davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

I attempted to purchase gas on Wed XXXX XXXX in the evening in a gas station where I always purchase gas. It 's a XXXX gas station ( Route XXXX, XXXX XXXX. NY ) and I use a 'speedpass ' which is linked to my debit card with a Citibank checking account. I have done this for many many years. The purchase was declined several times. 
I knew Citibank sent me a new debit card, so I went home, activated the new credit card, and attempted to purchase gas again on Thurs XXXX XXXX morning. I twice tried the speedpass and it was declined. I tried my debit card at the pump and it was declined. I went into the store and swiped the debit card and it was declined. I had borrowed cash and was able to put enough gas in my car in order to go to work on Thursday. 
Friday morning XXXX XXXX, I went on my Citibank online account. I was able to get online and some of my accounts showed ( a credit card and CD ), but my checking account and savings account did not display. I tried again a few hours later and the same thing. 
I called customer service and was not satisfied and requested to speak with a supervisor. Another person, XXXX, came on the line. She stated that nothing was showing that there was a problem with my Citicard. She told me that emails were sent to all customers that there old debit cards would no longer work if they did not activate the new cards. She told me I should go on the gas station website to see if they were having a problem. I was not satisfied and asked to speak to someone else. She told me she put in a request and I would hear in 2 business days. ( I assume that means next week. ) My complaints against Citibank : 1. They are holding my money hostage. 
2. I activated my new Citicard and it still did not work. 
3. I was stranded and unable to put gas in my car and had to borrow money in order to put gas in my car and go to work. 
5. They cut off access to my bank information online. 
4. They are going to make me wait for days until an advocate calls me and addresses my concerns. 
5. How can they refuse people access to their money because they decided to issue a new debit card???? 
I have been a customer with Citibank since 1969 ( when they were called XXXX XXXX XXXX ), and I am outraged with their bullying techniques in handling customers and their poor customer support when needed.
Consumer complaint received 2016-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo gave me wrong information when declining application for Home Equity Loan. 
1. They said that there was a foreclosure on the credit report. They claimed that a 'charge off ' if a foreclosure. 
I checked my credit report and also did a title check ; there is no foreclosure listed on either. 
2. They said that there was an {$1800.00} per month student load payment. 
I called my student loan company and checked my credit report ; the payment is listed at {$740.00} per month.
Consumer complaint received 2016-04-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

First., after XXXX years paying. I requested a loan history to see if my extra princ payments were on it. after because, I had been told that even tho. I had made {$4000.00} in princ payments my 30 year term, is still XXXX years ... do n't understand that at all. 
Secondly, I find there is a check missing of {$500.00} never posted to my acc. that Wells Fargo cashed back in 2009. 
Thirdly, what law allows them to bill me monthly AA fees of {$30.00} plus dollars.? Do the math, that is {$12000.00} in 30 years. not right. gouging people.I want to see the exact paper that I signed regarding that information ... v important. 
The way they do the loan history. no one is able to understand it. ( they do n't want you too ). 
My escrow, I pay all this lump sums yearly of like over XXXX sometimes. and they still jack up my monthly rate ... 
Also, they have a check XXXX sent for my taxes. in XX/XX/XXXX. and then they have XX/XX/XXXX another one {$3800.00}. same year. it is just so messed up. that is not even right ... 
They tell me there is a clause saying somewhere that I am not able after XXXX years to pay my own taxes on my property. 
Trust me, they are v good at dancing around everything. 

I just do not trust them. Also, just forwarded info to a Law office in XXXX Md. that is where my home is located..
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express mistakenly closed my credit card, wiping out $ XXXX in credit availability ( half of my overall availability ), which ultimately double my credit utilization, which resulted in a 40 point reduction of my FICO score. They have been less than responsive and are not taking ownership of the impact to my credit.
Consumer complaint received 2017-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (SC)

