davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2015 i had reserved a vehicle from XXXX XXXX XXXX for a wedding. To reserve the vehicle i had to provide a debt card along with D/L information. I authorized XXXX XXXX XXXX to charge me for the amount of {$200.00} that was for the deposit for booking the vehicles. Next day we noticed XXXX additional charges for {$74.00} and the following day another XXXX additional charges for {$220.00} and another XXXX for {$100.00} on the same day and these charges were NOT authorized or notified of. Since it was a weekend we were unable to get in touch with bank of america because they have certain working hours and are closed on weekends, with no customer service on weekends what so ever. The following Monday we called Bank Of America to dispute the charges made to my account. They told me that they will reverse the charges and do a investigation on the matter. On XXXX XXXX, 2015 we received a report from Bank of America with all the backups and stating that there were no errors in those transactions and rejected our request for the dispute. When reviewing the transactions which we know that we did not authorize any of them. We noticed that the documents submitted by XXXX XXXX XXXX that summarizes the job for the day had a forged signature on the document. We tried to get into contact with Bank of America to notify them that the signatures were forged and that we did not authorize the charges and bank of america insisted that the signatures are ok and that the transactions are true. We again explained to Bank of America that the charges are not true and we did not authorize them. After going back and forth with bank of america for about a week being passed to different representatives we reopened the dispute and sent a rebuttal documents. After a few days of waiting for Bank of America to contact me, i called to get a status on the issue. Bank of america again stated that they will be rejecting the dispute and that there is nothing they can do about the issue. I requested to speak with the investigator that was taking care of my dispute to clarify the errors. Until now XXXX/XXXX/2015 i still have not heard back from bank of america regarding my dispute. On XXXX XXXX, 2015 there were XXXX un-authorized charges for {$220.00}, {$100.00}, and {$100.00}. On XXXX XXXX, 2015 there were XXXX more unauthorized charges for {$74.00} and another {$74.00}. The total amount is {$570.00} that was taken from my account by Bank Of America without my authorization and agreement.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OH)

XXXX/XXXX/XXXX To whom it may concern, I am writing this complaint in reference to my CareCredit/Synchrony Financial account. I opened this account initially as a CareCredit account, I believe in XXXX. 
I have a yearly {$1000.00} through my insurance for dental care, so the CareCredit was used for work above that amount. I have a {$2000.00} credit line on the card. In opening the account, it had 6 month same as cash payment terms. Which I believe as each charge that was put on the card the 6 months same as cash would apply to those terms. I have been faithfully paying the specified amount on this card since I opened it. I would use my insurance amount, and then I could only charge the amount available to the card, it never went above the {$2000.00}. Because the office would look up the available credit left on the card, then that is what was put on it additionally. The payment rose a little as each time I accrued money to the account for each time I had dental work or for use for my pets, which is fine. I understand that, but never went above the amount on the card. 
However, I had noticed about 6 months or so ago that CareCredit switched to Synchrony Financial. Since the changeover to Synchrony Financial, I noticed that the card said I had a negative balance, which I do n't understand, because as I said I paid faithfully every month, and it was never charged over the amount. My payments kept getting larger, however the balance does not change with each payment, and this has been going on for about 6 months. 
I contacted Synchrony Financial last week, and asked why my balance was n't going down. I was informed that the 6 month term had not been met, okay, I get that I may have messed up the 6 months same as cash term. I also found out that I am paying {$82.00} in interest on a {$2000.00} dollar card, with a payment of {$74.00}. And just checked and my payment again has been raised to {$76.00} this month. So ... .if the interest on the card is higher than the payment, there is no way I will ever pay this card off, how is that legal? Secondly, how can the interest be that high on a {$2000.00} card. This is utterly ridiculous!!!!!!!!! This card was supposed to be a meant to help someone, however, it has turned into a financial burden. 
XXXX XXXX offers the same kind of terms, however, if you miss the terms, the interest does NOT exceed the payment, it is added to the payment. I also have additional credit cards, and my interest does not exceed the payment, EVER!!! 
I am an honorable person, I pay my bills, however in the current state this credit card company has me in, I will never pay this off. It is as if I am just throwing my money away. Could you please assist me in finding a solution to this outrageous situation? 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-02-21
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (IL)

Western Union Case Reference # XXXX On XXXX/XXXX/16, around XXXX I tried to make a money transfer transaction through Western Union of {$1400.00} ( MTCN : XXXX ). At the end I received an error that this transaction can not be completed due to an error. I called the Western Union, and the lady explained to me that this might be happened due to WU system upgrade. She was also not able to see any transaction during the review of my account. While I was taking to her I tried another attempt ( MTCN : XXXX ). I received the same error. She said these transactions are not going through probably due to system maintenance and you can try again at a later time. If you still face the same issue then call us and we will do the transaction for you. 

After about an hour, I made another attempt ( MTCN : XXXX ) that went fine and I received the message that the transaction completed successfully. 
On XXXX/XXXX/16, around XXXX, during the review of my Bank Account, I was shocked after seeing my account balance. I do n't have sufficient funds available due to additional XXXX consecutive transaction of {$1400.00} from WU. Right away I called to WU to communicate the transaction issue. The WU representative ( XXXX XXXX, XXXX # XXXX ) told me that WU will revert the initial XXXX transactions within 7 days. 

My subject Bank Account is used for auto-pay bills. Currently sufficient money is not available in my account. I already suffer enough by WU system issues and non-vigilant customer service. I am astonished that these kinds of transactions were not considered suspicious at WU end and the client was not contacted immediately before finalizing these transactions. 

The money related XXXX additional transactions is still available in the receiver Bank Account. This problem is happened due to the system issues and WU should be responsible to revert initial XXXX transactions. I want to keep my record straight for all my financial deals. 

Until today ( XXXX/XXXX/2016 ) WU was not able to able to provide any satisfactory answer to provide the solution of the problem happened due to WU system glitch.
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

loan # XXXX we began a process with quicken loans XX/XX/2015. seller paying closing cost and appraisal cost.. gave a {$400.00} deposit for good faith estimate. was to come off the down payment at closing. it would only be lost if we ourselves backed out ... many problems and XXXX times cancelling closing dates,, the seller backing out.. asked for the GFE deposit to be returned and was informed NOT HAPPENING! spoke with exec. office ... XXXX XXXX XXXX stated NO MONIES WILL BE RETURNED, also we 're lucky we do n't get a bill,, claims it cost {$550.00}. not true {$300.00}. seller paid and it was known to be that ... QL literally lied to us, they referred it as,, we were misinformed. have documents and correspondents to proof their total INCOPENTENCE! we did not stop or create the XXXX we 've been placed through.. our entire summer given to QL and now they want us to give them {$400.00} for the ride. from XX/XX/2015 THRU XX/XX/2015
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

I was contacted XXXX at my employment office by a collection agency which was seeking repayment of a student loan. XXXX I confirmed that although I had the same name as their debtor, I had a different birth date, different home address, etc. In short it was clear I was not the person for whom they were looking. Despite this, today I was told that the collection agency Conserve had issued a garnishment order to my employer which is surprising as they already should have had a record of the calls to me at this employer confirming I was not their debtor. I spoke to Conserve this morning and asked for something in writing addressed to me acknowledging their mistake and assurance that this would n't happen again. The XXXX individual was caught is a catch 22 of being unable to speak to me since I was n't their debtor. His supervisor, XXXX XXXX, a Manager with Conserve stated that he could not promise a letter to me as I sought. More troubling than this was the fact that the Garnishment Order was to be certified by the XXXX XXXX. That certification was given by XXXX XXXX whom no one at Conserve knew. I 'm not sure who XXXX XXXX is but he is certifying debt which is completely in error. I believe the attempt to garnish my wage with no warning amounted to an embarrassing hassle for me. One which should have been entirely avoided based on the initial calls to my office. I was not happy that despite causing his hassle, XXXX XXXX could not see his way to drafting a simple XXXX line email which acknowledged that I was not their debtor as such an email would have been in the debt record and would have avoided future confusion. Nor could XXXX XXXX shed any light on Who XXXX XXXX is despite the garnishment order being signed by him. ( See attached. )
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: ASSOCIATED MORTGAGE BANKERS IN (NY)

Associated Mortgage Bankers opened a mortgage loan for me, however, the interest rate they charged my husband and I is XXXX %. After speaking with a refinancing company the representative told me that the interest rate is way too high. 

