davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CIT BANK, NATIONAL ASSOCIATION (TN)

I closed an account with  CIT  bank in  XX/XX/XXXX which I had used to keep funds after the sale of my home a couple of years earlier . CIT ba nk did not send me my tax forms for  XXXX  until   XX/XX/XXXX   after I had already filed my  XXXX  taxes. They had emailed me information regarding the forms in previous years but ceased all email communication after I closed my account. I updated my banking information across multiple banks  which I used after the sale of my home and all banks except CIT mailed me the forms to my proper, new address. When I contacted CIT they stated they monitored all communication and stated I never contacted and never updated my address them which is not true. I am now facing a costly amendment process to my taxes.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Bank of America Travel Rewards ( Visa ) Card is advertised as having no foreign transaction fee. On XXXX XXXX XXXX I made a purchase for XXXX XXXX and was charged XXXX USD, which implies an exchange rate of approximately {$1.00} per XXXX. XXXX discloses an XXXX exchange rate on their website of XXXX for XXXX XXXX XXXX. XXXX also discloses a XXXX exchange rate of XXXX. These rates are not inverses ( XXXX - XXXX = XXXX ). The difference in these rates constitutes a spread - the profitable difference between the rates at which XXXX buys and sells XXXX. 

Supplement XXXX to XXXX XXXX a ) ( Effective Date : XXXX/XXXX/XXXX ) makes clear that a markup over a fair exchange rate is itself a foreign transaction fee : " The foreign transaction fee is determined by first calculating the dollar amount of the transaction by using a currency conversion rate outside the card issuer 's and third party 's control. Any amount in excess of that dollar amount is a foreign transaction fee. Conversion rates outside the card issuer 's and third party 's control include, for example, a rate selected from the range of rates available in the wholesale currency exchange markets, an average of the highest and lowest rates available in such markets, or a government-mandated or government-managed exchange rate ( or a rate selected from a range of such rates ). '' That Bank of America passes that charge on to me, the cardholder, also clearly makes it a foreign exchange fee : " Fees imposed by a third party are included only if they are directly passed on to the consumer. For example, if a credit card network imposes a 1 percent fee on the card issuer, but the card issuer absorbs the fee as a cost of doing business ( and only passes it on to consumers in the general sense that the interest and fees are imposed on all its customers to recover its costs ), then the fee is not a foreign transaction fee and need not be disclosed. In another example, if the credit card network imposes a 1 percent fee for a foreign transaction on the card issuer, and the card issuer imposes this same fee on the consumer who engaged in the foreign transaction, then the fee is a foreign transaction fee and a finance charge. '' The simplest test of whether a customer is charged a foreign transaction fee is if a purchase and a return on the same day ( and for the same amount of foreign currency ) leaves the customer worse off. Clearly this would be the case : a XXXX XXXX purchase followed immediately by a XXXX return given the above spread of XXXX between the XXXX and XXXX exchange rates would cost the customer about XXXX dollars.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ID)