After making my first payment in XXXX XXXX, I logged into my account on or around XXXX XXXX expecting to have a payment due. The banner across the top of the page told me that my next payment was n't due for another 25 days. I then logged off. I logged on to my account approx 1 month later, and again, across the top of the page in large bold print, it indicated that my next payment was n't due for another 28 days. I then logged off. A week or so later I got an extremely rude phone call from a rep at Avant telling me that my payment was three months past due and that I owed them $ XXXX in order to make it current. My original loan was for {$10000.00}. Now I had every intention on paying back the loan, but this really took me by surprise. I have 30+ accounts that I pay monthly and have a hard time keeping track of them all. When I logged in, I had no way of remembering what transpired a month ago. But the representative on the phone showed me how to navigate through the web page as I logged into my account while on the phone with him, and I said, " See, it shows right here, my next payment is due on XXXX XXXX. He then showed me how to find down at the bottom after scrolling down a ways in fine print where it had last month 's and the month prior 's payment showing delinquent. ( Dates may be off by a few days, but this is the best of my memory of what happened approx a year ago ) Knowing that this has more than likely already greatly damaged my credit, I decided that the way that there web page displayed my account info was extremely misleading and that I was going to fight it. My job is extremely demanding and as a XXXX XXXX at a XXXX XXXX, I know how strict the guidelines are for creditors and figured that there is no way they are abiding by the correct disclosure guidelines and want the whole account to be dropped. Today I got a call from a company who had claimed to have bought my debt from Avant. I have n't received a call in almost a year from Avant and have honestly forgotten about this whole thing until today. I really hope there is something you all can do to help me. Thank you for the time you 've taken to read this. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX, XXXX, and TransUnion concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of XXXX items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, XXXX, and TransUnion are in violation of my rights under this law.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

On XXXX/XXXX/XXXX I was called in regards to a {$51.00} bill presumed to be my responsibility. I had asked the representative what this bill was in regards to. It was from a medical bill on service date of XXXX/XXXX/XXXX for an emergency room visit. I had explained to the representative that my husband is XXXX XXXX XXXX and we are covered medical insurance. Representative had stated that I still had patient responsibility of {$51.00} after insurance pay out. Asked if I could phone insurance company to verify and see what the discrepancy is. Called medical insurance and they stated that original biller had input the medical codes incorrectly and I was being double billed. Insurance agent stayed on the line as I did a conference call back to collection agency to clear this issue. I was hung up on and spoken to disrespectfully with insurance agency as a witness to verify how I was treated. Insurance agent and myself got very frustrated and frankly also was appalled by their actions. We tried to explain how to fix it after 3 attempts at calling with rude language and getting hung up on. I then asked if I could get information of original biller so I could work directly with them and was rudely told good luck finding their information online. Completely unprofessional practices when trying to resolve an issue.
Consumer complaint received 2017-10-16
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. (IL)

I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : XXXX account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I submitted a complaint to the CFPB I.D . # XXXX, XXXX regarding Trans Union and the unfair, inaccurate reporting on my credit report. they still have not giving me any proof of how these items were verified, by who and they have not presented me with this information, they have closed the case and never given me any proof. I talked to the CFPB on XX/XX/XXXX which I said I wanted to reopen the case. I am respectfully reopening my original complaint, I am requesting vitrification from what source, Name, phone number of the people whom verified the accounts as belonging to me on my report.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing is reporting I had late payments in XXXX. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to XXXX so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with Specialized Loan Servicing and they keep reporting false information.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I XXXX XXXX XXXX XXXX and the majority of my clients pay by credit card. This money goes into my account the next day - after XXXX. Between the hours of XXXX XXXX and XXXX, transactions for the day will be processed.

If the total number of transactions are greater than the balance that is in my account at XXXX XXXX, Chase will deduct the highest amounts first resulting in multiple overdraft fees. For example, at XXXX XXXX last night the balance in my account was {$340.00}. Between XXXX XXXX and XXXX 5 transactions were processed. The amounts were as follows : {$34.00} {$44.00} {$56.00} {$74.00} {$380.00} This totals {$590.00}. Chase deducted the {$380.00} amount first which overdrew the account. They paid all of these because history shows that with my merchant account deposits after XXXX, the money would be there literally in minutes. ( after these were processed my merchant deposit hit in the amount of {$1300.00} - plenty to cover the transactions ) Had they deducted the smaller amounts first, the only item that would have made the account go into the negative was the {$380.00}. But, because they have the right to deduct the money however they see fit this will cost me {$170.00}, not {$34.00}.

Just because they have the right to do something does n't make it the right thing to do! I have complained numerous times to Chase about this, and the local staff is sympathetic, but there is nothing they can do.

