davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (PA)

I called Wells Fargo to exchange my dollars for yuan. When I called the XXXX XXXX  number the phone agent gave me an exchange rate of .XXXX dollars to XXXX yuan. When I went to my local Wells Fargo branch they gave me XXXX dollars to XXXX  yuan. So I received about 8 percent less money than I should have and their records on the transaction show their rate and not the rate I agreed upon over the phone. I need help getting the money I agreed upon or giving the money back at full rate.
Consumer complaint received 2017-11-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX XXXX has added a link to " My Accounts '' online portal. I sent them several emails in the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX asking them to remove this service from " My Account. '' I have no interest in this service. As in the XXXX XXXX incident, they have NO RIGHT to open an account or service in my name that I have NOT authorized. In addition ; when I logout out of my online account, the XXXX account as they call it remains open. I must logout separately from this unwanted service or leave myself libel to hacking.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

Home Depot card # 1 with closing date of XX/XX/XXXX amount - {$64.00} # 1 charge for ( + ) {$90.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows - {$65.00} balance.

# 1 statement with closing date of XX/XX/XXXX shows -.XXXX  credit Home Depot card # 2 charge for ( + ) {$96.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows balance {$96.00}.

Payment made XX/XX/XXXX for {$64.00}.

# 2 credit return XX/XX/XXXX -XXXX   with closing date XX/XX/XXXX shows balance {$91.00}.

Payment made XX/XX/XXXX {$91.00}.

# 2 closing date XX/XX/XXXX shows balance {$120.00}. 
# 2 closing date XX/XX/XXXX shows balance {$56.00} I called and faxed POA as this is my XXXX year old sisters card and asked why they would give an individual another card if they already had one and they said they can issue up to three accounts for the same place for one individual. I told them that was rather convenient for them as older people do not even realize different account numbers. I have tried to reason with them but now POA, they say was only for one account, if I have her POA it is for all her financial dealing.

All I now is there were two charges for a total of ( + ) {$180.00} one return credit ( - ) {$32.00}, payment XX/XX/XXXX ( - ) {$64.00}, and payment XX/XX/XXXX ( - ) XXXX. They owe her .XXXX NOT she owes them {$56.00}
Consumer complaint received 2018-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc. (PA)

I received a phone call from XXXX today XX/XX/2018 @ XXXX. 
I do not know what the call was about except an attempt to collect a debt and they left a robocall voicemail on my voicemail message system. 
I don't owe anyone any money. 
I want all these calls to stop asap!
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (NC)

XXXX XXXX and their financial Partner XXXX XXXX have made it difficult for me to cancel my membership. After registering with XXXX XXXX in XXXX for a gym membership, I quickly realize that the company was charging me more than they were supposed to my bill. After multiple attempts to speak with representatives from XXXX XXXX, I kept getting the runaround. The representatives at XXXX XXXX would tell me to reach out to their financial partner XXXX XXXX. When I reached out to XXXX XXXX to rectify the issue, XXXX representatives would give XXXX the runaround and refer me to XXXX XXXX. I effectively was not able to speak with anyone to get a resolution. That prompted me to write a letter of cancelation to XXXX XXXX as stated in my contract and supposedly 30 days after they receive the letter, my membership would end. I went straight to XXXX XXXX   website and submitted that cancellation. I received a verification email stating my account was suppose to be closed in early XXXX. On XX/XX/2018, after reviewing my credit card statement, I noticed that XXXX XXXX and XXXX XXXX had both charged my credit card. Even though they were not authorized to withdraw funds from my account, they were bold enough to charge my card even more than would have been charged had i not canceled. I have given neither of these companies the authorization to charge my account and after calling XXXX XXXX, I was once again advised to call XXXX XXXX.
Consumer complaint received 2018-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I had transferred some monies from my checking account with XXXXXXXX XXXX to my cryptocurrency account with Coinbase. I did this with my Coinbase app on my cell phone. I believe these are considered to be " ACH debit transactions '' by the bank. I made a transfer of {$2000.00} from my XXXX checking account to my Coinbase acct. This transaction went smooth. Then I made another transfer of {$5000.00} with my Coinbase app, from my XXXX checking acct to my Coinbase account -- this transfer of {$5000.00} was a disaster as the Coinbase app caused this transaction to be a duplicate transaction ; in other words, TWO {$5000.00} transactions were made instead of just one {$5000.00} transaction. 
The worst part is the money never made it into my account with Coinbase. I was only credited for {$7000.00} of my money taken from my XXXX checking account, when I should have been credited with {$12000.00}. I am missing {$5000.00} of my money. It just disappeared. The people at my XXXX branch told me it is sitting in Coinbase 's merchant bank account with XXXX XXXX XXXX and that only Coinbase has the authorization to reverse the transfer. XXXX XXXX has given me trace numbers for each {$5000.00} transfer that was sent to Coinbase 's bank. They are : trace # XXXX and trace # XXXX I have called and spoken to a customer care rep and have only received emails stating they are reviewing my claim. It has been 4 months and it really feels like I'm being stone walled and ignored. I want my money back. It belongs to me and I never authorized for duplicated transactions to be sent. I have attached a copy of my XX/XX/XXXXbank statement which shows the money debited from my account. I can't even access my Coinbase account, I haven't been able to since this fiasco happened, so I can't even view any activity in anyway.
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not understand how can a statement from XXXX XXXX which I never had this account with XXXX XXXX be validation. I have a current account good standings with XXXX XXXX but never this one. When was the last payment made on this account? The statement doesn't provide any validation at all.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Experian keeps putting fraud alerts on my file without my permission, I did not request them to do it, nor did they contact me before doing so. I want it removed from my file ASAP, and notified by email and phone call that is was removed.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago. 
I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

I do not have a signed contract nor any contract with Medical Data System. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with Medical Data System. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to  collect any debt. 

I am in receipt of my credit report dated on XX/XX/XXXX. I disputed this collection agency back in XX/XX/XXXX and it was deleted on XX/XX/XXXX. Since obtaining my credit profile once again on XX/XX/XXXX I came across this account that does not belong to me. I sent MEDICAL DATA SYSTEMS certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

I made a payment on the wrong credit card ending with XXXX for {$6700.00}. 
The payment should have been made to the card ending with XXXX.I have called Citi bank 4 times and all they keep doing is give me wrong information saying the mis applied payment will be transferred to right account.Its a shame Citi bank has not yet processed the mis applied payment transfer for the last two weeks!
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

when i booked my XXXX XXXX ticket via XXXX website i was asked if i wanted {$200.00} off the ticket and XXXX extra miles when i charged {$2000.00} dollars on the new card. so I applied and was accepted. When i got my new statement on this new card that show the airline ticket purchased. I was told no {$200.00} credit of first XXXX XXXX ticket purchased and that i would not receive the XXXX bonus miles either. due to my having an existing XXXX XXXX  Citi bank issued credit card. I might point out that no place on XXXX XXXX website did it say for new card holders only. there refusal to grant the credit amounts to bait and switch and really is upsetting. Please order Citi Bank to live up to the offer they made made me on XXXX XXXX website. Had they not offered the {$200.00} on my first ticket with the new card i would have booked a much cheaper flight the the one i booked
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NJ)

As of XX/XX/2018, I paid off my XXXX XXXX XXXX in full. They reported me late 90 days, never sent me a bill in the mail notifying me of any balance due. 
They tacked on a late fee, and then 2 more late fees, for no apparent reason and then reported me late past 90 days. 
I called the company and spoke to XXXX, and she said they were going to have it corrected. But I haven't seen anything being done. Still showing on my 3 credit reports.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Roughly around XX/XX/XXXX I was behind on my monthly payment and I set up a payment arrangement with Conn 's and they accepted it and said once it cleared they would defer my payment and I thought that was the end of it after the transaction cleared, but they continued to call constantly 4-5 times a day. I asked them to stop the frequent calling I was actually trying to recover from a XXXX XXXX and the calls stopped for a while and then started all over again. So now in XX/XX/XXXX I am experiencing the same thing 4-5 times a day maybe more from different numbers which is now getting ridiculous! I've made another payment arrangement divided into 2 payments 1st one has cleared the other one is due on XX/XX/XXXX but in between the payment arrangement the harassing calls continue.
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jana Ferrell & Associates LLC (OK)

i am asking them to validate this debt with a signed contract for the amount they are claiming, please forward a contract that has the creditors name, address the amount claiming i owe and my signature. thats the only paper that i will except as validation, its also all the courts will except as proof the debt is mine. you can upload that through this site. if you dont or cant this will be my final notice prior to file suit in XXXX XXXX courts.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (SC)

XX/XX/2018 several accounts were closed due to identity theft today I discovered they have reopened without any notice or permission Im not sure what Synchrony Bank is trying to achieve with this type of underhanded practice but its not appropriate business practices
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (DC)

A collection for Transworld Systems was placed on my account. I requested for a pay to delete as it is effecting my overall credit score. I intend to apply for a home loan, and this collections account is effecting my score negatively. I have contacted the company on several occassions, and they state they can not delete the debt off of my account.

Please see information as follows : Transworld Systems with a balance of {$1000.00}
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/XXXX, I received a cold call from a travel agency, The XXXX XXXX, a XXXX company, about the purchase of an all-inclusive pre-paid vacation package on my cell phone. The caller indicated that they received my information from AMEX, and they were a preferred AMEX merchant.

