davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I believe that the Balance Subject to Interest rate has been miscalculated on my account for my most recent statement with the closing date of XX/XX/XXXX. The previous balance on this statement is {$0.00}. The only transactions total {$5200.00} ( {$5000.00} for promotional check cash advance and {$200.00} for check fee ). The Balance Subject to  Interest rate is calculated on 31 days in the billing cycle and a 20.99 % APR. By my calculations, which are based on a careful and thorough reading and understanding of how BOA calculates daily average interest rates and daily compounded interest and that I have performed on multiple apparatus and in multiple ways, I get a Balance Subject to Interest Rate of approximately {$5200.00} for this 31 day statement. However, BOA has somehow calculated a Balance Subject to Interest Rate of {$5700.00} which is overstated by over {$400.00}. 
After wasting 45 minutes on the phone with an incredibly unknowledgeable and rude customer service representative on Thursday, XX/XX/XXXX beginning at XXXX EST and lasting until approximately XXXX EST., I was denied the opportunity to speak with a manger or supervisor of any sort and told that I would receive a letter with a breakdown from finance. No timing could be provided on when that letter might arrive. I was also told that generally I shouldnt worry about it and that he couldnt understand what exactly my concern was. 
I never received a letter and subsequently followed up in writing on XX/XX/XXXX. The response that I expected to my letter was that, per the Fair Credit and Reporting Act, Bank of America would either correct the error or explain to me exactly ( with a full daily breakdown which I requested ) how the Balance Subject to Interest Rate of {$5700.00} noted on this statement is correct. 
Instead of a detailed response and breakdown, I received a completely generic letter in return dated XX/XX/XXXX that not only did not address my inquiry in any specific detail but also stated that the charges on my statement are correct despite there being no support of that.
Consumer complaint received 2017-12-13
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. (GA)

Since letters dated XXXX XXXX ( signed for certified mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) I 've made multiple attempts to correct errors on my credit report to include 1 ) correction of name and address on my report as XXXX XXXX XXXX. I provided a copy of my Drivers License, a copy of my SS Card, a Utility Bill, but Experian has failed to make the name correction. There are variations of names listed on my credit report that Experian refuses to remove as they are not my legal name nor do I receive any bills or mailings under those names. 2 ) During the months of XXXX and XXXX I sent certified letters again XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian in regards to unverified accounts ( which was submitted in the XXXX letters ) with incorrect account information reflecting on my report. I ask for Method of verification not consenting to any means of automated verification. I asked for the name, address, and telephone number of each person contacted regarding the accounts reported on my credit report which was during a reinvestigation period with Experian and yet again Experian has failed to provide such information and failed to make the necessary corrections. Repeatedly Experian has and are now liable for willful non-compliance and have violated the Fair Credit Reporting Act. I have ask that the misleading information be deleted and a corrected credit profile is provided. 3 ) I have placed a freeze on my Experian report dated XXXX/XXXX/XXXX because of Experian 's repeated willful non-compliance to name correction and providing method of verification of incorrect data on my file I want to ensure as well that no information on my report has been released without my authorization. Experian is now beyond 90 days to make the necessary corrections since the first two letters signed for on XXXX/XXXX/XXXX which is proof they are willfully non-compliant to properly make corrections according the Fair Credit Reporting Act.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I overnighted my flood insurance check to XXXX XXXX " XXXX '' along with a binder of receipts from contractors for labor and materials from hardware stores. Two weeks later, I called the XXXX XXXX to be told by the person assigned to my account, XXXX, that I needed canceled check proof of payment to the contractors in addition to their signed " paid '' invoices. Had I not called, when were they going to tell me this? 
I asked about the cash payments we had made to which she replied that the signed invoices had to say " Paid by cash '' and dated. Notwithstanding the failed logic of why a signed invoice is acceptable in one circumstance but not another, I emailed them the cancel check images to " XXXX '' on XXXX XXXX. Today, XXXX, I got an email telling me that they were sending out a check for {$19000.00} ( only for the materials ) out of over {$100000.00} of receipts and that my return XXXX label was unusable. I had spoken to XXXX ' XXXX XXXX last week about the XXXX  label which she claims was not usable because it had Cardinal on the 'From ' address. I generated the label from my corporate account and XXXX confirmed that I had generated it correctly yet XXXX told XXXX this morning not to use it in spite of my proof to the contrary ( sent web captures by email ). I mention this incident as an example of their capricious manner of their handling my reimbursement. The cancelled check proof I sent last week? XXXX just uploaded it to my account this morning and told me that it will take 72 " hours '' to have it reviewed. Their language is measured as if they say " hours '' it will seem less than the 9 DAYS she said it will take. Why will it take 9 days to match a paid invoice with a cancelled check? 
I have maxed out my credit cards and available cash to clean out my house, dry it out and start rebuilding. I need to be reimbursed what I have spent so I can continue with the rebuilding but Cardinal refuses to disburse the funds, even the 1/3rd that they initially told me was customary is not going to be disbursed. I need help to have them be more responsive. Having a natural disaster is one thing but being prevented from rebuilding because of a mortgage company lack of service is shameful.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

For over a year now, I have not been able to obtain a copy of my Equifax credit report. I 've tried ordering it through XXXX but always end up getting an error message saying that my report can not be processed online. I 've tried ordering it directly through the Equifax website but continue to have problems actually getting my credit report. Most recently, on XX/XX/2017, I ordered a copy of my free annual credit report directly through the Equifax website. I received a confirmation email confirming my order and was provided report # XXXX for my report order. The email states that I can access the report online for 30 days. However, the status for the report says " failed '' and when I log onto their website to access my report, there are no reports available on my online account to view. I had received a letter from Equifax last month asking me to provide them with proof of my identity and current mailing address. I provided them with all of the requested information, but never heard anything back from them since. I have n't had any problems obtaining my credit reports from XXXX or XXXX, it 's only Equifax that I continue having problems with on getting a copy of my credit report.
Consumer complaint received 2017-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

To whom it may concern. 

I have a loan for {$650.00} with BigPicture Loans taken out XX/XX/XXXX. I have paid a total of eight payments at {$130.00} twice a week, which has total to {$1000.00} as of XX/XX/XXXX almost double of what the loan was for. What I was n't aware of was the high interest rate charge 475.2292 % yearly rate. I did n't get this information until I received the loan. I understand I did received the loan and I have been paying it, but at a rate like that. I will end up paying them almost 3000.00 dollars for XXXX dollar loan. I feel I have been mislead and taken advantage of because of this rate. I call to get a payoff and got the run around and was told the balance was still XXXX after the XXXX of payments already paid the actually pay off date is XX/XX/XXXX. I ask for manager and was told someone will get back to me. This company is totally taking advantage of the consumers with these outrages rates and terms. I will contact a lawyer and fight this all the way, but BigPicture loans have been paid enough plus interest.I believe BigPicture Loans are not even license to do business in state of Georgia. I will be writing my councilman and the better business bureau.
Consumer complaint received 2017-12-13
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. (CT)

I disputed my credit report with experian. I realized that I was a victim of identity theft and disputed accounts listed that were not authorized by me to them. Experian has refused to remove a fraudulent account that was listed on my report after sending verifying information showing that the account did not belong to me. I tried again disputing this fraudulent account and they have told me that I am no longer authorized to dispute this account because it was verified by the company. I contacted XXXX XXXX on XX/XX/2017 and spoke with a supervisor named XXXX and he conducted a search and nothing came up using my social or name. I was asked to fax over information ( social, utility bill and DL ) the company used this information to update this fraudulent account.
Consumer complaint received 2017-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (NY)

Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (GA)