My ex-husband and I had a mortgage through Wells Fargo Bank for our personal residence when we were still married. We finalized our divorce in XXXX and the divorce decree states that my ex-husband was awarded our home, " ... including all debt attached thereto ''. I signed a Quitclaim Deed on XXXX/XXXX/XXXX releasing my interest in the home to him. I understood from him at that time that he was refinancing the mortgage. However, I have recently discovered that he did not refinance the mortgage. In addition, he failed to make mortgage payments for an extended period of time and as of late XXXX had become over {$42000.00} delinquent in payments. Wells Fargo had begun foreclosure proceedings. In XXXX, XXXX, Wells Fargo allowed him to make a " loan modification ''. That " modification '' actually rolled all delinquent funds into the loan, changed it from a 30 year fixed rate loan to an ARM, and extended the terms of the loan by 10 years. All this was done without my knowledge or signature, yet Wells Fargo kept my name on the loan as a co-signer. I filed a complaint with Wells Fargo and was unable to resolve the issue. My credit has been significantly damaged by the delinquency of my ex-husband. This all happened after our divorce even though the divorce decree released me of all financial responsibility for the home mortgage. In answer to my complaint with Wells Fargo, they have provided me a written response saying that they will not remove my name from the " modified '' loan, and claim that the only way for this to occur is for my ex-husband to refinance the loan. Even if he were willing to do this, that would not clear my credit report of the {$42000.00} of delinquent mortgage payments that were the sole responsibility of my ex-husband. I am confident that Wells Fargo did not act appropriately in allowing my name to remain on the loan after being made aware that we were divorced, and especially in allowing a very significant " modification '' of the loan without my knowledge or consent. I can provide any documents needed.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I purchased my first home in XXXX XXXX. Our Wells Fargo loan officer provided us with home owner 's insurance through Minnesota XXXX at the time of the purchase. In XXXX my XXXX income household went to XXXX income and in XXXX I qualified for a XXXX modification. My original loan interest rate was 6.1 %. The XXXX reduced the interest rate to 2 % for five years, and after that five years my interest rate would rise 1 % until it went back to the original 6.1 %. My interest rate began climbing in XXXX. I was again having trouble making mortgage payments and talked to Wells Fargo repeatedly about a refinance or another modification. It was n't until I contacted another lender, that I was made aware that my home owner 's insurance was {$5100.00} a year adding {$420.00} to my monthly mortgage bill. I originally paid {$250000.00} for a XXXX square foot split level on less than half an acre. I have since cancelled the policy with Minnesota XXXX and am now with XXXX paying {$1300.00} a year for insurance. Why was I being charged such a high amount for my home owner 's insurance? I am a first time home owner and had no idea that was almost four times the amount I should have been paying. Why did n't any of the loan officers at Wells Fargo catch this during XXXX of my many many phone calls? My house is now worth {$240000.00} and at this time I owe {$180000.00}. I 'm guessing it was not in Wells Fargo 's best interest for me to keep my home as there was almost {$55000.00} in equity for them if I was unable to keep making payments and foreclose. I spoke with a real estate agent about selling my home, but for me to make any money, my home would need quite a few repairs and updates. I have been at a loss for the last year. I have spoken with Wells Fargo XXXX last time to try and resolve this issue and understand why no one caught my criminally high insurance premiums. I started my phone call with the Customer Service department and was transferred to the refinance department. XXXX, the representative I spoke with was unable to even look at my loan and she transferred me to the main menu which was unable to process my call and hung up on me. When I called the main number again, I got a message that due to high call rates I would be on hold for a very long time and I should call back. I have hit brick walls at every turn when I 've tried to work with Wells Fargo to keep my home.
Consumer complaint received 2016-11-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NC)

On XX/XX/2016 by Certified mail Southwest Credit Systems, LP ( hereinafter SCS ) was notified that I am disputing that I owe them {$100.00}. As I 'm sure you know they are required by law to validate this alleged debt. They were also noticed that SCS is required by law to mark it disputed within 30 days from delivery of that notice. SCS did not respond to this letter nor did they mark my Credit Reports as " disputed '' within the 30 time period. 

On XXXX/XXXX/2016 by Certified Mail SCS received a second good faith attempt to correct their Administrative blunder advising them that they had failed to validate and failed to mark the alleged debt " disputed '' with the Reporting Agencies. 

On or about XXXX/XXXX/2016 I received a letter from SCS with what appears to be some type of accounting and or statements. Statements or accounting reports DO NOT meet law requirements to validate. Validation, by law, is something with my signature where I would be under some legal or contractual obligation to pay SCS. 

On XXXX/XXXX/2016 I responded to SCS via Certified Mail advising them that they " FAILED '' to validate, SCS also FAILED to mark my Credit Report as disputed and gave notification that because I have exhausted my administrative remedy in this matter that I would be filing a Law Suit against SCS. 

I have kept impeccable records ; I currently have admissible evidence to both ; Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) violations. 
I currently have over {$3000.00} in violations. 

I will be filing a case in Small Claims Court against SCS on or about XX/XX/XXXX and have retained a local Attorney to argue my case. 

Keep in mind this alleged debt is {$100.00} and I have already invested over {$1100.00} to resolve it. 

I did find comfort in my Legal Council advising me that if he did n't WIN I did not have to pay him, he claims it is a slam-dunk AND after checking on other similar cases he will be suing for {$10000.00} which is what Small Claims Courts in XXXX Carolina allow. 

SCS was also advised that once the case has been filed I will no longer communicate or negotiate with them. 

I am reporting this to the Bureau of Consumer Financial Protection as I believe I am duty bound to notify. 

THANK YOU!! 

Respectively, XXXX XXXX
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (MD)

About 6 months ago a collection agency began contacting me about XXXX and stated I owed XXXX over XXXX dollars. I advised that I did not owe XXXX that amount of money. In XXXX they placed a collection on my credit report. I contacted Convergent and advised that they were reporting a debt that is incorrect. They advised that I owed for XXXX lines of service. I advised that even if I owed for XXXX lines of service its no way I could possibly owe {$2300.00}. I requested that they send me an itemized bill of my charges. They said that they would contact XXXX and send me the correct amount. I still have not received this information and they can not provide me with an accurate bill. Also, this account is over 3years old and they have just placed it on my credit report.
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (SC)

I am unemployed. I had a payment that should not have been processed. I had already informed that vendor that the funds were not available for payment when my balance was {$56.00}. 
The payment {$140.00} processed by the bank anyway. My account balance was already low and now I now have an overdraft of {$200.00} that I can not pay due to being unemployed. They are charging me an additional {$7.00} for each day that the account remain negative. That is unfair practice against the account holder. 
Then when I ca n't pay the overdraft, then I will be reported to check systems.
Consumer complaint received 2016-11-25
Product: Other financial service — Refund anticipation check
Issue: Fraud or scam — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

on XX/XX/2016, the sprinkler system in my house failed and cause damage. All state did the evaluation and send a XXXX party check of XXXX named the Bank ( PennyMac Loan Services , LLC ) and homeowner ( me ) has the payee. The agent for the bank instructed me to endorse the check and send them. They will deposit the check and release the funds as the work progress in installment. I did as per their instructions. Made several Phone calls nothing happened. Today is XX/XX/XXXX. 
Now they are telling since we are in bankruptcy/ litigation. We are not going to release the funds.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THIS ACCOUNT IS NOT PAST DUE. INVESTIGATION ARE NOT GETTING PROPERLY DONE I HAVE ATTACHED A LETTER FROM TRANUNION CLAIMING THEY VERIFIED ON WHICH IS INCORRECT. IT IS ALSO REPORTING LATE WHICH IT WAS NEVER LATE. I HAVE ALSO ATTACHED A SCREEN SHOT OF MY ACCOUNT AND ALSO A STATMENT OF THE CELTIC ACCOUNT I HAVE SUBMITTED MORE THAN 4 COMPLIANTS IT IS RIDICOULOUS THAT AFTER ALL THIS TIME IT IS STILL REPORTING INCORRECTLY.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

My credit was used for someone in a country where I do not live to obtain a cell phone and service contract. I received an email today welcoming me to XXXX which prompted me to contact the company with the phone number, account number and billing date to find out why I received the email. After three phone calls, XXXX service reps and about 2.5 hours of waiting and talking, I learned someone walked into a XXXX store and opened an account using my maiden name. The company claims that XXXX forms of identification, matching signature and a credit check are required to open an account. One agent claimed the account must be opened in person, while one said the account could be opened over the phone and no one could confirm how the account was actually opened. I am awaiting a return call from the fraud dispute center at XXXX within the next two days, but in the meantime the rep stated they would not provide any further information to me regarding the account because I could not pass the security identification for access to the account.
Consumer complaint received 2016-09-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Venture Financial Services, Inc. (MO)