I feel as though the interest rate is discriminatory. I did n't realize that Associated Mortgage Bankers even charged my husband and I XXXX % on the Truth in Lending Disclosure.
Consumer complaint received 2015-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (FL)

XXXX is billing me for tests already paid for by my insurance company. XXXX XXXX is a tier 1 HMO provider for my insurance company. They have been paid, but continue to harass me with bills. I have no deductible or co-pay with my insurance. Now Quest Diagnostics have turned me in to a collection agency ( Credit Control , LLC of XXXX MO-Account # XXXX ), and have billed my credit card {$100.00} without my permission. I have mailed them EOB 's from my insurance company and they have been FAXED to them as well. Hours on hold with their phone support. Staff at XXXX XXXX facilities refuse to answer any billing questions at their local facility, hours of wait on hold if you try to call them. I have used XXXX customer service portal and the only response from them is a form letter in email.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX  XX/XX/year> I tried depositing {$XXXX} into my account at the XXXX XXXX thru atm It reset on me after taking my cash and didnt reflect on my account
Consumer complaint received 2016-02-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX BANK OF AMERICA BANK OF AMERICA credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : BANK OF AMERICA XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I purchased a automobile in XXXX 2015. I instructed the dealer to ONLY run XXXX report ... Later, XXXX or more showed hard inquiries showed up on my XXXX credit reports. I called each company and asked them to remove ... No Luck ... On XXXX XXXX, i called XXXX and they convinced me to sign up with them and i told them i would, but i did not wanted a soft or hard report ran on my current loan. 
I told them i just wanted to compare rates, nothing else .... Later that day, i began receiving Multiple email offers and phone calls ... I contacted XXXX XXXX and complained. 
The emails and phone calls continued for 2 days ... i am now getting mail from a few of the companies that were calling. i checked my credit report later that week and discovered XXXX new injuries ... i called Leading tree and all of the companies that did the hard injuries and asked them to remove these inquires. I did not authorize any inquires in XXXX and i only authorized XXXX in XXXX of Last Year. I would like these inquires removed. I have disputed these over and over.. i am getting no where.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have had a mortgage on my home since XXXX. Have arranged with my bank to make automatic payments since the loan 's inception. Received a notice two weeks ago of " Intent to Foreclose '' from Bank of America. I had been aware that BOA had bought out XXXX ( my lender, originally ) in XXXX, but was told all account numbers would stay the same. My loan was serviced normally, until XXXX XXXX, when BOA returned my payment to my bank. DId the same in XXXX. No explanation why, no letter, no phone call, nothing. I did not even notice this action until the Intent to Foreclose was received. In fact, BOA has never communicated with my husband or me, by phone, mail or other. For the last couple of years, we have had to call to request our mortgage tax form. 
Although I faxed copies of my bank statements showing timely payments and the return of these, I have still not received any communication from BOA ... ..and I worry about the effect of this action on my husband 's and my credit rating.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MN)

I have a loan that was originated by XXXX, which was recently purchased by PNC mortgage. I asked both XXXX and PNC to terminate the PMI from my loan since it is under XXXX % loan to value. Both refused even though I am current on my payments. XXXX sent me a letter saying that they were required to terminate the PMI after my loan reached XXXX % loan to value. This was during the sale of my mortgage. Shortly after that I called PNC to request they end the PMI, PNC sent me a letter saying I was XXXX % loan to value, but said to remove the PMI I 'd have to pay {$500.00} for a new appraisal.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (AZ)

