davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC (AZ)

I received my XXXX XXXX credit card : XXXX, when I called to activate the card, I was informed by a Continental Finance Represenative that she couldnt activate my card because my new phone number wasnt listed on the account, and it was their policy if your old phone number changed and you didnt have your new phone number on the account when you first applied for the credit card, then you have to apply for the credit card again. Thats illegal. They also charged me finance fees for a credit card they wont activate and I cant use. Thats also unlawful.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I entered into a repayment plan with The XXXX XXXX XXXX XXXX for loan repayment. As promised by the XXXX XXXX XXXX XXXX if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! XXXX XXXX XXXX XXXX has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the XXXX XXXX program. I paid every month on time as agreed.
Consumer complaint received 2017-10-24
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. (MD)

Opened both Savings and Checking accounts with Sun Trust in XXXX XXXX, XXXX. Requested regular XXXX credit card. Was given DEBIT card which looks exactly like credit card. Agreed to Overdraft Protection. BUT SunTrust " protects '' my account before I make a purchase, then charges me {XXXX} per deposit PLUS {XXXX} for " Overdraft item fee. '' I AM ATTEMPTING TO USE THE XXXX, NOT THE DEBIT! I am XXXX, living on Social Security, unable to pay these fees ( e.g. current statement : {$XXXX} in fees for accounts with less than {$XXXX} in each. I am a XXXX XXXX and hold a XXXX XXXX XXXX from XXXX XXXX, so am angry at this " bait 'n switch '' tactic. Have written yet again to the office in XXXX
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: United Student Loan Assistance Center (VT)

I was reached out to by the United Student Loan Assistance Center on XXXX XXXX, XXXX. The company had told me that they would be able to consolidate all of my student loans and have a low monthly payment for a small cost of {$600.00}. However, I was not informed that this particular company was a third party company, nor that they were not a XXXX XXXX company to actually help me get where I needed to be. I was informed that this was the only way to consolidate all of my student loans to get out of debt. 

A few months later I was contacted by XXXX XXXX who have been nothing but amazing in helping me consolidate my loans with XXXX. Right now that is in the process of being handled correctly with no charge at all. 

When I tried to call the United Student Loan Assistance Center to ask them why they had charged me the fee of {$600.00} I was informed that it was to fill out the application for the loan consolidation. I then began to explain that consolidating Federal Student Loans was free the person I spoke with got defensive and provided slander against XXXX XXXX, which again have not asked me for a penny to consolidate my loans and the monthly payment will be based on what I can afford. 

The gentleman from United Student Loan Assistance Center began to say that XXXX XXXX just wants to get more money out of me, that XXXX XXXX are sales people and that is what they do, collect money from young people like myself who do n't know any better. Which then lead to the United Student Loan Assistance Center could give me a payment of {$0.00} a month to " pay off '' my student loans. I am still not understanding how I pay something off with a payment of {$0.00}
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax, XXXX XXXX and XXXX are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I currently have a Bank of America mortgage and am unable to contact " customer service '' for any assistance on my loan or impound account. On XXXX XXXX, XXXX, I was " on hold '' XXXX hours trying to reach a representative to ask a simple question about my impound account and finally got disconnected from their phone bank. 
THIS IS UNACCEPTABLE. I am calling about my home. I am a customer. The use of a so called " customer service '' number by Bank of America is hypocrisy because what is going on is instead customer ABUSE. 
Why should I have to wait XXXX hours during my work week to try to speak with a representative about my home mortgage? They should be required to have a call back service or something that does not hold customers XXXX for hours to their negligence, disregard and abuse of customers. 
Please advise what you plan to do about this. 
Sincerely, Customer
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

My checking account was overdrawn by about XXXX because paypal authorized some payments that they should n't have unless they did it rom their own bank. I contested the charges with the bank and they removed it then they closed my account with a balance of XXXX in fees for this XXXX contested charge.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (RI)

