davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

So here once again to file yet another complaint about Home Depot .... filled one last month because there automated system told me what to pay, to find out from customer representative it was double ... Now this time it 's to file a complaint on how do I get charged {$35.00} late fees for over 5-6 months in the past to this month because this great automated system did n't take my payment on due date to find out I 'm only getting a {$25.00} late fee .... odd so u just once again made over {$60.00} off me .... then talking to the case person being told that she will not be doin anything untill I file a complaint here .... so here 's your complaint .... so Home Depot has made over {$200.00} on me from there doing and wo n't do anything about it .... time to pay this thing off and close and warn people never get this credit card ... over {$200.00} in there make believe fees, you people should be ashamed. And someone REALLY should be looking much further into them ....
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

My husband and I have a XXXX XXXX credit card for XXXX years more or less.One day my son told me if I new what account care was while going over my statement and if I new that I was paying for it, I said no I do n't know anything about it. this was around XXXX and my husband of 45 year has XXXX  away and my son was looking at all of my financials. 
I told my son to call XXXX XXXX card to cancel the account care service to no avail, my son called many times. So I was forced to pay for all those years even after I was aware of it. 
I want to know if I have rights from the award that XXXX XXXX XXXX card awarded it to their costumers for fraudulent account practices. 
Please respond at your earliest convenience. Sincerely. Yours Truly.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Called Equifax and where told they can not remove these inquires off my report I need proof that I made these inquires called the companies and they have no knowledge of the accounts but Equifax still will not remove ... .. 
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX showed two times in one day XXXX/XXXX/XXXX
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Dear Staff, I am unable to keep my home that is secured by mortgage with Wells Fargo. I bought the home years ago, but lost same due to the down turn in the economy/financial industry in XX/XX/XXXX and for personal health reasons. Briefly, with the help of then President Obamas making home affordable, I was successful with a mortgage modification. I accept all conceivable excuses as to why the loan is in default. 

For the past six months plus, I have been working with Wells Fargo to remodify the mortgage once again, or commence with a deed in lieu or short sale of the home. During the re-modification process, I mentioned to Wells Fargo that I would move back to XXXX as nothing is holding me in XXXX. The re-modification attempt failed. Wells Fargo told me that their rules would not allow for re-modifications, thereafter, Wells Fargo changed their denial to you do not live in the property. Of course I asked why didnt Wells Fargo mention in place rules before commencement of re-modification. I mentioned to Wells Fargo that I was moving to XXXX. I took my time, effort and money to go to XXXX  to accomplish all tasked needed to move into the house. I then agreed to with Wells Fargo that I would short sale the property. I specifically asked how much time do I have to short sale the property and was told, on more than one occasion, there is no time limit on short sales. I thought that was odd, and mentioned to WF that I would quickly commence with a short sale. 

Two weeks ago, WF called me to tell me that they would not consider a short sale due to the fact that as of XX/XX/XXXX, your agency, CFPB, changed rules regarding mortgage foreclosures, and insisted that it was the consumers responsibility to have known that fact. I dont believe what Wells Fargo told me. I asked why didnt you, ( Wells Fargo ) tell me that a month ago about CFPBs ruling. 

I am convinced that Wells Fargo intentionally misled me during the process from re-modification to short sale efforts. It is very clear that Wells Fargo obfuscated every aspect of my efforts to avoid a foreclosure that would negatively impact my credit rating. 

Several times I have asked Wells Fargo its explain its arrangements/agreements with FDIC regarding failed mortgage loans as a result of bad/fraudulent loans funded by XXXX XXXX, XXXX XXXX, aka XXXX XXXX. Wells Fargo purchased these companies along with failed loan reimbursement rights sponsored by the FDIC. These agreements are not in the interest of mortgage consumers, but rather in the interest of banks like Wells Fargo.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

Amex serve sided with the merchant after i explained that i paid for 2 seperate vehicles r registration tags. Either of them were done in XXXX -3 days as i paid for. They wete never done at all. Amex proof from tbe company clearly states as they merchant puts it a discount from XXXX for {$280.00}. Now why would XXXX give the company a discount like that on renewal tags for a XXXX XXXX. Because they did not accept payment until i paid a XXXX reinstatement fee thats why. Which i paid after receiving a notice. Then only then wiuld XXXX receive payment for renewal tags. The discount as the merchant puts it was a for a payment that XXXX could not accept. And the merchant was dishonest. He never received the tags or mailed them to me as they indicated to XXXX XXXX. but you think the {$270.00} discount would have arouse some sort of question with Amex. And the reimbursement that they stated was issed to me for a whole different claim. But they were taking credit for issuing me that reimbursement for both claims. They should have never brought that up. It took me 4 months to receive that claim. both were made on the same day with the same results. I want tovtake both the merchant and Amex serve to court. I have tried reaching out to amex but XXXX out of 7 times been disconnected by supervisors because they dont kniw hiw to answer my questions. Frustrating and very unprofessional. Wht would XXXX give anyone a {$270.00} discount. Think about it. I want the full {$320.00} that i paid for expedite service returned back to me.
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX XXXX I received a phone call from card services - for a Bank of America credit card. The rep on the phone explained that this call was an attempt to collect a debt for a Bank of America credit card with a balance of {$580.00}. 

