davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WI)

American Express mailed me an offer of XXXX bonus Delta Skymiles if I applied for a card. The offer had my existing personal Skymiles number referenced on the offer. There was a website link on the offer XXXX, however a few days after I got the mailed offer, XX/XX/XXXX I was on XXXX 's website purchasing a ticket and prior to finalizing my purchase, an American Express offer to apply was presented. This offer appeared to be for XXXX miles but I remembered the offer I had gotten in the mail, and applied ( with the assumption that my Skymiles number would, both on the mailed offer and on my XXXX account, would internally honor to XXXX miles offer ). When I got my card, I noticed the disclosures only referenced the XXXX miles and immediately called the customer service number and asked Amex to honor the XXXX miles offered to me on the mailer. I spoke with a gentleman named XXXX and was told that because I did n't apply on American Express 's site, that it was not the same offer. He said I could apply again and close the card I had just gotten. I said that I 'm not going to have another inquiry on my credit bureau when you or someone with authority should simply be able to internally code my brand new card with the better rewards offer, and if they were n't willing to do so I did n't want to even activate the card and would close it. Also, the website on my mailed offer was clearly a XXXX website ( XXXX ), not advertised as an American Express website, so he asked me what the code inside the mailer was. I gave him the code XXXX, which he confirmed was a XXXX offer code. There was no where for me to enter a code on XXXX when I did the application when purchasing my ticket, but again, I figured since they marketed me through my Skymiles number, it would honor the better offer. At this point I was told a resolution ticket would be opened and that it should n't be a worry that they would go ahead and honor the better offer. The resolution code they gave me was XXXX. American Express is supposedly renowned for their excellent customer service so I had no doubts that common sense and service would prevail, however, 6 weeks later I still am waiting on a resolution. I called back, spoke to a manager named XXXX and was told the case was not resolved but the odds were I would not get the additional XXXX miles because I had n't applied through the correct channel to begin with, but to call back in a few more weeks. I was being given the same excuse all over again. To me, this is misleading marketing and advertising and I would like a resolution that results in the additional XXXX miles to be honored.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (WA)

After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have had a series of fraudulent charges made from my checking account from the period of XXXX XXXX XXXX for an amount of XXXX . The bank initially has denied my claim as they say the money was all taken out with my personal ATM card, as well as based on the signature used when withdrawing at some specific point. However, I did not lose my ATM card and so I find it hard to believe that this reason for denying my claim would be reasonable. Furthermore, I have not gone directly to the bank to take out money, at which point necessarily needing to give my signature, in many years. For these reasons I 'm filing this claim against Bank of America.
Consumer complaint received 2016-11-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a discharged Bankruptcy from XX/XX/XXXX. 
Included was Bank of America account # XXXX for property address XXXX XXXX XXXX, MI XXXX. 
This account was discharged by a Judge. 
I have requested Bank of America to close the account more than 2 dozen times. 
I have filed XXXX Complaints. 
Engaged their Escalation department. 
Provided copies of my Chapter XXXX Discharge. 
They Continue to send me monthly statements with interest accruals and balance increases. 
They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. 
They simply will not close out the account and continue to send sketch statemetns.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I had sent Cardinal Financial my XX/XX/XXXX monthly mortgage payment ( due on XXXX XXXX ) on XXXX XXXX in the form of XXXX different money orders of {$990.00} each, for a grand total of {$2900.00}, in a single envelope. But the bank only cashed XXXX of them for {$1900.00} on XXXX XXXX and applied that amount towards principle, as my total monthly due amount is {$2700.00}. In essence they lost the third money order. Upon inquiring they requested me to send them copies of the money order receipts, which I scanned and sent them promptly on XX/XX/XXXX. The receipt images I sent were of very high resolution, they clearly show each and every detail, including date, money order number etc. They replied saying they would investigate and get back to me by " the time permissible by law ''. I never heard from them after that. I proactively called the money order issuer, in this case XXXX XXXX, and verified that the money order in question has not been en cashed so far, even until today. 