Over the past few months, my mortgage company, NationStar, changed their name to '' XXXX XXXX ''. The shortly after, I received a notice that my mortgage ( which has a " fixed '' interest rate XXXX, was going to be going up by about XXXX, due to changes in the escrow account. I did pay XXXX 's mortgage at the increased rate because I had not had time to call them to get more specific information about the increase, but I did not want to be late with the mortgage in the mantime, so I paid it. I finally had time to call this evening, and reached a customer service rep who was very uninformed and struggling to tell me specifically what had caused the increase. Frustrated, I asked for his supervisor. After a long conversation with supervisor during which I had to press him quite a bit for reasons and explanations, it came out that around XXXX of the increase was due to an increase in taxes and/or insurance in my escrow account ( which I will verifywith the town and my insurance company ), but that the remaining approximately XXXX charge per month was an additional hedge against possible future increases in taxes and/or insurance. When I objected strongly that this did not seem reasonable at all, he finally let me know ( for the first time ) that this was actually optional and I could opt out. So somehow I went from a " shortfall '' to a surplus and now they will be reducing the monthly charge by XXXX and send me a refund of approx XXXX This whole thing was done is a very cagey and shifty manner. Had I not pressed to speak to a supervisor and also pushed back pretty hard and asked lots of questions about the additional charge, I never would have found out what it was or that it was actually optional and I could get them to take the charge off. This, I learned from a relative in the mortgage business, is not acceptable practice at all and possibly breaches certain regulatory requirements. He urged me to report it to you. This relative said, " Nationstar ( now XXXX XXXX XXXX has had issues in the industry with regulatory compliance, including XXXX. They may not be outwardly trying to commit fraud but their data integrity has been criticized enough by regulators to be fined, and you may be experiencing an impact to their data quality issues. Clearly their customer service stinks too. " Please note : the name of the supervisor that I spoke with is XXXX XXXX, or at least that is the name he gave me.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, XXXX, I realized that my core checking account at Bank of America went into overdraft after being charged a $ 12 monthly maintenance fee. I then noticed I was charged the same $ 12 monthly maintenance fee on XXXX/XXXX/XXXX. I called BOA at XXXX to understand why I was charged a monthly maintenance fee and I was told that letters went out in XXXX XXXX that certain waivers would now be charged for this account if it fell below a daily balance of {$1500.00}. I requested that I be refunded the {$24.00} for the maintenance fees so that I could close out that account and that I did not receive the notice about the new fees. 

I was told by a supervisor by the name of XXXX, employee ID XXXX, that the fees charged would stand. I explained to her that I did not receive such notice and if I would have, I would have closed out the account at that time. Since BOA had a correct mailing address for me, she refused to waive the {$24.00} in maintenance fees. This account was opened on XXXX XXXX, XXXX and I have never received any monthly maintenance fees on this account at all until XXXX XXXX, XXXX.
Consumer complaint received 2016-09-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

This happened to us. They opened XXXX accounts for us that we did n't want, and told us that we had to have them .... We are XXXX and wondered all along. Then a year later I went in to the bank and told them we did n't want the accounts. They did n't get rid of them for us, we went back to XXXX, we still had them, and {$200.00} dollars plus later in fees, we still had the accounts. I finally made a big scene in the bank with the manager, and 2 tries later, and each time I went in it was at least an hour with her, and a long wait before seeing her to get rid of these extra accounts. I wanted a full refund and she would only give us back 1/2 of the fees they had deducted. They even transferred money from our other account into these accounts to pay the fees and charged us overdraft protection cost to do that. It was so upsetting! We are one of those customers that they did this to. XXXX XXXX at Wells Fargo in XXXX Arizona is the bank manager. We want something to be done about this.. Thanks for listening. We are XXXX and feel like we have been taken advantage of in the American banking system. Thanks for listening.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (OR)

EVERY year when we attempt to renew the IBR, the  paperwork gets lost or mishandled at Conduent ( ACS ). We spend hours re-submitting forms and making phone calls while the amount due which is greater than we can pay builds and shows overdue. The company eventually gets the IBR fixed, but forces us to additionally pay the overdue higher amounts, which is a real struggle for us.
Specifically, this year, we submitted the IBR requests via pdf email on XX/XX/XXXX and received a confirmation email onXX/XX/XXXX that showed they had received the IBR request and would contact us when processed. We heard nothing from the company until yesterday XX/XX/XXXX when our bill arrived showing no IBR at all. This happened for both my account and my wife 's, with the total payment due exceeding our combined monthly income. I called ACS and they apologized for not contacting us because " the pdf IBR application was cut off with only half the page visible. '' It is a PDF ... NOT A FAX and I confirmed that the image is complete. SERIOUSLY, what are the odds that two separate pdf docs ( one for me and one for my wife ), sent in separate emails were both " cut off ''???
Now they say we have to start over, re-applying for IBR, because the dates on the application are over 60 days. THE DATES WERE FINE EXCEPT THAT THEY DID NOT PROCESS THE ORIGINAL REQUEST OR CONTACT US THERE WAS A PROBLEM.
THIS OCCURS EVERY YEAR. 
My SSN XXXX My Wife XXXX 's SSN XXXX
Consumer complaint received 2016-04-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCSPLUS INCORPORATED (NY)

I went to visit this doctor for the first time. I clearly made an appointment with his doctor with my dental insurance which they also made a copy of. If this was a paying visit why was I not charged before services? They clearly took my dental insurance as they made a copy of my insurance card. Not sure why I my credit is being damaged for a medical bill when I have insurance coverage. I have attempted to contact this carrier several times to no avail
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

Dear CFPB, I 'm hoping you can help me with an issue I am having with Citibank and how they keep causing me to go overdrawn.

To give you a bit of background - I moved to the US from the XXXX about 6 months ago, so I 'm presumably used to a smoother operating banking system.

Essentially - I am using my Citibank checking account as my main account here in the US. I pay through my card on XXXX, XXXX and in-store. From what I gather, the primary cause of the issue is that Citibank seem to take over 5 days to process any transaction. 

This means that when I am buying things online or in-store, Citibank are not actually processing the payment until much later. When they finally do this, they process all my payments at once and they keep sending me overdrawn, and charging me a {$34.00} transaction fee. 

I 've asked them many times to not do this. I never want to be taken overdrawn. If I do n't have enough money in my account to make a payment, I will just use another card / payment method. But, because Citi are so slow at processing payments they let everything build up and process it all at once so that they can claim to charge fee from me, rather than actually just telling me when I 'm making my purchase that it will be declined and I should use another card. 

All of these charges are below XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Monthly Service Fee {$12.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} XX/XX/XXXX Returned Check/NSF Fee {$34.00} ( As a side, I do n't know why they are charging me a Monthly Service Fee, as I did n't sign up for this ) Your help is much appreciated Best, XXXX
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION (SC)

I 've spoken with Central Financial Control on several occasions to reconcile about the inaccurate items that they are reporting against my credit. They are over XXXX of the same items reporting over and over on my credit that are n't valid. The original creditor XXXX XXXX XXXX violated my privacy, and violated HIPAA by providing this company my medical record, reasoning for me visiting the XXXX department, in which these items were all paid via my health insurance, which was provided time of services. I am now seeking legal advise as to filing a lawsuit against the collection agency, being that I spoke with several representatives and they threaten to ruin my credit because they are n't removing anything. Which is a violation of FDCPA to communicate threats. I want all of these items resolved within the next XXXX days otherwise I will pursue further with a lawsuit.
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NJ)

A GB/pound transaction on XX/XX/XXXX, on XXXX, paid by via direct credit card but interfered by PayPal, in the amount of XXXX BG which at the time of transaction was XXXX XXXX but the actual charge to my credit card was XXXX XXXX thus some hidden fees were applied and charged to my account without clearly being stated. My attempt to solve the dispute with PayPal representative, XXXX XXXX ( as she presented herself ), and get the XXXX $ refunded to my account failed despite the obvious differences. PayPal representative continue to state the the exchange rate at that time was different from what I had at the time we had the discussions ( XX/XX/XXXX vs. XX/XX/XXXX, the actual day of transaction ) I think this XXXX $ are hidden fee and need to be clearly disclosed by PayPal when charging a person 's credit card.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

A fraudulent transaction was made on my credit card on XX/XX/XXXX2017 for the amount of XXXX dollars with a promotional super check that was mailed out to my old mailing address where I would reside with my ex partner. The check was fraudulently used and signed with a forged signature by my ex partner. The check used was not filled out properly, therefore making it non-negotiable. Wells Fargo did not secure my credit card account at all by allowing this check to be processed. I have submitted a fraud claim and a reconsideration claim explaining why this transaction should be removed and cleared from my account but Wells Fargo keeps denying it with the reason that the signature on the check belongs to me, I have explained to wells Fargo that the signature is forged and is not mine. I feel wells Fargo is not taking the time to investigate my case thoroughly. I believe as a consumer I am entitled for my credit card company to investigate this matter correctly and not just use the reason of the signatures matching.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I XXXX XXXX have had saving account with Pentagon federal credit union for since XXXX I have used this account for all deposits for retirement and my employment all funds was deposit deposit in my saving I had a open check-in account but since I do n't write checks I never really used it just to maybe transfer money into XXXX. All vacation checks refunds from taxes. Around XXXX of XXXX I started missing funds from my saving account I contacted social security and XXXX XXXX because I could not pay my rent or medical insurance.Around XXXX XXXX XXXX
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

When Equifax had their data breach, I attempted to add a credit freeze to protect myself from their negligence, but their negligence and incompetence continues to be a problem. First, their system crashed when I put the credit freeze. I received an error message on the screen, but when I tried to reenter the info for the credit freeze, the system only gave me options for unfreezing. I did not receive the required PIN to use when unfreezing my information. 

I attempted to use the online system to issue a PIN, but all the appropriate links went to dead pages. I called their customer service number and after waiting for an hour, I got ahold of someone that said they were only answering data breach questions so I would need to call back. 

I wrote them a letter and explained that I needed a PIN for the credit freeze on my account, if indeed a freeze had been placed. They replied by mail that a freeze was in place on my account - and ignored my request for a PIN. I sent a second letter that was very clear that their system did not provide me with a PIN and the online PIN replacement process was broken. I received a letter back that said my address had changed in the last 30 days - I have lived at the same address for the past 20 years! 

I will try a third letter in the hopes of finding someone competent, but the government really needs to step in and shut this company down. At the very least, provide the consumers with an opt out for credit reporting agencies that are irresponsible.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL XXXX credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.