I told the rep I never had a Bank of America credit and I went on to ask her when the account was opened she said the account was opened in XXXX and the last payment received was in XXXX from a XXXX account. I 've been a Bank of America customer for 11 years with a checking and savings account. 

I contacted the fraud department the very next day and they said they would investigate the matter. I recently received a letter from Bank of America fraud and claim team with the following message : After a thorough review, it has been determined that statements were mailed to you and payments were made. As a result, you 'll be responsible for any balance on the account. 

I was n't asked any information to substantiate my claim about this account being opened fraudulently. Nor did Bank of America provide me with any proof they used to verify that this account belongs to me.
Consumer complaint received 2017-11-29
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. (OR)

I feel the {$10.00} fee to freeze my credit report with experian is unjust and amounts to extortion. I never signed any agreement with this company to give them power over my credit, yet they yield the power to wreak havoc in my life by enabling identity thieves. It should not cost me a penny to protect myself from this, and other credit companies.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I requested a bill to be paid through bill pay that was to reach the vendor by XX/XX/XXXX in the amount of {$460.00}. The company deducted that money from my account but the vendor never received the check and no one has presented the check to cash. The check is floating in limbo somewhere, no one has cashed it, and yet the bill pay company has taken {$460.00} from my account. How is this legal? How is a bank allowed to take money from my account before a check is even presented for payment? 

In discussing this with the vendor, ( on XX/XX/XXXX ) I discovered that the bill pay company bundles checks to vendors in the same envelope and that the bill pay company often bundles his checks in with another business ( pool company ) that has a P.O. Box close to his. 

I find it outrageous that the bank/bill pay company can take my money without actually getting the check to the vendor. I called Charles Scwhab ( XX/XX/XXXX ) and they were able to confirm with their bill pay company that they do indeed bundle checks and that checks to the wrong vendor could be bundled together. 

But my main complaint is that the bill pay company used to send this vendor a draft check which was cashed when he received it. Out of nowhere and certainly without my approval, the bill pay company started using ACH online payments, and as discussed, deducting the payment when they assumed he would receive the check. That is a lot of float this institution is benefiting from at my expense.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SUNTRUST BANKS, INC. (NC)

XXXX 2016 I was offered a bank credit card by a bank representative at my local bank.! He explained to me that the credit card was in the amount of {$3500.00} with a 15 month interest free plan. I used the card initially to pay off a few small accounts and also to make a few personal purchases. I was later reprimanded by someone from the credit company and told that, '' I had no right to make purchases on the card ( my card ). I was further asked who authorized me to do so ''. From that point I was charged 'Interest ' on my credit card and have been paying even to this date! Although, I do not feel that I have been treated fairly, I continue to pay my bill. Please assist me with a workable and fair solution to my delemma. Thank you for your timely consideration.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I discovered that my Chase checking account had been hacked and the hacking had been going on since late XX/XX/XXXX. Copies of all my statements showing the hacking are attached, along with my letter to Chase. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous XXXX accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and Chase refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number given to me by a XXXX employee as I have been too upset to total them myself. 

I caution all my friends to check their statements, especially the Electronic Withdrawals section carefully so this does n't happen to them.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

In the closing documents provided to me by Caliber Home Loans, Inc. ( CalibeXXXX XXXX immediately before the date of my mortgage settlement, I was informed that my total monthly mortgage payments for years 1-7 of my mortgage loan would be about {$890.00} and decrease thereafter. Of this amount, about {$200.00} was estimated to be necessary to cover my escrow requirements. I recently received information from Caliber, however, that indicates that my escrow payment was not estimated correctly and there is a shortage in my escrow balance. To make up for this pervious shortage and to account for future shortages, Caliber has increased my escrow payment by about {$350.00}. When I called Caliber to inquire about this matter, I was informed that the initial disclosure documents provided at settlement only contain estimates and its rather common for those amounts to increase in the future. I was also told that the shortages may be due to a tax miscalculation done by Caliber before the date of my settlement. 

Such a response is unacceptable. While escrow payments may increase due to slight tax fluctuations in future years, I fully expected that the initial disclosure provided to me by Caliber at settlement was accurate, especially given that tax information is publically available and CalibeXXXX billed me for a XXXX XXXX XXXX. An increase of about 173 %, however, in the escrow payment is material and Calibers failure to disclose a reasonably accurate escrow payment at closing was a material misrepresentation and/or omission.
Consumer complaint received 2017-11-15
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: EQUIFAX, INC. (FL)

I reported a credit account, XXXX XXXX, on my credit report to Equifax for identity theft on XXXX XXXX, XXXX. I faxed the identity theft report, my driver 's license and social security card, my statement to remove or block the account from my credit report and a copy of the FCRA. I attached these documents to an email that was sent to me by XXXX. According to the FCRA 605 ( b ) the account should be removed/blocked within 4 days of receipt of the identity theft report. It was not removed in that timing. On XXXX XXXX, XXXX I spoke with XXXX XXXX and she confirmed that all documents including identity theft report was received and advised me the account XXXX XXXX was removed then and it takes 24 hours to update. I checked my credit report again on XXXX XXXX, XXXX and spoke to XXXX again and now he said they did not accept my identity theft report and put it in dispute which I did n't request Equifax to do. I did n't receive any written notification in 4 or 5 days of the identity theft XXXX and XXXX XXXX began to tell me they can deny but fail to explain why or send any letter saying such and that he was the highest level of management and nothing else can be done. I talked to XXXX XXXX once again on XXXX XXXX, XXXX and I was informed by the representative that she was sending to their special Handling team in regards to my identity theft report so the account could be removed. I checked my credit report again on XXXX XXXX, XXXX and it still shows in dispute which I did not request. I called Equifax again and spoke with XXXX XXXX and she did n't want to look at notes what was previously stated and kept stating that she was the highest level of management and refused to look into the matter. I asked for corporate information to contact management that 's over that department she refused to give the information and again stated she is the highest level of management and disconnect the call. I checked my credit report this morning and now they have removed the dispute and put in the comments voluntary repossession. Which everytime you talk to Consumer Affairs about an account my information is being reported negative and incorrect. This has been very frustrating and they have violated FCRA and refuse to go by what is required. This has hurt my credit tremendously because they are falsely reporting information and proper documents have been given. I am at my last attempt to get this resolved and have Equifax to do what is right and stop updating my credit report incorrectly.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

Ive been charged XXXX dollars in the pass 5 days for nsf fees, thats from no fault of my own. Yet my acct still has money in it. Chase customer care said they only wave overdraft fees 3 times in a 12 month cycle. Im not a wealthy person. I work hard for my money .and chase seems to have found away to take it. XXXX XXXX I was charged XXXX. For overdraft fees XXXX XXXX I was charged XXXX for fees XXXX XXXX the same. Ive spoke with the bank several times and has gotten no where.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MARINER FINANCE, LLC (KY)

I 'm complaining today about Personal Finance Company and Mariner Finance 's never-ending attempt to continue to make claim to a debt that has been charged-off in XXXX XXXX bankruptcy. But now they state in a letter ( SEE attached letter ) dated XXXX XXXX, XXXX that THEY 'VE TRANSFERRED my ALREADY CHARGED-OFF, IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), Personal Finance Company LOAN account number ending in XXXX to Mariner Finance as  account number XXXX!!! WHAT???!!! They need to understand the rules and the laws of personal bankruptcy which is the debtors personal liability ( Me, XXXX XXXX, XXXX XXXX for a dischargeable claim is WIPED OUT FOREVER!!!!, if the creditor ( Personal Finance Company ) got notice or if there was no payment to creditors in the case ; therefore, according to this rule, Personal Finance Company had no authority or right to transfer this debt ( account number XXXX ) to Mariner Finance that no longer exist! How is this EVEN remotely possible since this loan ( Personal Finance Company LOAN account number ending in XXXX XXXX has already been CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX )!!!!??? What 's really going on here?? How can Mariner Finance OWN a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST???!!! Furthermore, it is illegal that Personal Finance Company and Mariner Finance TRANSFERRED a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST and they continue to insist that Mariner Finance now OWNs a LEGALLY CHARGED-OFF IN, CHAPTER XXXX BANKRUPTCY LOAN ( Case Number XXXX as of XXXX )!!! I hope that you, Consumer Financial Protection Bureau and the Federal Trade Commission come up with a reason and an answer to my questions and find out what federal bankruptcy laws Personal Finance Company and Mariner Finance have violated. I will also be notifying the Attorneys General HERE in Kentucky where Personal Finance Company and Mariner Finance are located. Either this loan, Personal Finance Company LOAN account number ending in XXXX is CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ). See the attached chapter XXXX bankruptcy creditors list showing XXXX XXXX representing Personal Finance Company. THIS debt has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY, GONE, DOES N'T EXIST!!! or Personal Finance Company and Mariner Finance are involved in some type of nefarious activity that further deserves investigating. If their doing this to me, how many others are they performing this nefarious activity? Please get to the bottom of this for me Consumer Financial Protection Bureau and Federal Trade Commission.
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK (CA)

Discover card states that they have a claim against me, which indicates that they think I broke the law. They are threatening to turn this over to an attorney to obtain a judgment against me if I do not pay them. 

I feel as though this is a violation of the Fair Debt Collections Practices Act. 

Lots of threats contained in this letter attached. 

Please investigate.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (FL)

Hi - SunTrust offered a promotion of {$600.00} to open a bank and credit card. 
After 6 months finally received {$200.00} although they have charged almost {$300.00} in fees. No bank XXXX for 7 months. 
Rude and arrogant staff.
Called over 10 times. 
They show no concern or compassion for this situation.