I had been constantly calling Cardinal Financial inquiring about this issue, they kept saying they need additional time to investigate. When I called them today they said they need additional information to investigate, without clearly telling me what. After spending 1/2 hour on the phone with one of their supervisors she said they need photo copies of the original money order. If I had the original money order with me to take a photo copy and send them, we would n't be in this situation. We are here because they misplaced my money order. 
Since they are not being very helpful I called XXXX to see if they can cancel the money order and refund me the money, they said I need to submit a written request with all the proof. But, they would charge me {$18.00} as processing fee. I decided to take this route as Cardinal Financial was n't providing any solution even after a month has passed, making me nervous about my {$1000.00}. 
I called back Cardinal Financial requesting to reimburse my expenses but they denied, though they are clearly at fault. Their customer service department has been making run pillar to post blaming their internal resolution department but each time they refused to let me talk to any one in this department. Its been a nightmare dealing with them.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (DE)

I purchased two dresses from Macy 's totaling {$260.00}. Bill was due XX/XX/2017. I returned both dresses on XX/XX/XXXX for full credit which XXXX out the balance - and with enough time to be reflected on my next bill. But, when the next bill came in there was a Late Fee of {$27.00} and a Delinquent account status even though the bill clearly shows full credit of the previous month 's balance. There were NO interest charges -which means their system knows it was paid in full - but still applies a late charge and delinquency. Nothing was owed - the full balance from the previous month was XXXX out. I called and they told me I had to pay even though the full credit covered the balance. I advised the agent that paying would have caused a credit balance of {$260.00} and she said no it would n't??!! Then they told me I had to pay the new charge made on XX/XX/XXXX of {$37.00} to remove the late fee and delinquency even though it is not due until XX/XX/XXXX. I asked for a supervisor who told me the same thing and stuck to the same story??!! Then I tried to use their online system which is so horrible to use - the chat function does not work - the email system provided an auto response with no information on when they would get back to me. They are ruining my perfect credit score and trying to make me pay the {$27.00} late fee. Please help. This is a scam - who pays when there is NO balance? How many others have they charged a late fee to when no balance was due? The fact that no interest charges were applied shows that this system is flawed.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

Quicken Loans mailed me a notice that claimed I was prequalified to refinance my home mortgage. ( My mortgage is currently with another lender. ) The notice claimed " You 're already prequalified to refinance your home loan at a low, 30-year fixed interest rate of 4.125 % ( 4.273 % APR ). This lower rate could reduce your monthly mortgage payment to {$1500.00}! '' The claim clearly indicates that my current mortgage rate is higher than their rate and that my monthly payments would go down with this refinance. They even mention my current approximate mortgage balance in the advertisement which gave me the impression that they have my current loan information from my recorded mortgage or credit report. However, my current mortgage rate is much lower ( 3.25 % fixed for 30 years originated in XXXX 2012 ) and later in the fine print they also planned to charge me 1.75 % in points to get their higher interest rate. The P & I payment they quote of {$1500.00} is slightly lower that my current P & I payment of {$1500.00} but they are re-amortizing my current balance over a new 30 year period to achieve that $ XXXXmonth savings! This refinance would cost me considerably more interest over the term of the loan despite the lower payment. Clearly, their claims are not in my best interest and are deceptive ; particularly, their claim that they will lower my interest rate.
Consumer complaint received 2016-07-21
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Me and a friend of mine XXXX signed a lease agreement she was head of household and i was just a tenant ... We had mold in the house i had a XXXX ba y with XXXX son that continued to get sick off the mold we complained for weeks at a time i habe papers from my childrens doctors that due to the mold my children were having allergic reactions we put in a 60 day notice to vacate the property due to lack of maintenance and saftey hazards for my children i had to vacate
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

I had previously filed a complaint regarding BMW Financial and my car loan. Although they provided an accounting record and a copy of the contract, it was never made clear at any point that the deferred payments would be due in a lump sum. The terms at the end of the loan were not clear and fine print language that was never explained. The terms were not explained to me when I was offered the opportunity to defer the payments. While I was awaiting a response and reaching out to BMW in response to a letter from them, when I called I was told that my account had been charged off-while I was awaiting a response to my complaint. My credit had been further damage and my loan charged off, while I was told BMW was researching and would contact me. 
In addition, my balance due amount has drastically increased and I am concerned as to that calculation.
Consumer complaint received 2016-05-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (TX)

Mercedes Benz Financial was notified on or about XXXX XXXX that two payments ( payment was made XX/XX/XXXX ) were taken out of our account. My wife called and asked to return the extra payment that was taken out and they informed us it would take up to 10 days. On day 10 there was no money in the account so we called again. They stated that nothing had been requested and now it will take 48 hours. After waiting that 48 hours, still nothing. We then called again, and again the message was it will be in our account in 48 hours. This is after giving them the confirmation number from our bank. Again, nothing in the account. We called again and they said they needed a screen shot of the online baking deductions, so we sent that. Still nothing. I have now called twice today requesting to speak with the person we have been speaking with and was informed she was busy and I would get a call later. This is unacceptable. The money is still not in the account.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. 