I received a letter stating i owe a debt of {$5.00} to local hospitial. The letter does not say when the debt was made and to my knowledge I do not have any debt at this hospital. This looks fraudulent and would like you to look into this claim. Thank you for your time ans help.
Consumer complaint received 2016-11-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

l am not one to complain but in this case l feel l must. 
HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents. 
When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see. 
This oversight caused a legal battle due to information that was given to my sister that she had no business knowing. 
Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank. 
I always thought my confidentiality was between me and the bank and never to be compromised. 
I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested. 
When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine. 
Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees. 
I am asking you to investigate this breach of privacy. 
Thanking you in advance for your prompt attention to this matter.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

In XXXX XXXX, 2016 I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Frequent flier XXXX XXXX miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least { {$500.00} } in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX 2016 and received verbal confirmation that the offer was attached to my account. I quickly completed the requirements. 
On approximately XXXX XXXX, 2016 I contacted Citi and spoke to a representative who assured me that I had met all the requirements and the promotional code was attached to my account. He stated I should see the miles post to my account by XXXX XXXX, 2016. 

I just contacted citibank today on XXXX XXXX, 2016 to see whether the requirement completion was done and when I would be expecting to see my miles. They sent me back a response saying that the offer was never tied to my account. 

I immediately appealed this citing confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least { {$500.00} } worth of frequent flier miles
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XXXX/XXXX/XXXX, I phoned in my XX/XX/XXXX payment and I was told that I am still one payment behind when I questioned them about the statement still showing due for 2 payments and also accumulated late fees. The payment in question, is my XXXX XXXX payment, which was XXXX of the 3 month trial payments for the modification. This payment along with XX/XX/XXXX and XX/XX/XXXX payment was phoned in on XXXX XXXX, XXXX. I was asked to send in proof of this payment, which has been done numerous times, but I still sent my bank statement showing the money coming out on XXXX/XXXX/XXXX. Spservicing also responded to my complaint filed with you XX/XX/XXXX that my loan was current and only due for the XXXX/XXXX/XXXX payment. Refer to case # XXXX. They were also suppose to fix my credit report which they have not done as of today 's date. I was told they are reporting me a rolling 30 day with accumulated late fees which I am refusing to pay because I was never late and have never missed a payment. After they applied all of the payments received in XX/XX/XXXX, I had an excess of escrow payments which they did refund to me and I also have XXXX in unapplied payments. If I truly missed this payment, how could all of this be possible? Proof of this XX/XX/XXXX payment was faxed again on XX/XX/XXXX and I also followed up with a phone call that it was received and in their possession. 
It is sad, because when you speak with their representatives, they think that CFPB is a lender and NOT the consumer financial protection bureau. I never had a problem with them, when I was paying at a rate of 5.875 % on an adjustable rate mortgage. As soon as I was granted the modification, that is when all of these problems started for me. I feel that there is some discrimination going on here as well.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors representatives. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX and XX/XX/XXXX, I sent two certified letters to Experian, requesting an investigation and removal of inaccurate information from my credit report. Despite my repeated efforts, I have not received any response ( see attached copies ). 

I now demand that Experian contact me directly and conduct a thorough investigation to remove the incorrect information from my credit report without further delay. 

The wrong amount is being reported XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MI)

Citibank Home Depot Credit services enrolled me in paperless billing without my knowledge which caused me to not receive a paper statement in the mail informing me that I had a balance due. After 90 days, they called me to inform me of this and I promptly made a payment and closed my account. My concern is what negative impact this has caused on my credit score and rating. I have a personal attorney and he will be looking into this for me and filing the necessary legal action to return my credit score and rating to it 's previous state.