davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

I opened a premier money market account at PNC bank back on XX/XX/2016. I gave my PNC card to the personal banker so I could hook up my card with the account. I told him that I wanted to earn the relationship rate after the XXXX month promotional period ( for this account ). After viewing my account online after the promotional period, I noticed that I was earning the standard rate of .17 % ( instead of the .75 % relationship rate ). I called PNC and reported this issue to customer service/management that I should have been receiving the relationship rate on my account since XX/XX/2016. The reply that I received was that my credit card was NOT hooked up ( thus, not showing the minimum transactions used with the card ). The reply and I received was that she would put in an " interest dispute ''. I finally noticed, on XX/XX/2016, that the rate had been changed to the relationship rate of .75 %. I called PNC bank numerous times trying to resolve this issue. As of XX/XX/2016, I 'm still waiting. Since this was in fact an error on the part of the personal banker at PNC, My account should be credited for the rate difference on my balance from XX/XX/<YYYY> XX/XX/2016. I would like to be treated fairly.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NY)

New Information on Discover Card. This company is using unfair, harassing and discriminatory practices while trying to collect on an alleged debt from a lost card. They keep saying to provide information which as been provided as requested. What other information do they want. This investigation process is a sham. They have as much intention of helping as did XXXX XXXX in the XXXX. Everything was for show, and every accused was automatically found guilty.
Consumer complaint received 2016-10-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

We have a home equity line of credit with US Bank and have just refinanced our home mortgage. In order for us to keep that home equity line of credit, we paid a fee of {$250.00} so we did n't have to close it for the new mortgage and then reopen another line of credit again. The mortgage lenders with whom we financed, are selling our loan and needed to get a copy of the home equity line of credit agreement. It has taken them over XXXX XXXX XXXX XXXX weeks to finally get someone to help us. When my husband called, no one knew what to do or what area to possibly contact. Our mortgage lenders have been now trying for over XXXX XXXX XXXX XXXX weeks -- totally unacceptable. There was some missing information that was required on the form however, no one would communicate that. As far as I am concerned, this is unacceptable customer service given that we have paid {$250.00} to keep the line of credit open. I am requesting a refund of {$250.00} that we paid to keep the line open as we received no customer service and over XXXX weeks of calling everyday and headaches. This is no way to treat customers that have been with the bank for over XXXX years. Frankly, it should not happen to anyone. I am strongly considering dropping US Bank and going to another financial institution that focuses on customer service and does n't have the " we are a big bank attitude and are untouchable. '' I received a call from the XXXX yesterday to comment on US Bank and refused to give them feedback because it was my husband that had gone into the bank XXXX, arlier this week to make a deposit, not me. The caller was insistent that I give feedback to US Bank on my experience and I had to finally hang up on him stating, I did not receive any service so you expect or demand that I give feedback? That would not be a valid source of survey information as well as fraudulent information. If US Bank wants feedback, then they need to receive it in an honest and forthright manner and not " grease the skids so to speak. '' Big banks do n't mean good service. I really wonder what their customer service goals are and their commitment to customer service and the quality of customer service being offered.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (FL)

My husband and I went to Macy 's to buy bedding on XX/XX/2016 : a duvet, duvet lining and matching pillows. At the time of purchase the sales clerk suggested we apply for a Macy 's credit card to receive an additional 5 % off. We applied right then and there at the sales counter. We were denied, so we paid for the bedding with our personal credit card. PROBLEM- we received a Macy 's credit card in the mail account number - XXXX with a statement showing a charge for the bedding. Incidentally, we never signed anything for a Macy 's credit card. We called Macy 's - ( have been calling for several months now ) explaining the situation to a 'supervisor '. We mailed copies of our credit card statement verifying that this was paid for with our own credit card. Every time we call, we get the same line : " We understand, we will take care of this ''. Up to this month there has not been a minimum due because we were 'in dispute '. This last statement, not only was the charge not taken off of the Macy 's card, a minimum payment is due. My husband is very worried about our credit so he went ahead and paid the Macy 's charge of {$550.00}. on XX/XX/2016. So we have paid doubled for this bedding. They wore us down and they won. Can you help us get our money back from Macy 's?
Consumer complaint received 2016-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

