davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
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: WELLS FARGO & COMPANY (MO)

Hello : My briefcase was lost/stolen had a few credit cards in it that were paid off and a couple of pin # within briefcase to cards.  XXXX  other cards removed unauthorized charges with no problem!  Wells fargo card was completely paid off then whaam {$3300.00} worth of charges of which Wells Fargo Refuses to credit and states that I made these charges. I 'm not sure what else I can do or if Wells Fargo would listen to me anyway? Never files fraudulent charges with Wells Fargo ever, I 'm really surprised h ow they found these charges valid and were actually made by myseld? DID NOT MAKE THIS CHARGES PLEASE HELP!     Sincerely,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , MO    XXXX   XXXX    Phone:  XXXX   XXXX
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or around   XXXX   XXXX   XXXX     someone stole my Bank of America prepaid debit card. Someone stole my wallet in  XXXX   XXXX , CA. I never let anyone use my debit card before. There are no authorized or joint users. I never wrote my PIN on the debit card. I reported my debit card lost promptly to Bank of America.  <P/> I was told by a Bank of America representative someone stole about {$400.00} from an ATM at a credit union. I do not bank with any credit unions and I have no history banking with a credit union. I have no history using non-Bank o f America  ATM 's to make withdrawals ; so I can avoid non Bank of America ATM fees. I told the B of A representative I did not authorize that transaction.  <P/> In less then 10 days, Bank of America closed their investigation and refused to give me back my money. They also refused to give me provisional credit. They said there was no evidence of fraud. I told them all they have to do is look at the  Credit Union  's ATM surveillance cameras to see who the suspect was and that I am willing to help identity the suspect. Bank of America said they do n't have access to non-Bank of  America  ATM 's and can not look at th e Credit Union 's A TM cameras.  <P/> I asked if they made a good faith effort to call th e Credit Union t o ask for their surveillance/ cameras. Bank of America said  " No ''.  The ATM cameras will simply show whoever stole my money was obviously not me. This makes Bank of America negligent in their investigation.  <P/> I requested a re-investigation and I faxed a copy of my Federal Trade Commiss ion Affidavit/ t heft report. Bank of America closed the second investigation before receiving my  FTC Affidavit. (  I told them I would be faxing the FTC rep ort withing 1-2 busi ness days ). This further demonstrates Bank of America is negligent in their investigation ; and are not making any real effort to prove theft.  <P/> Bank of America is in violation  of Federal Regulation E, ac cording to the terms and agreements they sent me stating : " The cardholder will not be responsible for any fraudulent and unauthorized transactions. '' But this is not what the bank is actually enforcing which is misleading and against the law.  <P/> Bank of America made no real effort to prove fraud, and I believe they have an all to common practice closing out investigations early and not actually investigating much of anything.
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My wife died on XXXX and soon after Bank of America ( BOA ) froze her checking account and forwarded forms to be completed and submitted after probate. Connecticut has XXXX forms of probate filing : standard and small estate which is for estates have no more than {$40000.00} of solely owned assets. As the named executor of her will I filed under the latter. It should be noted that the small estate filing does not require that assets be transferred to an estate account pending disposition. 

Upon receiving the appropriate probate form I took it and the other required forms and documentation to the nearest BOA branch for assistance with their completion and submittal on XXXX. Bank representatives assisted in filing in the forms and said that they would electronically submit them. I requested a check payable to me and was informed that it would take three to four weeks for the processing and that I would receive a check within that time frame. 

Because I had no status reports from BOA I called the phone number on their document on XXXX and was told that they had no record of receiving any filing. I was instructed to return to the branch and have a branch representative contact them so that this could be resolved over the phone. 

I returned to the branch and after much phone conversation between the branch and a central location they agreed to issue a check for deposit to an estate account. The branch representative stated many times that there was no estate account and that it was not required. Basically the central location was saying no estate account no check, completely ignoring Connecticut law. The State of Connecticut Petitioner 's Probate Certificate XXXX Rev. XXXX sates : " The undersigned hereby certifies that the petitioner in the above-named estate has been authorized by the court of probate in accordance with the provisions of C.G.S. XXXX to sell or transfer the following : Bank of America Checking Account '' Because by now I was totally disgusted and wanted nothing more than to get out of there I agreed to accept a check that they would overnight. 

Upon receiving the check which I could not deposit, I contacted my lawyer who stated BOA routinely ignores Connecticut provisions. I have asked others if they had similar experiences with BOA. All were uniform in stating that in any dealing with BOA, they dictate the result. 