Our son was having difficulty XXXX and we took him to the emergency room on XX/XX/XXXX at the base hospital. The hospital did not have the proper tool necessary to treat him so they had him immediately transported to XXXX XXXX  in the next city. We heard nothing about any charges and then we received a bill saying we owed around {$350.00}. I immediately called the billing department for the hospital and spoke with an agent who stated that we owed that amount. I asked what was the bill for and he said he doesn't know. So I asked how can I pay for something but I do not know what the charges are for because we have never received a hospital bill because we have XXXX with the military and its always paid. He informed me to contact XXXX. I contacted XXXX and spoke with an agent named XXXX. She couldn't find what the charge was for and she said that it would be removed and to have the hospital contact XXXX if they are still sending bills or calling. I immediately informed the hospital billing department and the agent stated that he would look into the matter. We heard nothing for months so we assumed the issue was resolved. We received another bill in XX/XX/XXXX about the same issue. I called the hospitals billing department and spoke with another agent and he informed me that the amount was not removed and that we needed to pay a totally different amount that was on the bill. He couldn't figure out the numbers and he said that it had to be paid because XXXX only pays a portion. We called spoke to another agent and this agent claimed that the amount was for taking our son to a hospital that was not in the network. We explained that we did not voluntarily take him there, and that he was transported by the hospital. They stated that we still had to pay even though our daughter also was taken to that same hospital for XXXX and stayed almost 5 days and never had to pay. We set up the payment arrangements with the new amount given by an agent of {$380.00}. When I had my credit score checked for a loan, I was told that my credit score has dropped because of a {$14.00} collections debt from the hospital.We paid what we were told and now my credit has been affected. I paid the {$14.00} and I would like this removed from my credit.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hi, I 'm XXXX but i 'm a customer of a US-based company, so i contact you. 

I 'm a customer of Coinbase, a crypto-currencies wallet company. I sold BTCs the Saturday, XX/XX/XXXX off the blockchain ( direct trade between Coinbase and me ), the BTCs were instantly taken out from my BTC Wallet but Coinbase is tiding up my money since 3 days as they DID NOT added the amount to my EUR Wallet ( euros wallet ). The transaction is still pending while marked as " ARRIVES SATURDAY XX/XX/XXXX '' ( see screeenshots attached ). We 're the XX/XX/XXXX. As each transaction is, i think, not confirmed manually, it means Coinbase is retaining my money on purpose. This is a fraud. 
It is unacceptable for a US-based company and i 'm sure the authorities are doing their work fine. That 's why i 'm adding my complaint to, i think, plenty others. 

Thank you.
Consumer complaint received 2017-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Consumer Financial Services (IL)

Hi my name is XXXX XXXX I took a loan at consumer financial services in XXXX  illinois. 
I took out a loan for XXXX dollars I got qualified for it. But on top of that loan they gave me a temporary insurance that in the first place din not wanted. It was a XXXX and it could be removed if you had fax the yellow paper and I did at an a excurrency exchange name pls and they said it was successfully complete and sent. But it did n't not I notice very month as I would always ask the rep at the service desk if they have gave me the credit or waver but they never did. Today I went inside the consumer financial services loan store and spoke to a lady that was very rude and as I was speaking I told her that this has been going on for so long and that I really wanted to get things settled. She refuse to give me a letter that the insurance told me they need a written request from them in order to removed it. I understand there are rules bit I did followed everything they told me. 
Now I just feel like I would never ever get a loan there anymore. 

Why would they add an insurance for a loan that 's so not good. 

I want XXXX to understand that I 'm not made of money and that I have always completed my payments yes maybe sometime I forgot but still paid the late fee.
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IA)

I had attempted to open an XXXX account at Wells Fargo in XXXX and they were suppose to move my current XXXX into their institution. They never moved the funds due to a technical error. I requested my money back to which they said they would. I forgot about the discussion, they sold my account to XXXX XXXX and now XXXX is threatening me for overdraft charges for an account that should not have been opened and have taken my {$100.00}. I would like my {$100.00} back as I requested within the first month of the account being opened. XXXX XXXX refuses to provide me the money even though they accepted the account and responsibility. They claimed Wells is responsible ; which is not an accurate statement as that does not absolve them from Wells actions.
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On XXXX XXXX, 2017, contacted First Citizen Bank. Checks were ordered but I had not received them. Spoke to customer service with no results. I was even told that the order might not have been placed ... Nonetheless, when I looked on my account the bank had taken {$1.00} ( XXXX XXXX ) from my account. When I made an inquiry in reference to this, I was told that I had to pay this fee for there service. I have had this account for over 3 ( three years ). Never charged for any info until now. So if I need any assistance from this bank, I will be charged??? Insult to injury because I could n't even order checks online because they would n't accept the routing number ... so you figure it out. I am terribly disappointed.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CT)

