davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I was charged an overdraft fee of {$35.00} dollars on the afternoon of Tuesday XXXX XXXX. However I had been to the ATM on the morning of the XXXX and deposited money into my account. At that moment there was no sign of an overdraft on my account. Later that day I received an email letting me know I had over drafted. I called the bank to clear up this mistake as clearly I had deposited money before the over draft had occurred. I spoke to a costumer service representative and was told the best they could do for me was only refund me half of the fee at the total of {$17.00}. I then spoke to his manager XXXX XXXX and was told the same. I then asked him why he could only do half if it was n't my mistake ; to which he informed me that they had previously taken and overdraft fee off. However the incident he was referring to was also because of a HUGE mistake they had done. something i should have reported in the past. I deposited my check at the Wells Fargo ATM, but it never appeared in my account. It was as if my money had vanished. I did n't realize this until i had been charged an over draft fee on a reoccurring payment i had set up with my account. I then called to see what the issue was only to realize my check had never cleared. So after their huge blunder on that they reversed the over draft fee and made me file a claim which had me wait the maximum of 10 day to have access to any of my money. I wish i could say that this only happened to me that XXXX time, but unfortunately it did n't. I had this happen to me twice with my checks that left me completely broke and late on my payments twice, and once with cash deposited at the ATM. The morality of this bank is flawed and i have read tons of costumer complains stating that they felt like they were treated like they did n't matter and thats exactly what they did to me. I just do n't understand how how they could flat out " legally '' steal money from hard working, and trusting cutomers.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation (NM)

I filed a complaint with all XXXX credit bureas : XXXX, XXXX and XXXX on XXXX XXXX, 2015 about medical debts listed on my credit report that I dispute. XXXX Collections or The advantage group as they are listed on my credit report are continuing to call me leaving voice messages trying to collect the debt without investigating the items or listing the investigation as complete or still owed to the credit agencies. It is my understanding that they are not to attempt to keep collecting the debt unless they have finished and reported their findings to the credit agency companies. They are in violation because they keep calling me trying to collect the debt without investigation of the disputes.
Consumer complaint received 2015-11-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On or around XXXX XXXX 2015, I called Capital One to close my Secured MasterCard account. The representative confirmed that this account would be closed and provided information with regard to receiving my security deposit. Instead of this, the representative closed my unsecured Visa account of which I was not aware.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. 
Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. As of the end of XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing 31-60 days late. This is incorrect because I was told by the home preservation agent and via Wells Fargo site that it would not report late payments, that instead it would list on my report that the account was setup in a forbearance plan. When I saw this on my report, I disputed the late payments and asked that it be corrected. To date this was not done, and it is still reporting late for 2 months. 
This is unacceptable due to the fact that this was not clearly explained, especially the fact that it would go reported late being that this was an assistance plan. Had this been clearly explained, I probably would have tried other options. 
his does not address the issue that I have about reporting as late. Nowhere does it mention this, and no one mentioned to me that payments would be reported late. This company is nothing but a fraudulent company. They are not here to help, they are here to XXXX with people and attempt to take their homes. I read the reviews of their forbearance plan, and I wish I would have read them earlier. Nothing but bad reviews from customers due to lack of information and not clearly explaining things to their customers. As a result they have forced people into for closure and XXXX with people 's credit like they did with mine. I ca n't wait to refinance and geT away from this scam company. I do n't want nothing to do with Wells Fargo. I had perfect credit until they came and XXXX with me.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are late payments on my credit report that are not accurate. I was a victim of fraud which caused my personal checking accounts to bounce and therefore make my payments late. I contacted Capital One about this and they have done nothing to remove the payments. I sent them a dispute letter and they verified this.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (WI)

Associated Bank ; late XXXX, early XXXX of XXXX, alerted me of fraudulent activity on my checking account, advised at the time they were placing a freeze on my account, advised me to withdraw all remaining funds from the account, to close and reopen a new account. Associated Bank allowed an additional transaction on the account, causing the account balance to go negative by more than {$250.00}. Associated Bank then informed me I was responsible for the fraudulent charge they authorized, and subsequently charged that remaining amount off. This was then reported to various consumer reports.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (DE)

An unidentified law firm representing GE Money Bank called from a blocked number stating their processor has failed at delivering documents pertaining to a civil suit case that is being handled by said firm. The person with whom I spoke said her name was XXXX but did not give any information about the firm she was calling for or give me any contact information. She threatened that her firm was going to follow through with a civil suit to obtain a default judgment. The account in question is not mine and I have no knowledge of this account 's existence. XXXX stated the account was closed XX/XX/XXXX, meaning that the statue of limitations to sue expired XX/XX/XXXX. Upon bringing this fact to her attention, she continued to threaten me that they were still going to follow through with the suit. She hung up without any further correspondence. I was never told where this case would be filed, nor how to get in contact with anyone to investigate the matter further. This account has never appeared on my credit report, nor have I had anyone in the past make any attempt to contact me.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Fax XXXXOffice of the Comptroller of CurrencyXXXX*NOTE : All supporting documents are available at XXXXXXXXXXXXHuntington Bank has charge me {$700.00} in fees associated with a faulty mobile deposit feature in their mobile banking app since XXXX and refuses to admit it 's their fault. 