I request that BOA be directed to accommodate state laws that may have may require their acquiescence.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I received a letter from Santander Consumer USA that I had until XX/XX/18 to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/18 causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX XXXX XXXX XXXX and Santander was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX   XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/18 to XXXX XXXX. I informed them with proof from XXXX XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/18 and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/18 and received Monday XX/XX/18. But every time I call Santander they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning Santander tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.
Consumer complaint received 2018-08-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: PNC Bank N.A. (NC)

PNC bank loan {$290.00} per month. On Friday XX/XX/2018 I spoke with rep from PNC collection dept.XXXX and made a payment of {$500.00} this left {$270.00} owed for XX/XX/XXXX. I explained to the rep I would try to come up with the money over the weekend but new I would pay that amount on Friday ( meaning XX/XX/2018 ) As I left for work on Thursday XX/XX/XXXX, XXXX pm I was met in my driveway by repo truck and my car was towed away.The earliest I could speak with a PNC rep was XXXX XXXX  Friday XXXX. XXXX at PNC received my call and explained I would have to go to local branch and pay cash {$270.00} del. amount owed and a Repo fee of {$400.00}. XXXX was unable to explain the reason the car was repo when 1 month behind so he forwarded my call to a call review line XXXX for XXXX to pull a recording of my conversation with the PNC rep on XX/XX/XXXX. A message was left and I was told I could check back within the hour to see if he had reviewed recording. If arrangements were made my car would be returned to me and fees reimbursed. I called several times thru out day with no answers and no call back from XXXX. After getting a ride to nearest PNC branch 45 min away I pay the {$270.00} + {$400.00} cash to PNC XXXX XXXX XXXX NC and wait for a XXXX XXXX to call PNC Collection # to confirm payment and fax copy of rec.to XXXX. Rec sent XXXX explained 30 min. wait and I could call XXXX XXXX to get car released for pick up at repo lot. I wait then call to have a rude lady state I would now have to pay the current bill {$290.00} due XX/XX/XXXX late after XX/XX/XXXX. I go back to PNC Bank explain to XXXX XXXX what has taken place and now the system is down so he and I both wait to get thru 45 min. later I am told once again I can wait 1 hour to call XXXX to have car released. It is now XXXX Friday XX/XX/XXXX. and I am given Vin # and contact information of where the vehicle is. The storage charge is {$450.00} due at appointment earliest available Monday XX/XX/XXXX at XXXX 2 hours away. No one at PNC can explain why my vehicle was reposed less than a month late and no one has returned my call about reviewing my call on XX/XX/XXXX. Still no car.
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (TX)

In XXXX of 2018 I called Chase Auto Finance to request a 60 day extension on my Auto Loan. Due to the the fact I was having a financial difficulty and I needed the extension not only to get caught up but to get some breathing room due to the past few months have been very hard on me financially. My spouse fell ill and has not been able to work leaving me the primary caretaker of our home and children. So prior to the call my reason was that and in XXXX of 2018 I was a victim to damage to my current car that I requested the extension on. I was driving down the highway and someone transporting bulk waste didn't tie down the contents and debris came and hit my hood windshield and undercarriage. I was not able to catch up to the car due to the accident it cause I had to pull over. So I have to pay for this out of pocket and the expenses are well over XXXX. This includes repairs and rental car and fuel. I just needed help. So I called Chase explained this to them today XX/XX/2018 I was told that I as eligible transferred to a specialist explained my position and was denied. Keep in mind my account has never been 30 days late ... I always pay between 7 - 17 days past due. I have never had a late fee until now and I have had this loan going on 36 months. I need help and I need my 60- day extension granted so that I can pay my loan
Consumer complaint received 2018-08-19
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. (TX)

IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.
Consumer complaint received 2017-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (GA)

On  XXXX   XXXX ,  2017  I received an email from Simple Support notifying me that my account was closed because it did not did not " meet the requirements of Simple 's account agreement. '' It went on to say " Your card and account are blocked so no further deposits, transactions or transfers can be made. '' I was on vacation at the time across the country and this was my only form of money. I was also concerned as I had just bought my mother and I plane tickets home the night before with this account and I saw that while it showed my  XXXX  purchase of {$360.00}, it was also showing that it was being credited back to my account. I emailed Simple Support asking why my account was closed and received no answer. I then called Simple Support and gave the customer support staff my information to verify my identity. I was told I was no longer able to have phone support and that I must email my concerns and they hung up on m e. I called two more tim es and I was hung up on both times. When Simple Support finally emailed me back, the response was " Your account has been closed and we are unable to reverse that decision. Please refer back to our original message as it contains all the information we have to provide. '' I emailed once more asking if the plane tickets I bought were even valid and I have never received another email. I was forced to buy  XXXX  new plane tickets with funds that I did not have and I am now extremely negative in my  XXXX   XXXX   XXXX  account due t o Simple Bank robbing m e.
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (MD)

