davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A. (NJ)

i made a complaint about my pnc credit card being assessed 1.51 interest. for XXXX cent underpayment. this is the only bank that will insist on it. now i am told someone closed the account. i am reporting this to the media and to oither regulatoryu aegncies. they have money to pay idiots to do nothing but not to give me my money back. and must insist on interest. i want to know who closed it and whythis greed and stupidity must stop
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc. (TX)

Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX.
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: LendKey Technologies, Inc. (WV)

I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion credit agency is a FRAUD! I was notified by " XXXX '' ( my XXXX card ) that they were boosting my APR from 9.99 % to 16.99 % based on a credit report from TransUnion ( see copy of XXXX XXXX letter ). A 7 % boost!!! It listed multiple delinquencies. I 've not been delinquent on ANY payments. A XXXX account was closed when a public fiduciary seized my account - not my fault ( and it 's being disputed in court ). I have XXXX credit cards and have made ALL payments without ANY delay or late payment ( for more than 25 years ). 
XXXX listed the TransUnion agency. I went there to find out why my report was incorrect. Their report stated my credit score was higher than I thought and there were NO account delinquencies. NO 'lack of recent installment loan info ( do n't HAVE ANY installment loans ). 
After logging out of the TransUnion site, I discovered I have signed up for their 'service ' and there was a {$1.00} charge ( though the XXXX XXXX letter states it 's a free service ) PLUS I had subscribed ( I DID NOT!!! ) to their 'service ' and would be charged {$17.00} per month - charged to my credit card. 
I am forwarding a copy of past complaints I found doing a XXXX search on this fraudulent 'sham ' of a company. I stopped at XXXX pages. I have no idea how many pages of info followed ; though I 'm sure I only scratched the surface on those I copy/pasted. 
This company should be shut down and people should be going to PRISON!!! This is pure consumer fraud!!! 
I 've cancelled and shredded my credit card so they ca n't 'soak ' me for {$17.00} per month. I 've had to go through a lot of aggravation because of these scammers. I would like to see them exposed and jailed!
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, I have a FHA mortgage loan on my condo through Bank of America. My original mortgage date was XXXX XXXX. But then I refinanced in XXXX XXXX. My original LTV ratio was over 80 % so I was required to pay PMI of {$360.00} per month. Currently I have {$360000.00} left on my loan and my condo was original assessed at {$460000.00}. I expect it would assess for at least that much today which leaves me under the 80 % threshold. I contacted BofA to ask about removing PMI but they are telling me since I refinanced less than 5 years ago they do n't have to remove PMI and I should contact them again in XXXX. 

Is this accurate? I thought once I had a LTV below 80 % I could contact my lender about removing PMI or at the least the 5 years should count from the date I bought my home not when I last refinanced.
Consumer complaint received 2015-09-23
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I pay my loan back in 2012 I pay my the amount of XXXX, but they are continue putting late fees on my credit account which does n't make sense because I paid that account back in 2012 and it should be close. it was be close by me and he was close by the lender. I have proven that I pay that amount the full amount that they were asking me to pay.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MN)

I purchased furniture from XXXX XXXX and I received about {$3500.00} in defective items. I made numerous phone calls and sent numerous e-mails to the merchant, but I received no response from XXXX XXXX. I purchased the goods with my Wells Fargo Financial National Bank XXXX XXXX credit card # : XXXX. I am dissatisfied with the goods I received from XXXX XXXX and I have tried in good faith to correct the problem with the merchant. I may have the right not to pay the remaining amount due on the purchase. I am disputing the following charges : {$2800.00} and {$760.00} on my credit card account.
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I took out XXXX signature student loans through XXXX in 2006. I have been in school since pursuing a XXXX and will be finished next year. The loans were originally for XXXX total. They are now at almost XXXX due to interest. They are held through Navient. Navient is stating that my deferment period is up and I am in repayment. I told them that I cant pay, as I am in school still. They said I can join a forbearance program put I will have to pay them to join it. I do not have the money to do so. They are offering no other programs. Im stuck and need help.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I am a victim of the Wells Fargo modification review. On XXXX/XXXX/15 I was told by Wells Fargo the modification was received and they needed updated pay stubs. I sent that and the tax returns on XXXX/XXXX/15. On XX/XX/XXXX I was told the file was declined and a sale date was placed on XXXX/XXXX/15. Now WF is saying they have never received a modification for review? How do you decline something you never received? ( House of lies ) I realizes I DO NOT QUAILY FOR HAMP. I have stated this 10 times to WF. I wanted to be reviewed for an INVESTOR MODIFICATION. WF never sent the modification paper work to the investor for review. Instead they have lied about the entire review process. I have just battled XXXX, and now have to file for bankruptcy. This could if been avoided if WF was honest and at least sent the file to the investor for review.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

On Friday XXXX/XXXX/2015 I had used my debit card to make XXXX transactions final XXXX being XXXX and a XXXX transaction that took me XXXX dollars over my account limit. I have had my bank account for years now before the CARD Act of 2009 in which every time I was asked I REFUSED Overdraft Protection knowing the CARD Act of 2009 protects me from outrageous fees and is supposed to force banks to deny purchases when I do not have the funds availableFour years this was respected if for some reason I incurred a Overdraft Charge. I called Chase to inform them that these are illegal fees. I spoke with XXXX agents XXXX agent insisted the CARD Act does not exist and the other insisted that bank rules apply over the CARD Act. The manager claimed the CARD Act has nothing to do with debt transactions overdraft fees. Then the manager caved and claimed my XXXX XXXX charges were recurring fees and they have the right to overdraft as my purchases were shuffled. 