I was given misinformation by one representative on when my grace period would start based on when FedLoan Servicing receives the letter of separation about my graduation from my university. I had graduated in XXXX XXXX, 2016 and made a call XXXX XXXX, 2016 to confirm the status of my grace period. I told the representative that I had just graduated but that my FedLoan account still showed that I was enrolled so I was not sure when my grace period would start and that I would be accruing interest. The representative was sure that the grace period would start the day my school sends them the letter of separation, not the day I graduate. She gave an example in which FedLoan receives the letter in XXXX : the grace period would then start XXXX and I would have six months from XXXX before repayment. This information was wrong and it turns out that interest has been accruing since XXXX XXXX without my notice since I believed I would be charged interest from the day FedLoan receives the letter. I trusted that as my student loan servicer, FedLoan Servicing would provide me the correct information but that was wrong and I now bear the cost of their misinformation. I thought that as a student loan servicer, FedLoan 's information would be the most up-to-date, especially because I was still showing to be enrolled on FedLoan 's online portal. I wanted to make sure that my grace period has not started and was told that it did not. Customer service was not helpful about remedying the mistake, which was made with the wrong information. I can not believe they are still allowed to be a student loan servicer when they obviously do not care about the students they service and do not own up to their mistake. How is this allowed when you deal with so many students asking similar questions and you are giving out the wrong information? FedLoan Servicing should not be allowed to handle student loans.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I disputed a charge from bank account in XXXX 2016 regarding a charge from XXXX rental car. I was involved in a car accident and XXXX paid XXXX the money owed for the rental car. I confirmed with XXXX that the check was cashed by XXXX on XXXX for the amount that I was disputing. I contact XXXX on several occasions and was advised they would send me a check for the balance that was deducted from my bank account, the amount was {$590.00}. I was advised by the store manager of XXXX that the check would take 6-8 weeks it has now been 9weeks,. I contact XXXX a few weeks ago and was advised by one of there associates to dispute the charge with my bank and that this will resolve everything. Yesterday the bank declined the dispute and took all my money from my account without any notification. With that being done I contact the bank and they stated their is nothing I can do.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I disputed XXXX accounts XXXX XXXX XXXX stating, " I am no longer responsible for the XXXX accounts ''. Experian did not complete thourough investigation to know that the accounts were dismissed in XXXX XXXX County Civil Court. In addition, the company agreed to remove all entries related to XXXX XXXX XXXX XXXX accounts. I will provide the court document and letter from XXXX XXXX XXXX. Please look into this matter.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MA)

I opened a bank account with TD XXXX ; about 1 month down the line I lostmy wallet and did n't realize my TD bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Td bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my TD bank account.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

When vacationing in XXXX on a cruise, I took a bus tour to view the XXXX. One of the stops along the tour was to a jewelry store/tourist section that offered free samples of cake and rum. While there, I purchased a XXXX watch and signed all my documentation for this sale. While waiting for the merchant to take links out of the watch, I was persuaded to buy a tanzanite ring as well. The merchant did n't have my size at the store, but told me that they could quickly get it there. After waiting a few minutes, the tour guide told me we would have to leave in order to see the remaining parts of the tour on schedule. Since the tour guide and the merchants seemed to know each other, they suggested that the bus could swing by on the return to the ship to get the ring. After the tour, we did swing by and the tour guide offered to go in and get the ring since I had my XXXX son asleep in my arms. When she returned, she told me that the ring was still not there and that it would be delivered. She handed me a business card with the merchant 's information and I assumed the merchandise would be delivered to my stateroom. Needless to say, I never received it on the ship or at home and after numerous calls, I ca n't get anyone to respond. Now after disputing this charge with Capital One and explaining this to them, a credit was issued and I was told that the merchant would have 90 days to respond. They did respond and with a copy of my sale 's receipt. Mind you, the sale of the ring was added to my original receipt for my watch purchase. Capital One denied my claim and put the {$910.00} back on my card. I contacted them and everyone seemed very understanding and sent it back to the dispute department. I spoke with someone on today, XXXX/XXXX/16 and explained the story again. The rep tried to reach out to the many numerous numbers listed by the merchant with no success to see if we could get this matter resolved. She then spoke with her supervisor to see if the funds could be credited back. Unfortunately, although they believe my story and believe that I never got the merchandise, they can not help me in recovering my money. What is the point of credit card protection?
Consumer complaint received 2016-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (NC)

It 's called Paragon Revenue Group And it says it was opened XX/XX/2014 and the amount is {$3400.00} Theres NO WAY I could have gotten that amout from anyone.
Consumer complaint received 2016-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

Around XX/XX/XXXX, I had called Citi to find out ways to settle my HELOC account. The account was past due for quite some time. The mortgage unit had told me a specific person would help me with my situation. XXXX of CitiMortgage had suggested a file a hardship application so they could assess my settlement offer/situation. I was denied around XX/XX/XXXX. I noticed they pulled my credit in XX/XX/XXXX, I consented to this request. No issue here. 

Very recently I noticed they pulled my credit twice in XX/XX/XXXX. That 's almost a year later after my hardship request had been denied. I never agreed to these hard pulls without my consent. I started paying Citi back and recently I paid the loan off. Throughout the whole time I was paying the account, I kept getting letters that someone in the hardship team was going to review my account. Once I was denied, I never filed another hardship request. The Citi team was a bit disorganized. I understand things fall through the cracks, but this was a bit annoying. Literally XXXX letters of the same information. What a waste of paper! I would like this account and credit pulls to be removed from my credit report. I never consented to these pulls! 

Appreciate the help! 

Thank you
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XXXX/XXXX/16, I purchased a voucher from XXXX for {$35.00} using my Capital One Venture card ending in XXXX to clean my air ducts. I redeemed my voucher before the expiration period ( redeemed around XXXX/XXXX/16, expired on or around XXXX/XXXX/16 ). The merchant, XXXX XXXX XXXX XXXX, was not able to get a rep out until XXXX/XXXX/16, after the expiration of the voucher. The rep advised that they could not clean my air ducts because my AC unit was in the ceiling. 

I called XXXX XXXX XXXX XXXX, who said that they can not redeem the {$35.00}, and to contact XXXX. So I called XXXX, who has said that the voucher has expired and the money was sent to XXXX XXXX XXXX XXXX, and to call them. I submitted a XXXX complaint with Living Social, and still got nowhere, and was told to contact XXXX XXXX XXXX XXXX. This is where it gets comical ... so today,XX/XX/2016, I three-way called both XXXX and XXXX - they literally were yelling at each other over who was going to refund me the {$35.00}. They both acknowledged that the service was left unrendered, and that I was owed money. At the end of the call, XXXX XXXX XXXX XXXX advised that they would " unredeem '' the voucher and XXXX said once that is done, they will refund my {$35.00}. So ... wait for it ... I waited 2 hours, called XXXX back, and they refused to refund me the {$35.00} because it expired XXXX/XXXX/16. 

I literally can not make this story up - this is a true story and a valid dispute. I was conned out of {$35.00} and these XXXX companies will not work together to refund me the money. 

I am sorry that I am submitting a complaint to Capital One and disputing this charge, but this is the last resort I have before contacting my attorney. I understand that this is increasing your complaint volume, but I would really appreciate it if you can do the right thing here and help me.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (GA)