I attempted to make mobile deposits with the Huntington Banking app via the iPhone. Apple had just released the new iOS8 and the app was n't working properly. The bank cutoff for deposits is midnight. I attempted to make the deposit repeatedly from XXXX on on XXXX and it finally accepted my deposit at XXXX on XXXX/XXXX/14. I contacted the bank 's XXXX number but they said that only my branch manager could help. I reached out to the XXXX branch manager, XXXX XXXX, on repeated occasions but never recieved a phone call in return. I spoke with XXXX and XXXX. 

I made the following calls to XXXX to resolve the issue beginning the day I received the initial fees. XXXX branch phone numbers below are XXXX & XXXX. 

XXXX/XXXX/14 XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX only replied XXXX, XXXX & XXXX. Those voicemails are available via the link. 

After XXXX XXXX XXXX XXXX phone calls to resolve the issue, I finally emailed the branch manager at XXXXXXXXXXXX. 

I emailed XXXX on XXXX to resolve the matter and was told that she would look into it. Then she was gone until XXXX. I asked her to freeze the account so that no more fees would accrue. I checked on XXXX to find out that my account was not frozen and was continuing to receive overdraft fees. To which, XXXX responded, " Huntington Bank does not have the capability of freezing accounts at this time. '' Seriously, a bank has no authority to freeze an account? 

Since she was out of the office, I had to go to corporate. After weeks of being shuffled around, I finally spoke with someone at their corporate office and after he checked into it, left me a voicemail stating, " we have had no issues with the mobile banking platform for the entire year of 2014. '' Again, really? I have screenshots that prove otherwise AND, their own updates state that the updates include " bug fixes. " Now, for some reason, Huntington bank stopped hitting my account with " Extended Overdraft Fees. '' The last fee being on XXXX/XXXX/14. How were they able to do that if the bank can not freeze fees? 

Because, it is clear they were having major issues with their mobile app conforming to Apple 's iOS 8 update, I simply want the initial " Overdraft Fees '' and " Extended Overdraft Fees '' refunded. 

( Also, if an account is negative for so long, why would you even let a charge go through if NOT to just charge another fee? Again, I had asked you to freeze the account so that no automated payments would go through. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEES {$700.00}
Consumer complaint received 2015-11-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (FL)

I applied for the loan on XXXX XXXX 2015 and a deposit was made on XXXX XXXX 2015 through XXXX Installment Loans. The company stated the effected date was on XXXX XXXX 2015 and also stated " I may get funds earlier ". The effective date obviously was on earlier. They requested an electronic signature before the funds were available and made the deposit before I could refuse the loan the next day. I then received notice of payment on XXXX XXXX 2015 for payment on XXXX XXXX. A payment on XXXX XXXX 2015 was deducted from my bank account by XXXX Installment Loans. The " Terms Agreement " was not received to my knowledge during the deposit or signature. I opened my account information and it was available at a later date on there website. I have read about the company being a scam and it 's legitimate that they backed out of their own contract. The interest is over what the government would allow. It 's at 800 % interest and they have my SSN, bank info, and work info.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (AR)

A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report.
Consumer complaint received 2015-11-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (FL)

Target Visa was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted Target, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (KS)

I received a letter today from ARA INC attempting to collect a debt on an old XXXX credit card that has been paid in full with another company. I do not owe this debt. I have been contacted by phone regarding this account before threatening to serve me with a complaint, and have explained that I have paid the debt in full and will file a complaint with consumer protection if they contact me again. Inevitably, I am contacted a few months later by a different company claiming I owe the same debt I have paid.
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

This issue has occurred multiple times. In the most recent case, I contacted Chase via their online messaging system and called them to notify them I would be purchasing appliances totaling about {$2500.00}. My account is in good standing. Despite this they declined my purchase due to " security reasons ''. With this Chase Sapphire card, I pay an annual fee of {$100.00}. Part of the reason I pay this fee is that Chase claims to provide a number of benefits including damage and price protection on goods purchased. However, when they deny my larger transactions, I essentially have no way of utilizing their advertised benefits. I believe is this deceitful and essentially false advertising.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (AL)