I have a Macy 's XXXX XXXX XXXX XXXX, XXXX ending in XXXX. This card is showing XXXX late payments on my credit reports to the XXXX major bureaus. XXXX late payment was in XXXX of 2024, the other in XXXX. I am a military veteran with a service connected brain injury due to toxic burn pit exposure while I was stationed overseas in AK. In XXXX of 2024 I experienced severe symptoms from that injury which prevented me from accessing the payment portal in a timely manner. I called Customer Service and they assured me that this late payment would be rehabilitated on my credit report. In XXXX of 2024 I made an on time payment via the app. The app has been problematic in the past. The app showed that the payment was successful but this was in error because the payment did not go through. I called customer service and they acknowledged the issue and suggested I schedule all future payments as automated withdrawals from my bank account which I agreed to. The XXXX XXXX said they would investigate removing that late payment from my credit report.
Consumer complaint received 2016-02-19
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Merchants Credit Corporation (WA)

I have just received a letter from " Merchants Credit Association '' regarding a bill that I apparently owe a medical institution in XXXX called " XXXX Hospital XXXX XXXX ''. 

I have certainly never stepped inside this medical center, let alone been anywhere the company they claim to represent ( I have been to XXXX once in my life ). This so-called collection agency has sent me a letter saying my " account '' is in arrears, yet I have obviously never had such a letter from any medical establishment. It 's all incredible vague and suspicious. 

A few weeks ago I started XXXX, and of course registered for XXXX LLC. I set my home address as the public domain address on file, and I assume these guys are trawling the Washington State XXXX database and looking for victims to extort money from. 

The letter is very vague, and I ca n't find out much about the collection agency, so I 'm not sure what the correct course of action is. I do *not* want to invoke correspondence from these guys, as many reviews online states that this is used to be able to ascertain your telephone number in order to constantly harass you. 

Again, having this absurd demand and have never even stepping foot inside this medical center, or even hearing about them makes me think that they are purely looking for victims using Washington 's online small business database. 

I include a copy of the letter I received. 

Many thanks, XXXX
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (PA)

Paypal will not release my funds since XXXX/XXXX/15, account is closed withholding funds for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC '', unreasonable delaying in funds withdrawal or deposits. Paypal claims my account is closed forever, I am blacklisted as a customer blacklisted forever, but Paypal refuses to release my funds {$500.00}. What Paypal is doing is illegal, an unlawful violation of " Regulation CC ''. XXXX XXXX, Paypal Acct # XXXXXXXXXXXX. My contact number XXXX.
Consumer complaint received 2016-01-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit (AL)

Took out this loan with Argon Credit back in XXXX 2015 to cover medical expenses for my husband. The application stated the interest rate would be no more than 5 % when consumer applied ; however, the interest rate was not revealed until the final signing of the loan. Consumer discovered the interest rate was 89 % on a {$2000.00} loan. This is in violation of the Usury law of the state of Alabama. Consumer has made a previous complaint with CFPB about Argon Credit, and the interest rate was decreased to 79 %. Consumer has made XXXX payments of {$190.00}, totaling {$1500.00}, but the balance is showing {$1600.00} with the majority of the payment going toward interest. Consumer disagree with this balance. Under Alabama usury law, the balance should be {$470.00} because the interest rate charged by Argon Credit is in violation -- balance due {$2000.00}, only. The balance increases enormously every month instead of decreasing. Argon Credit is using Private Payment Services to debit my account, and when consumer calls, XXXX XXXX XXXX refuses to give a payoff balance. The phone reps go into great lengths to avoid giving consumers this information. I have contacted Argon Credit several times about this interest rate violation, but just sends out a generic response.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

We put the house in irrevocable trusts. Wells Fargo ( WF ) okay the transfer in XXXX XXXX. We rec 'd a ltr in XXXX stating that it was not allowed, and that they would foreclose if we do n't transfer it out of the trusts. We had numerous correspondences, and began paying off the loan XXXX XXXX and it was completely paid off by XXXX XXXX, XXXX ; WF sent the release of lien XXXX, but told XXXX and XXXX that we were in foreclosure. As the result, my credit rating dropped by XXXX points. We needed to keep the house in the trusts because my husband is ill, and we told WF that we will pay off the balance. As of XXXX, we had {$480.00} balance in the account. Can they ruin our credit for {$480.00}? It seems mean spirited and petty?