I thought it was a little suspicious and called AMEX customer service to discuss my worries about purchasing the vacation. The AMEX representative told me that if the vacation turned out to be a fraud or scam, then I would be protected by AMEX.

I tried to schedule my vacation with the travel agency in XX/XX/XXXX per the terms of the contract. It turned out that it was not a vacation, but an expensive trip to be in a high pressure time share sales pitch. The hotels that they offered were not the same as the ones they sold to us in XX/XX/XXXX. It became very apparent that it was a bait and switch. 

I immediately contacted AMEX with the information and sent in about 30 pages of documentation. I also sent a detailed cover letter that discussed the timeline of all actions.

AMEX opened the dispute then closed it. We refiled several times and they kept closing it down. 

After researching online, we discovered that The XXXX XXXX had been defrauding many other AMEX customers. The XXXX XXXX uses the same modis operondi on all their victims. Some have received their refunds from AMEX, others haven't. 

I want AMEX to do what they promised on on XX/XX/XXXX and give us consumer protection because we were defrauded by one of their preferred merchant accounts.
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TN)

My interest I pay fluctuates each month and typically goes up instead of down. My loans were consolidated years ago on a fixed interest rate. I feel like I am being ripped off by my student loan company AES. I don't think that it has just started. I believe they have been ripping me off for years so that my loans never get paid off. Please help me. See last three month data for examples. 

Loans Purchased by AES on XX/XX/XXXX Payment Date - XX/XX/XXXX Payment : {$310.00} Bal : {$26000.00} Total Principal Paid : {$100.00} Total Interest Paid {$210.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$38.00} Interest Paid : {$79.00} Subsid Consol Loan Principal Paid : {$64.00} Interest Paid {$130.00} Payment Date - XX/XX/XXXX Payment : {$320.00} Bal : {$26000.00} Total Principal Paid : {$180.00} Total Interest Paid {$140.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$67.00} Interest Paid : {$53.00} Subsid Consol Loan Principal Paid : {$110.00} Interest Paid : {$89.00} Payment - XX/XX/XXXX Payment : {$320.00} Balance : {$26000.00} Total Principal Paid : {$190.00} Total Interest Paid {$120.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$73.00} Interest Paid : {$48.00} Subsid Consol Loan Principal Paid : {$120.00} Interest Paid : {$80.00}
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (WA)

This complaint involves XXXX XXXX and their collection agency Perfect Collection. I signed up for XXXX 's services in XXXX 2017. The agreement was that this was a month to month contract, no obligations, cancel at any time. I paid for the equipment installed IN CASH. I later had to cancel their services due to faulty equipment, horrible customer service, and for being sold a subpar security system. I gave the company proper written notice and they acknowledged the termination of the agreement and the fact that I was under no further financial obligation. I just ran my credit report only to find out that the account was placed in collection as of XXXX 2017???? This is the WORST company I have EVER dealt with. How can this happen? I would like to request that someone look into their practices as they are fraudulent and overall their services are a complete scam.
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

In XX/XX/XXXX I was forced into an automatic debit setup with Navient to avoid negative reporting with my student loan. They threaten me with credit reporting issues and although I advised I couldnt pay, the rep made me feel like I had no choice. I was advised that the only way they would work with me was to setup automatic debits from my account which range from $ 80-89! although I was given a set amount, they never debit that set amount.
Consumer complaint received 2018-05-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (PA)

I do not owe XXXX XXXX XXXX  University. This is false and misleading information. This collector is reporting an erroneous amount. I disputed this debt with all 3 credit bureaus and this collector changed the amount owed from {$5500.00} to {$4200.00}. Now on XXXX  they changed the amount back to {$5500.00}. How can 1 bureau show a different amount than the other 2? This company has violated my consumer rights under 15 USC 1692 FDCPA and 1681 FCRA. If this account is not immediately removed i will turn this over to a consumer protection attorney
Consumer complaint received 2018-05-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank XXXX N.Y. 

I was recently a victim of Identity Fraud and I was pre judged by that Branch manager and wasn't given any courtesy that the average customer with a simple checking account would've have gotten. I'm literally trying to keep everything together because the same people and or someone else has compromised my pre paid card as well. The police officers explained that TD is sending to may people to the station for police reports. 
I have way too much going on to get in depth but the way I was treated by that branch and the entire parties in this matter was extremely unethical.
Consumer complaint received 2018-05-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick K Willis Company Inc (KS)

I am XXXX and was living in my car. XXXX XXXX XXXX and XXXX XXXX XXXX repossessed my car while inside a grocery store, leaving me living on the streets.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Mam, on XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX or XXXX XXXX XXXX initiated a hard inquiry on my experian credit reports without having my authorization. 
I kindly ask you to remove the hard inquiry thank you. 

XXXX XXXX phone XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.