This policy - and ALL banks do it - is killing the XXXX XXXX XXXX.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXX Mortgage. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
Consumer complaint received 2017-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed a complaint to this body regarding Experian wrongfully reporting a bankruptcy on my credit report and disseminating that incorrect information to creditors. Since I have been challenging Experian on these matters my credit score has been on the decline, dropping 55 points since XX/XX/XXXX. I believe I am being retaliated against. Following my complaint Experian responded by stating they had investigated and that no bankruptcy was listed on my credit report and that Experian was not reporting a bankruptcy to any financial institution. In support of their claim, Experian sent me a clean credit report devoid of any bankruptcy. The screen grab attached refutes Experian 's claim. Credit Check powered by Experian reported as of XX/XX/XXXX that my FICO Score was a XXXX. The source listed is Experian. The number 1 factor influencing my downward score... 
" There is a bankruptcy on your credit report. '' Credit Check powered by Experian reports to XXXX on a monthly basis. XXXX is one of my creditors. Due to the false reporting by Experian, I have had deleterious actions taken against me. On information and/or belief, Experian 's actions are deliberate. They advised this body they were not reporting a bankruptcy on my report, they send me a clean report giving me the impression the bankruptcy is deleted but continue to send information to my creditors that a bankruptcy exist on my credit report... .an elaborate ruse to defraud and mislead. Experian is disseminating disparate credit information to financial institutions.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I have a {$220.00} charge on my XXXX XXXX Credit Card. When I called XXXX 's they said it was part of some promotional thing and the promotion has ended. I asked what promotion? They said some credit protection. I said I did not sign up for protection. They ( XXXX XXXX ) said to call that number for Credit pro. I called them and they said I signed up in XXXX XXXX. I did not sign up. They said they will stop the Credit protection and reverse only {$6.00}. 

Here is what probably took place. I have had XXXX 's card since before XXXX XXXX. When I was in XXXX from XXXX XXXX to XXXX XXXX the account was closed by XXXX XXXX. I believe I tried to buy something at a store and they said I could n't because the account was closed. So I got on the phone with someone and the reopened the account. I never signed up for any Credit Card Protection. If they did ask me on the phone for it then I would have not signed up for it. This is a deceptive technique and I am not the only victim. I want that {$220.00} back off XXXX 's card.
Consumer complaint received 2016-04-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZENCO COLLECTION, LLC (FL)

Zenco collect called my and my wife 's mobile number and left a recording stating a " serious legal complaint '' has been filed against me and I need to call them immediately to prevent action. I returned the call and they stated they were going to garnish my wages in court tomorrow for {$8000.00} unless I settled a debt with XXXX. When I stated I am not aware of any valid debt, they stated it " would not be on my credit report yet ''. I said go ahead and said goodbye. They called again, and then stated a " legal complaint '' had been filed against me and they are going to court for XXXX. When I stated they just called me and stated XXXX was filing against me, they said something about being the same company. I asked then to speak specifically to a registered attorney who was filing the complaint they connected me to person who said they were an attorney registered in XXXX Tx. When I stated how can they can call a mobile phone and threaten me with legal action in XXXX different states for tomorrow with no basis ( they seem unsure which state I lived in ), she stated that she never " not threatening '' me and stated your associate just did, and she hung up.
Consumer complaint received 2016-04-23
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (PA)

I sold my house in XXXX XXXX, XXXX XX/XX/XXXX. Two days prior to the new owner taking over, I boarded a plane to XXXX. All of my belongings including furniture, clothing and automobile, were also transported. The money from the sale of the house was deposited in my bank account shortly after my arrival. I immediatly began paying bills. Since I had used online bill pay for years it only took a few days for my creditors to receive payments. My credit card debt was about XXXX. when I left XXXX, I paid about XXXX, and today I owe about {$8000.00}. I would love having a home, that I can call my own. One day saw a house for sale in the neighborhood I like. I contacted a realtor regarding this particular home, the asking price was XXXX. Immediatly I was transferred to their Loan Department. Later that evening the representative telephoned me to advise me that my credit score was very low ; too low for financing a home. He was somewhat rude, like I just wasted his time. He said I had tons of credit card debt and my house in XXXX XXXX appeared to be involved in a " quick sale ''. He added, there was no way I could get a home financed. 
I amXXXX a XXXX XX/XX/XXXX, I had planned to put the house on the market immediatly, but I love XXXX. It was not untill XXXX XXXX when I sold the house and began making plans to leave. I shipped furniture, household goods and belongings including my car to XXXX where I was raised and have family and friends. The cost of housing is so much lower in XXXX. In XXXX my total mortgage payment was {$3100.00}, and due to the type of loan it would have increased over the next 2 years. 
Another factor which caused my financial problems was, teachers did not get a raise for almonst 10 years. Finally XX/XX/XXXX teachers were given a raise. In XX/XX/XXXX I had to get out of one of those preditory loans, and the new loan started out at 3 % interest for the first 3 years but increased 1 % each year after. I began to use credit cards for groceries and for everything I could not afford. Fortunetly my house was beautiful. I purhased it in XX/XX/XXXX and remodeled the kitchens and bathrooms.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (MO)

The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and XXXX each month. 

I also sent a letter to Equifax and Experian notifying them that the information is inaccurate and requested that it be removed.