davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CA)

I opened  Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by  XXXX  of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by  XXXX  and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by  XXXX   2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I recently sold my house and deposited the proceeds of approximately 340,000 into my Wells Fargo account on XX/XX/XXXX. I was told the funds would be available in stages and totally available byXX/XX/XXXX. I got a message on my account web site that the funds were being held an additional week because I had overdrafts on my checking account the previous 6 months. I called the bank and was told that there was nothing they can do so I had to ask what does me having minor overdrafts on my checking account for which I was charged fees have to do with the integrity of checks deposited drawn on a major Arizona Bank? Of course there is no logical explanation. I asked them if a XXXX year old widow  has overdrafts do they put a hold on her Social Security Checks? An absurd analogy obviously but based on their behavior over the past 2 years I would not put anything past Wells Fargo. I am not familiar with Banking Law but this seems to be a civil as well as criminal act. Thank You
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

I was just given a credit increase wit h Barclaycard rewards  card to find out this am they lowered my limit from  XXXX  to   XXXX   with a balance of  XXXX . I have never been late. Always paid well over what was asked. Just got a credit increase 2 months ago. All my other cards were increased too. My credit to debit is 17 % and my score is  XXXX . So with no reason, no letter, no call, no email of notice to this I am now at a 95 %!! Is it legal for them not to let you know even tho on their paperwork it say they notify you 45 days prior?
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

Back in   XXXX   a traveling sales representative for  XXXX   XXXX   XXXX  sold me a vacuum. After paying for the product in full the representative returned to exchange the fully paid for vacuum with a newer model with  a two year warranty and a new payment plan without subtracting the cost of the original model I had already paid for. Eventually the newer model broke down after six months of purchase. Being well within warranty I called the representative, who explained to me he could do nothing about it and told me to call the company. I followed his advice and asked for the company 's number who eventually gave m e another number to call. I call that number and was given another number to call until I circled back around to being told to contact the company or representative. I called the company back hoping to get some answers to my many questions and despite letting them know my warranty was still good they refused to repair or replace my product. That was when I resorted to nearly begging them to honor my warranty to either repair or replace my vacuum which they refused. It was then when I said exactly " Please sir it 's no problem for me to continue my payments but I do n't think it 's fair that you 're having me pay for a broken product that you refuse to honor my warranty to repair or replace. '' Once more they refused, so I hung up the phone.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (AZ)

I opened an auto lo an wit h BBVA Compass Bank i n  XX/XX/XXXX of this  year. My first payment of {$770.00} was applied without issue.  <P/> However, my payment due o n  XX/XX/XXXX  ne ver cleared the  BBVA backen d and the loan went unpaid. On   XX/XX/XXXX ,  BBVA assessed a {$38.00} late fee on the account. After numerous phone calls and online messages, I approached  a manager at a BBVA B ranch office in  XXXX , AZ. I was informed that the payment processing system was " experiencing technical difficulties '' and that is why my payment did not clear. I resubmitted my payment at th e Branch teller window via debit for {$770.00} which posted to my account within 24 hours. I was also informed th at the {$38.00} fee would be reversed.  <P/>  On XX/XX/XXXX , I scheduled my payment ( {$770.00} ) t hrough my online account. As of   XX/XX/XXXX  a t  XXXX  Arizona local time, that payment has yet to be posted to my checking account at  XXXX , no record of the payment exists on    XXXX   XXXX    end. Also, as of the same date and time, the {$38.00} fee has still yet to be reversed.  <P/> I am concerned that  BBVA 's r epeated inability to process payments in a timely fashion ( if at all ) will result in negative reports being published to my credit report, and my account falling into a delinquent status ( neither of which I have EVER had happen ). This would tarnish an impeccable credit report over an issue that is out of my control.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

According to my credit reports, XXXX XXXX XXXX has submitted a collection for an outstanding account. I have contacted XXXX XXXX to inquire with no avail. I have requested proof of service, proof that it is my account, proof of the actual balance owed, proof of signature for stated account and any proof of dates of service. I have not received anything and according to them, this account was opened in XXXX, not XXXX. Now this account is listed with a Collection agency and they have been very unprofessional in trying to have this negative information removed from my credit reports.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