I am a current client of Citi Mortgage and have been since 2002. In XXXX I decided to refinance the mortgage with Citi ( for a second time ). The process was coordinated through XXXX XXXX at Citi Mortgage. I was initially rejected for reasons that apparently had to do with an apartment I was in the process of selling ( mortgage on that apartment was also with Citi Mortgage ). The apartment sold on XXXX XXXX and we agreed to reactivate the refinancing application at that time. 

The process was extraordinarily cumbersome and slow and I began to suspect that there was some form of prejudice involved. I was constantly requested to provide additional documentation and my employer was hounded continually. My suspicions grew out of the unreasonable requests for information, seemingly from the underwriter, that totally disregarded my 15 year history as a client of Citi Mortgage. Essentially, I was subjected to an almost criminal-like treatment. 

I became concerned about the unreasonable length of this application process, especially considering the XXXX data breach in XXXX of this year. I indicated via email to XXXX XXXX of my concerns, noting that I wanted to place a credit freeze on my accounts and needed to close the refinancing as expeditiously as possible. I did not receive an immediate response and, in fact, had to re-send the message before I finally was assured that closing on the refinancing was imminent. 

It was not until early XXXX that my suspicions appeared more based in reality - I reached out to the originator, XXXX XXXX, and even he admitted via email message dated XXXX XXXX ( that he tried to recall ) that he " was beginning to see and understand my frustrations ''. All email correspondence associated with this mortgage application, has been well archived. 

I finally had enough of this unwarranted treatment and withdrew my application on XXXX XXXX. Subsequently, I received phone calls from XXXX XXXX and XXXX XXXX, apparently apologizing. I told them both that I totally disgusted with how I had been treated and how the application had been so grossly mishandled by Citi. 

Given their negligence and apparent prejudice in handling my application, I demanded a full refund of my application fee and confirmation of the supervisors managing the individuals responsible for botching such an utterly flawed application process. 

I finally received a letter dated XXXX XXXX from XXXX XXXX from the Executive Response Unit ( she provided no contact details beyond the return address on the envelope - XXXX XXXX XXXX, XXXX, MO XXXX ). She confirmed that a refund of the {$350.00} was executed " as a customer service gesture ''. The rest of the contents of the letter were totally " XXXX ''. 

I wish to pursue this grievance against Citi and remain steadfast in my belief that they acted in a prejudicial manner. The reference cited by XXXX XXXX in her letter of XXXX XXXX - # XXXX. 

Please feel free to contact me. Thank you and regards
Consumer complaint received 2017-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out by cerified mail and have even made phone calls to get these unauthorized inquries removed from my account. Yet they still have not removed the following inquries : 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
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

Deposited 4 checks into checking account via ATM for XXXX each on XXXX XXXX funds were said to be made available on XXXX XXXX. However SunTrust sent a letter stating they were going to hold funds an additional 7 days at that time once it clears they will release the funds. On XXXX XXXX XXXX when I logged into online banking it was restricted I contacted customer service who advised me to visit a branch which I did the bank advised me they were needing to hold funds until they were validated from issuing party which could take an additional few days, those few days came and I tried again to logon to online banking which was still restricted. I reached out to customer service again who then stated they decided to close my account due to federal rules and regulations and that I would receive a check for the deposited funds in the checking/saving account. Once I received funds from SunTrust they were for XXXX and XXXX?? which were the cash deposits left on the account and not the XXXX funds made available from deposited checks that were credited to account on XXXX XXXX, XXXX and that they will not release hold for deposit until XXXX XXXX, XXXX that deposit will sit it bank vault until that time unless I have issuing party reclaim checks and reissue in which issuing party is stating that I need to obtain funds from SunTrust as they have already release payment