They call between XXXX times a day from multiple numbers and never leave a call back number or voice mail. Previously I 've spoken with a representative who refused to tell me any information about the nature of the call without me giving my social security number which I 'm not comfortable with. Prior to the constant phone calls I 've never received any communications from them by mail or otherwise.
Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I am writing and putting in a complaint to make Wells Fargo justify and give detailed proof of why they denied me a modification and what they based it on. They told me in both of my meditations in Bankruptcy court, that I would be approved if I submitted the documents they needed. In the XXXX mediation they had the wrong information regarding my salary on the document sent to my attorney. They had a lower amount on their document. My attorney told them the true figure which we already sent paystubs and documents to verify it. They had {$7000.00} of a forced place Homeowners insurance that was on their document. My attorney said that I could get that for less. They told us to submit a new homeowner 's policy and the paycheck stubs proving I made more. ( The paystubs they already had but we submitted them again ). They said I would qualify once they received that. The information was submitted the very next day. 
In the next mediation they said they needed a letter of explanation regarding my quarterly bonuses ( again this was on all my pay stubs that they already had ) .They said that was all they needed and that based on the figures they had I would qualify again. They also said I need to send a new modification paperwork updating the old XXXX. We sent this in the very same day. We were waiting for them to contact us for the next mediation date which the mediator attorney said she would do it for free to expedite the process. Then we got a response that they denied me even though they said I qualified based on all my information. 
They based my mortgage in mediation on XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. 
The bank keeps sending me statements of XXXX in interest payment for the previous pick a payment loan. They said the new mortgage payment is around XXXX. I do n't know if this is legal when I am in Bankruptcy to send me statements wanting money for interest, etc. 
Also the Vice President said she was investigating the complaint and she was in touch with my attorney which my attorney said no one had ever tried to contact him. 
I want to know how you justified me not getting approved when I was told the figures look good and I would get approved. I want detailed proof and documentation they have why I was n't approved when they said in mediation XXXX I would be.
Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NJ)

I purchased a house in XXXX XXXX with a XXXX and XXXX mortgage. 
I was unable to make payments due to a separation from my wife in XX/XX/XXXXThe XXXX mortgage holder XXXX Citimortgage XXXX filed a lawsuit. I was neverserved, however, CitiMortgage was able to obtain a judgment for {$26000.00}, the original loan amount was {$27000.00}. I paid CitiMortgage {$280.00} per month from XXXX XXXX until XXXX XXXX which equals {$27000.00}. Basically I almost repaid the loan. Now they froze my bankaccount and are asking me to pay over {$26000.00} or $ XXXX sump with an additional {$4000.00} over a short period of timeto unfreeze my account. How can a bank be allowed to do this? Why do I hhave to pay them XXXX the amount. They should not be allowed toextort money out of deceptive loans. They made a settlement with theAG office claiming that they would stop deceptive practices. This isbeyond deceptive. I was never serve with Court documents, hencewas unable to defend/show evidence of the deceptive loan. Nowthey want to drive me to file bankruptcy or pay them. They do n't evenanswer my calls and want me to settle with their law firm XXXX XXXX, XXXX, XXXX XXXX XXXX. ) Since it appears that I have no choice I offered to pay $ XXXXper month on XXXX/XXXX/XXXX, but they did n't accept that. As a result I amfiling this complaint. This is a nightmare. Do n't wish this upon anyone. 
Please help.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (OR)

I have had a Citibank credit card for a number of years, which was enrolled in auto pay. This card carried no balance for a number of months. In XXXX 2015, I accumulated a balance due to some purchases. I knew this card was enrolled in auto pay and did not schedule a payment as it would be debited automatically according to the autopay instructions. On XXXX XXXX, I was charged a {$26.00} late fee. I became aware of that and paid a payment and I also contacted Citibank to understand why it had not autopayed according to the instructions on file. They indicated that autopay had been suspended due to inactivity. However, I never received notice that this was the case ; thus, I do not believe I should have been charged a late fee. Moreover, I have repeatedly tried to re-enroll in autopay and when I enter the information, I just get a blank screen after entering it. I brought this to Citibank 's attention and they had no solution for me. I would like autopay reinstated and the late fee reimbursed.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the last several months I have requested a mortgage assistance package from Bank of America. Each time I request a package, the representative promises to mail it. Each time it never arrives. I do receive from Bank of America collection notices and other bills, but is n't if funny - the XXXX thing they will not send me is a mortgage assistance package. I am behind on my mortgage payment. By their actions, Bank of America prefers to profit from foreclosure instead of offering mortgage assistance.