To where yes indeed it is true recurring transactions are allowed to be processed due to the card act and overdraft fees are allowed. XXXX is not a monthly fee not is it a recurring transactions and XXXX states on their site any bank listing it as such is mischaracterizing the charge. 

I am XXXX I understand rules and follow the law I do not understand how companies like this can try to go around the CARD Act of 2009. Its like they are trying to take advantage of people who do not know it exists. 

If anything I said is hard to understand PLEASE contact me as I am XXXX and my XXXX makes it hard for people to understand me.
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (UT)

Applied and received the American Express Blue Cash Preferred Card. Amex charged me the annual fee of {$75.00} upfront on XXXX/XXXX/15. I read and re-read the terms and conditions before applying and thought they would charge me the fee after a year using the card. Why would you pay for services you have n't even received? It did n't make sense. 

I again re-read the TOC and it never states when the fee would be charged. When I contacted them about this they repeatedly told me it was in their disclosures that they charge this fee in the first month. I asked where and spent a few hours with Amex reps falsely explaining that it says that the annual fee was due the first month. 

After considerable time, they finally agreed with me that the TOC do n't state when the annual fee gets charged but would n't negotiate on refunding or changing the timing. Eventually, I paid the fee. After a while, I cancelled the card and hope it did n't hurt my credit by closing the account.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for XXXX XXXX.
Consumer complaint received 2016-03-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genpact Limited (TX)

A debt collector, Genpact, LLC, contacted me in XXXX, XXXX, stating that I owed my former health insurance provider more than {$1600.00} for pharmacy claims that were submitted to the carrier - and for which the carrier paid - more than 30 days after the policy had been terminated. I had never been contacted by their client - the health insurance company - about this debt and the collector contacted me almost a year after the policy had been terminated. I sent a letter to the collector within the 30 days of receiving their letter, disputing the debt. I told them it was not my fault that the insurance company made an error and paid money on claims more than 30 days after the policy had been terminated. I requested the collector to provide written proof that I was financially responsible for this debt. The debt collector called me in XXXX XXXX and stated that they received " proof '' that the debt was mine. The " proof '' they received was a phone call from their client, asserting the debt was valid and belonged to me. I told the collector this was not acceptable and that the law requires them to provide proof that the debt belongs to me in writing. I then filed a complaint with the California XXXX XXXX 's office, asking them to investigate this debt because it seems illogical that the carrier could accept and pay claims on a terminated policy and then try to collect the money from me almost a year later. The XXXX XXXX 's office opened an investigation. Immediately after this phone call, I sent a new letter to Genpact, LLC, informing them of this and stating once again that I dispute the debt. Two weeks later, the collector sent me the same letter they originally sent to me in XXXX XXXX, with no additional proof of any kind that the debt belongs to me. I feel they can not obtain proof from their client that the debt is valid and they are harassing me.
Consumer complaint received 2016-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MO)

This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me.
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016 I applied for the Citi Double Cash credit card. I was told that for 15 months I would not get interested charged on purchases or balance transfers. This same information is posted on the Citibank website. I have only had the card for 2 months and the interest rate of 15.24 percent that I qualified has now kicked in after the fact I was told I had 15 months 0 interest. I would like to get some help as this seems to be false adversting. Thank you in advance for all your help
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why?????
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Atlantic Credit & Finance, Inc. (GA)

I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

On XXXX/XXXX/15 I went to pay My Nationstar Mortgage online and the bill had quadrupled. Nationstar has decided to quadrupled my mortgage and the previous statement that was sent to me in the mail in XXXX did not reflect this change. I had never escrowed my taxes before, but had been late the previous year, but was in a payment plan with XXXX XXXX on my property so I never thought I needed to worry about it. Nationstar was no collecting on the bill I was in a payment plan with and all future " estimated '' tax bills. I was n't prepared. I called but the call center was closed so on XXXX I called immediately in the morning. A representative said that they would look into it and see what they could do. I told her that I always pay my mortgage on the last day of the month and that I did not want a ding on my credit. She assured me that this would not happen. They told that I should refinance and start the paperwork with them and that would stop any action. I sent in some paperwork, but then decided that I did not think that this was wise, and that I should look into selling the home. On XXXX, I received a revised bill, which I immediately paid, only reduced by a XXXX, and Nationstar reported the payment as late even though they told me that they were working on the bill and that they were changing it. This is a predatory practice, and they are wrong. I was never late with a payment, and struggled to pay the mortgage until I sold, and I did, every single month while raising my child as a single mother and they preyed on me. I owned my home and had stellar credit. I put the house up for sell, and now because of the late payment they put on my credit report for their misdirection, it could prevent me from buying again because of the drop in my credit score, which they wanted to happen so they could force me to finance with them, or do a homeowner hardship program, which I did not need. They also required me to pay my mortgage through the XXXX account when I had a problem with my checking account withdrawal through them for some reason and they monogram would not take payments over {$2500.00}, forcing the consumer to pay all kinds of money transfer fees on top of the payments, and XXXX will only transfer that amount daily, which also resulted in a late payment for XXXX day late in XXXX They also remove electronics documents from the customer logins that they may have sent you over time so that you can not see actions that they may have taken when you go back to look.
Consumer complaint received 2016-03-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

XX/XX/2015 I paid my XX/XX/XXXX lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in XX/XX/XXXX by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had XXXX leases with BMW and spent over XXXX without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true. 

Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CO)

My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises.