XX/XXXX and denied my student loan to be discharged. I would like this student loan to be legally looked into by Consumer finance because the Authority and Supervisors for this Nelnet Company has been billing and charging me late fees and need to waive this because they lied and kept my documents that supported the student loan account number XXXX to be removed the Nelnet account number for me is XXXX was under review by XXXX discharge since XXXX XXXX I was no longer to be billed and they reopened a closed account since XX/XX/XXXX. I am filing this complaint to receive justice and on my credit report they lied to all three credit bureaus and put bad remarks on my credit and I have no longer been able to be financed correctly this Nelnet Student loan is not even showing I ever made one payment and their supervisors lied about the amount of payments I make after XX/XX/XXXX their was a ton of interest charged on this closed account. Their was a hurricane that destroyed my home address and I moved and closed the account a month after I could not finish the courses online the funding was enough to study for less than a few months and not even enough to live anywhere. Nelnet is not legit I have disputed this civil debt as a civils issue in XX/XX/XXXX I provided them my Award Letter in the application and their in my personal business and I do n't want nothing else to do with them in XXXX XXXX. Their legally not allowed to have my identity their is Nelnet workers who have stolen around the time my Identity was on file with their Company services even before XX/XX/XXXX. Stop charging me interest for XXXX years but the Law has let Nelnet do this to only me as the Consumer. Filing this Complaint to get justice.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I made a purchase in the amount of {$33.00} using my Citi Costco credit card. They billed me {$34.00}. I suspect they are adding small amounts to bills and hoping the additions wo n't be noticed by the consumers. I called the credit card company and got XXXX in Maryland and he put me on hold and never came back.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MISSION FINANCIAL SERVICES CORPORATION (NC)

Well my complain is with a financial institution called mission financial a dealer named XXXX based in XXXX, AL sold a 2007 freightliner truck to me and mission financial finance the truck which I made a down payment of XXXX and I started with a tile processing error by their rep which took about 3 to 4 months before that issue was resolved then after I register the truck and start to work after a month and half the truckbroke down which I tried to repair it spend XXXX on it and it was still not fixed did not miss a payment till the truck broke down less than 30days and they forced and repo the truck which they have repair loan programm but refused to offer me any assistance which end up me losing about XXXX which I think it 's just a bad way of financing I worked had to get the truck and end up losing now am back to square 1 again they could have help me get my truck back to work instead they took it and left me a poor layman suffering please I think the consumer agency should look into their practices. Thank you.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Citi Bank, Card Member Services, XXXX, XXXX XXXX, SD XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Citi Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Submited online dispute as well as called Transunion about this issue. This is the 4th attempt thst I have made to have them remove inaccurate information. It has been requested to remove the inaccurate previous addressses. Every address except my current one has been requested to be removed. Transunion keeps telling me they will remove them but do not. I just removed my credit report and yet again the inaccurate previous addresses are not removed.
Consumer complaint received 2016-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent Transunion a identity theft report and they said they could not accept it without a police report. So I sent them a new identity theft report with a police report, with the items that were not mines and the inquiries that were not mines. This has been a long frustrating process, I have done everything they have asked of me, without getting the results that I am supposed to get. Please help me get this situation resolved. Thank You
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (DE)

I have XXXX credit cards with Citi Bank ( XXXX I use a lot, the other not so much - them being identical products ). I have been asking Citi to consolidate the XXXX cards for YEARS, they never did. Now, I called 3 days ago to see if the less used card can be converted to a Costco credit card and I was informed that it can be on the XXXX of XXXX 2016. I was going to call Citi for that today, when I noticed an email this evening that my card ending in XXXX had been closed ( credit line of $ XXXX ) for no reason. 
I called Citi and they told me they closed it for non-use. I was NOT disclosed any such terms when my Double Cash cards with new Terms and Rewards were issued to me last year. I was then told, oh maybe not when you got a new product, but they were disclosed to you maybe 5 years ago and of course they can not evidence that. I thought all products had their specific XXXX & XXXX and had to be disclosed ...?? 
Anyway, my card which was open as of this morning has been closed and with me calling within 12 hours of such closure, they want to pull my credit bureau report as if I was applying for a new account! And Citi does n't understand what reducing someone 's bureau by {$20000.00} does to their credit score?? 
Why would I want my bureau to be hit? I have another account - XXXX with Citi with a XXXX line, on which I spend a decent amount annually so it is not as if Citi does not know me or has a bureau report on me already!! They are holding a customer hostage telling me that my {$20.00}, XXXX credit line will vaporize from the bureaus tonight if I do not follow their way. My intent was clear wherein I called 3 days ago asking for a different product which I could use in lieu of this account, I could have also been informed and I could have taken remedial action in time. 
I would love to sue Citi on various points of contention above but mandatory arbitration saves them. I 'd rather have CFPB read this and figure this out for Citi 's XXXX.
Consumer complaint received 2016-06-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

Dear Sir/Madam, I am sending this complaint since Citibank does n't honor the promotion offer on which Citibank would post XXXX XXXX miles to my XXXX account after I opened a Citigold account and finished some related requirements. 
I opened the Citigold checking on XXXX XXXX and fulfilled all the requirements on XXXX XXXX. Both the call center and online chat confirmed I had fulfilled all the requirements on XXXX XXXX. 
On XX/XX/XXXX, the online chat customer service stated that they need additional 30 days to post the miles to my account. 
I waited until XXXX XXXX and the security message customer service suddenly told me I was not targeted for the promotion after I had been waiting for much more than 90 days when it was the time Citibank need to honor the offer by their T & C. 
I sent a new online chat on XXXX/XXXX/XXXX and the customer service stated that they would file an investigation and I would receive the result after 2 business days. However, there is no response at all until now.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

I was offered XXXX Thank you points from Citibank to open a CitiGold checking account in late XXXX. After finally taking advantage of the offer, I called to verify with Citi the first week of XXXX XXXX to verify that in fact I would receive the bonus points as I knew this account costs {$30.00} each month and I did n't want to waste my money. Just to further verify, after I transferred money to the account on XXXX/XXXX/XXXX I decided to get that verification in secure chat to add to my documents. The representative then verified what I would need to do to get those bonus points and I took the screenshot. Citi is now not honoring these points after already withdrawing {$60.00} from me for the monthly fees and saying I have to provide proof of the initial letter in XXXX. Good grief, a letter from XXXX? I feel that Citi is gathering fees and when it 's time for them to pay their end of the bargain, they reverse course.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I almost lost my house about 4 years ago and Chase Home finance worked with me thru modification. I had also asked them about dropping my interest rate from 7.25 .They replied make timely payments for a year and we 'll consider it. Its been 2 years and nothing They then used the excuse about not having a high enough credit score. So after that mom passed away I came across some cash and paid my house payment several months ahead Well Chase Is still not willing to work with me on my interest at all I have also been getting help on my credit score and Chase still has n't seem to be interested in helping me. When I gave Chase the money to get ahead several months I could of taken that money and done something else But I chose to pay Chase my house payments early. To show them Im serious about my home. Now Chase is telling me my house payment is going to increase Because of no funds in my escrow account. How is this possible especailly when Chase was paid several months ahead. I do not think Chase is handling my account correctly or handling it professionally ( escrow account and mortage ). All I want / need is to please drop my interest rate.They will not help me.