Applied for a credit card to use while traveling. I was notified that i was approved, but did not receive card in the mail. I called usbank to get a replacement card, and i finally received it 33 days later via XXXX. This was 2 days prior to travel when i received my XXXX card, and somehow I was supposed to be clairvoyant enough to call usbank and inform them that my wife would be travelling with the new card. Since, I lacked this ability my wife was unable to use her card for half of her trip. She could n't buy cgas or food when returning from California and called me in a panic. I called usbank and spent several hours on the phone trying to convince them that my wife was travelling and making legitimate purchases as an authorized user. Nevertheless, the computer was convinced that she was a crook and there was nothing any human being could do to override the computer. The only option they gave us was to call every time we wanted to make a purchase which we said was unacceptable. No other options were given even after escalation. Because this was the only card she took on her trip, my wife was reduced to begging family members for money to make it back home. As cardmembers, we expect to have XXXX access to our available credit. Somewhere the system at usbank is broken, and the customer should not have to suffer with unacceptable options as a result.
Consumer complaint received 2016-10-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened a sole proprietorship, XXXX XXXX XXXX XXXX, in XXXX. In XXXX, I formed a corporation, XXXX XXXX XXXX XXXX, and my sole proprietorship expired and so I closed my XXXX checking account at Union Bank and got a new one under the corporation name. 
About XXXX, I had some late payment to XXXX XXXX and XXXX company, our local utility, so they wanted me to get a CD so I could guarantee payment, which I did thru Union Bank. 
The years passed by and on XXXX XXXX, XXXX, I retired, closed my business and filed for dissolution of my corporation. By this time I had closed my checking account at Union Bank and had switched to a different bank. I kept that new bank account open to conclude any final business transactions and deposit the check for the {$820.00} CD from Union Bank. 
But when I went to Union Bank to collect my money I was told I would have to open a new checking account under the name XXXX XXXX XXXX XXXX because the CD was in that name. They did not seem to understand that that name had not been used in 20 years but they were not going to do anything unless I did what they said. I was gong to do it until, luckily, I decided to first call my local District Attorney 's consumer fraud office and they directed me to call the CFPB. Hopefully, you will able to help me. 
I have attached two documents, first, a letter from the utility, XXXX, dated XXXX XXXX, XXXX, stating that the CD # XXXX was cancelled XXXX XXXX, XXXX and second, a letter from Union Bank, updating the current status of my CD. I believe all the account numbers, addresses and contact information is on the two documents. 
Please call or email me for any additional information or clarification you may need. Thank you very much.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo processed XXXX of my credit card payments to XXXX XXXX the same day I made them ( XXXX/XXXX/16 ) causing me to go negative and was charged XXXX XXXX overdraft fees. I have been doing the same type of transactions for years and Wells Fargo has always process these payments at least one ( 1 ) day after and sometime 3 days after I make them. I always pay as a check through the XXXX XXXX website. Their practice was always to process these payments one to three days after. I have always have enough balance when payments are process by Wells Fargo. But on XXXX/XXXX/16 I had only about {$40.00} and they processed the payments intentionally the same day to charge me the XXXX XXXX overdraft fees. My direct deposit was deposited on XXXX/XXXX/16. I called them on XXXX/XXXX/16 to explained and ask for a full refund and they are not willing to cooperate and only offering a 50 % refund. I was charged a total of {$140.00}. Each OD fee was {$35.00}.
Consumer complaint received 2016-10-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

Wakefield and Associates has place a " paid '' collection on my XXXX and XXXX credit file AFTER it was paid in full. I sent them a certified letter asking them to remove it and they only sent back a letter saying it was paid in full. This letter is not sufficient for the credit bureaus to remove from my file. Wakefield and Associates placed the collection on my report and therefore, they need to request to have it removed. Per copies of my credit file, the collection from removed and placed back on my credit file without me being notified at least 5 days before. I have already filed a claim against the credit bureau for breaking the law.FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]
Consumer complaint received 2016-10-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened an ING Direct savings account a few years ago online. ING has since been acquired by CapitalOne. My account was automatically converted to a CapitalOne XXXX savings account. I had not logged into my account or made any deposits/withdrawals for some period of time XXXX potentially XXXX years XXXX. During the period of XX/XX/2016 I called CapitalOne to help obtain my log on information. I spoke with a representative who helped me log in and stated that my account was ready to be used. I planned to deposit money into the account every XXXX weeks to save money for a wedding. I made my first deposit of {$750.00} on XXXX. On XX/XX/2016, my account was closed. I called CapitalOne to speak with a representative and ask why my account had been closed. I was informed that my account had been " abandoned '' and my money sent to the XXXX of NJ as unclaimed money. I was instructed to contact the XXXX of NJ to file a claim for unclaimed money. 

I have XXXX issues here : XXXX ) why was I not informed on XX/XX/XXXX that my account had been changed to abandoned, so this would have prevented me from transferring additional funds into the account. XXXX XXXX why would CapitalOne accept a transfer of {$750.00} to an account marked as abandoned. I trusted CapitalOne with my money and to protect my funds. I feel that they have inappropriately robbed or stolen money from me that will be very difficult to re-obtain in any timely fashion, as the XXXX of NJ has no record of receiving my funds yet. CapitalOne has not been helpful in trying to rectify this issue. I believe this to be a violation and misappropriation of funds.