My name is  XXXX   XXXX , last four of my social at  XXXX . My mailing and billing address is  XXXX   XXXX   XXXX   XXXX  MD  XXXX . Date of Birth  XXXX   XXXX    XXXX  .     I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the  ban  k First National Omaha to completely  XXXX  out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari  ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has  XXXX  TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at  XXXX  as I have already proven my identity via notarized documents.
Consumer complaint received 2017-04-17
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Home Equity Line of Credit was set to expire in  XXXX   XXXX  &amp; increase payment from {$670.00} to {$1800.00} +. Requested information on a loan modification &amp; paid {$730.00} to get started. Submitted information including tax reports. My credit scores averaged  XXXX  and I have  0 m issed payments for any accounts in the last 7 years. My concern for being approved was debt to income. When I question the BOA modification ab out DTI h e said that " we can help most everyone. '' I then asked what the ratio was for DTI he responded that he did n't know or lied about not knowing. I asked another  Modification Specialist  the same question &amp; he said " only the underwriters know. " My income from Social Security is {$1400.00} &amp; rental income {$1700.00}.  XXXX   XXXX   XXXX  {$2400.00} &amp; BOA {$760.00}. The loan modification was denied on  XX/XX/XXXX  for insufficient income. After the denial I spoke with a different loan modification specialist and he was the first one who did n't lie. He said " there is nothing that can be done if the income is n't there. " The payment due on  XXXX  of {$730.00} was not made.   I spoke with a modification specialist who said I either pay the {$730.00} or it will be settled later. I was never told that if the modification was denied it would be reported to the credit bureau &amp; my FICO score could drop over  XXXX  points even after 7 years of  XXXX  late payments.   A  XXXX  denial letter from the  XXXX   XXXX ,  XXXX   XXXX  dated  XXXX  was received.   Since the case mgr. knows that a modification is not possible he is still still is requesting information to see if I qualify by  XXXX   XXXX ,  XXXX .   I received an appraisal report on  XXXX   XXXX  &amp; knew after researching BOA 's history, that this is the first step toward foreclosure. I am  XXXX   years old &amp;  have lived in this house for 29 years.   Out of fear, I made payments of :  XXXX  - {$690.00},  XXXX  - {$870.00},  XXXX  {$710.00}.   Payments are up to date.   Why is BOA continuing to drag it 's modification out if no other reason other than forcing a forecosure. I have read too many reports of applicants applying for a modification with good credit, current on loan being forced into foreclosure.
Consumer complaint received 2018-08-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Transunion concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND TRANSUNION NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION. Consequently, Transunion responded to my letter on XX/XX/XXXX by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX dollars because Transunion DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Statements : Ending period  XXXX / XXXX /   17  ; Balance {$31.00} Ending period  XXXX / XXXX / 17  ; Balance {$160.00} Fees charged {$120.00} Ending period  XXXX / XXXX / 17  ; Balance {$1600.00} Fees charged {$40.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$59.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$56.00}.      XXXX / XXXX /   17  was the first time, I received a letter advising me that my account was past due. Prior to the  XXXX / XXXX / 17  letter, I never received any hard copy or email statements or telephone calls  from Citi regard ing my past due account, but yet fees continued to accrue.     On  XXXX / XXXX / 17  I made a $  XXXX  payment to  Citi via th eir website.     Since  XXXX / XXXX / 17 , I have been calling  Citi Custom er Service to dispute all of the Fees Charged to my account, a total of {$270.00}. All of my attempts have been unsuccessful because the account is closed and no one can assist me.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Recovery Systems (FL)

To who m it may con cern, I have a collection account on my file from a collection agency name d : (  Midwest Recovery Syste ms ). The accoun t is as follows :  XXXX   XXXX   XXXX ,   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATION S (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical pro of ( Midwest Recovery Systems ) is licensed to collect debt in ( Florida ). Your immediate response will greatl y be appreciated.
Consumer complaint received 2017-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Have tracking of when i first contact equifax concerning dispute online stated it would be complete by today 's date i have not received an email or letter in mail about dispute other disputes they disregard and did not look at them next plan of action suing the bureau for reporting inaccuracy tracking number to equifax  XXXX  first attemp second attempt no response  XXXX