On XXXX XXXX, 2017 I provided check # XXXX for {$850.00} To Wells Fargo Home Mortgage at their XXXX XXXX Location in XXXX Oregon to pay down account XXXX for my home at XXXX XXXX XXXX XXXX, XXXX Or XXXX. I received a statement dated XXXX/XXXX/17 from WFHM acknowledging receipt of my payment and showing my balance go from {$98000.00} down to {$98000.00}. I later received a letter from WFHM dated XXXX/XXXX/17 stating that : " This statement contains a transaction which is the result of a payment that was not honored by your financial institution, '' and stating that my mortgage balance has gone back up {$98000.00}. In fact my XXXX XXXX XXXX check # XXXX most certainly was cashed by XXXX and I supplied XXXX XXXX WF manager with a XXXX XXXX XXXX statement showing my checking balance lower from {$1000.00} to {$210.00} as XXXX cashed my check and Wells Fargo received my payment. WFHM has steadfastly refused to provide me credit for my payment. My mother XXXX XXXX provided an {$840.00} XXXX XXXX payment to the account which WFHM has applied to the account. I will fax and or mail copies of the check I wrote, my bank statement proving the check was cashed and WFHM 's statement showing they deposited my payment and then lied about not being able to cash the payment. WFHM has stolen my May mortgage payment in the amount of {$850.00}. WFHM has inappropriately applied late fees for my ontime payment. WFHM staff have refused to correct their theft despite my providing thorough financial statements proving that WFHM has cashed my check # XXXX. Collectively, the actions of WFHM employees amounts to collusion in order to hide a financial crime.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XXXX WHEN IT WAS REPORTING XXXX OF XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have a account reporting from  XXXX   XXXX  on my Experian  Credit File . I have written/called them several times asking for written verification of this account and each time all they say is the account is verified but they wont tell me how it was verified and have not provided me with anything in writing.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A  few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items .
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CIR, Law Offices (CA)

CIR law offices sued me for a debt incurred by someone who used my credit card. We reached a settlement agreement after I hired an attorney. CIR Law Offices has listed their address as a place where I formerly resided on my credit report. This issue comes up repeatedly and I view it as a form of harassment.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

ON XXX-17 a charge for XXXX was billed to my debit card for XXXX, I do not have XXXX, I have been on hold with BOA for 33 minutes to dispute this. I can not dispute it online, have to call. I need your help.
Consumer complaint received 2017-06-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (FL)

Citi bank NA has been reporting loans past the statute of limitation to my credit bureaus.
They had sold some loans 23 and 26 to   XXXX   XXXX   XXXX   XXXX   that has been harassing me and contacting me for repayment. Citi bank is no longer reporting those loans because of their erroneous error they had to remove them.   XXXX   XXXX    has not removed said loans and continues to contact me for repayment of erroneous loans.
<P/>
Citi bank also has the first date of delinquency for loans 21 and 22 listed as XX/XX/XXXX  which they said would remain on my credit for a period up to 7.5 years.
florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS.
Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money.
THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS 221 AND 22 AND PAST THE DATE OF LOAN 20 THEY SOLD TO DISCOVER BANK  XX/XX/XXXX  THAT THEY CHARGED OFF IN  XX/XX/XXXX .
Consumer complaint received 2017-06-06
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (CA)

My name is XXXX XXXX, I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of XXXX with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed work ( lost wages ) since I have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan ( XXXX College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an XXXX XXXX at a XXXX XXXX XXXX {$11.00} an hour in the XXXX XXXX area I get paid bi-weekly, I have XXXX little boys ages XXXX and XXXX years old and I am the sole provider. Do the math Im going to be homeless because of this issue. I understand XXXX College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with XXXX children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (TX)

I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

Called Macy 's after I had been getting a call that the caller ID said was " XXXX XXXX XXXX. '' The most recent one was this morning ( X/X/17 ). Did not pick up phone because of recent scams. Researched online, and many others surmised this was a scam because their account had a XXXX balance. Since I have also not used my card, I was not concerned, but decided to call Macy 's directly. If nothing else, I could inform them of this scam. This call was just before XXXX. I called the phone number on the back of my card ( XXXX ) It was not working. I therefore called the nearest Macy 's, and they gave me a phone number to call regarding my credit card ( XXXX ). I had not used my Macy 's account for months, and have not received a statement. I was shocked to learn that I had a {$1700.00} balance on my account. When I said these charges were fraudulent, the representative suggested that I purchase insurance for a figure of over {$1000.00}. I then called XXXX, who routed my call to Consumer Protection ( XXXX ). After speaking with the gentleman there, I again called Macy 's. I spoke to someone named XXXX XXXX, and told her that my card had been fraudulently used, and that I would like it to be reported as stolen or cancelled so that no more charges were made. She tried to connect me to a phone number ( XXXX ) to report the charges. After a few attempts, she told me that nobody was available, and that I should attempt to call them myself.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.