These are fraudulent inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX I - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove them.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage have informed me, ( See letter attached ) that they intend to charge Mortgage Insurance Premiums on my mortgage at {$260.00} per month until XXXX XXXX regardless of the value of the property with respect to the outstanding mortgage, ( " ... .new appraisals will not be taken in to consideration. When I took out the mortgage I was told MIP was payable so long as the LTV was greater than 80 %. I was then told that the MIP was payable for 5 years regardless of LTV, which would be until XXXX XXXX : Now it 's XXXX. This is despite the fact that my house now values at {$400000.00} with an outstanding mortgage of {$250000.00} which is an LTV of 65 % as of today! I regard this as a predatory and fraudulent lending practice. I am being forced to purchase MIP when it is completely unnecessary which Wells Fargo is completely aware of, at {$3100.00} per year until XXXX! This is a deliberate oppression of the consumer.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

I was charged {$170.00} for renewal of a credit card that I did not need or use. At the time I was cancelling the card I was led to believe that the " points '' associated with that card would remain intact for me to use for the purposes that were available ( airfare, hotels, etc ). However after the card was cancelled I found that I had forfeited all of my points. The value of these points on a " cash out '' basis would have been about {$1200.00} which clearly had I known about would not have exchanged for the {$170.00} the bank wanted to charge and which I chose not to pay. My telephone conversation with the customer service agent was recorded. At no time did he indicate to me that I was going to lose my existing balance of earned points under that card account.
Consumer complaint received 2016-11-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (KY)

I took out a loan in the amount of {$600.00} with Big Picture loans. At the time I accepted this agreement, the disclosure was not visible. I was not informed of the 989.6999 % APR rate until after the agreement was signed. I was told that there would be a finance charge of {$210.00} making the total pay off amount {$810.00} not {$4200.00}. I was unable to view the disclosure until after the loan had been processed and funds were delivered to my account. To this date, XXXX/XXXX/2016 I have paid them a total of {$840.00} and my account still shows that I owe them {$810.00}. I was informed by Big Picture that all of my payments went to finance charges reminding you that they informed me that the total payoff was {$810.00} including the {$210.00} in finance fees. 

Big Picture Loans XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I was on XXXX attemting to make a purchase of a pair of shoes when I noticed that there was a link from AMEX on XXXX stating that if I qualified and purchased the shoes from AMEX that I would receive a XXXX credit towards the purchase. After I applied for the AMEX XXXX and was qualified I was brought back to XXXX to complete my purchase. The transaction went through. The next day I was notified that the transaction was declined by XXXX as Amex would not allow the the transaction to go through. I then called XXXX and spoke with XXXX who verified my name address and the last XXXX digits of the instant card number I received. she then assured me that my transaction would go through. 
The next day I was sent an email from XXXX stating that the transaction has been declined by Amex and that I should call them. I called AMEX and asked why I was declined and they said because the XXXX transaction does not meet with their terms and conditions on an instant account. 
Why would AMEX and XXXX advertise on their website an incentive to get the AMEX when they wont even honor a transaction from them? Why was I brought back to XXXX after I qualified for an instant account to complete my purchase if it was ineligible? I would not have applied for a card that would do nothing for me with reference to the transaction. This is a clear XXXX violation. When speaking with AMEX I had referenced XXXX several times and all they could do was apologize. This is wrong and consumers should not sign up for this card if AMEX can not honor the transaction on the Website it was advertized on.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

Between XX/XX/XXXX-XX/XX/XXXX I was offered multiple times, by Navient, to enter into forbearance. I was never offered income-based repayment and never even knew it was an option. I have called Navient ( previously XXXX XXXX ) multiple times over the past few years to discuss repayment options, but I was never once informed that income based repayment was an option. I was also sent obscure " new document available to view '' emails which did not make clear that I was receiving a bill, and were often sorted into my spam box.
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Closed on home loan with Wells Fargo XXXX XXXX. Received notice from them late XXXX XXXX stating we owed XXXX in back escrow, and our payment was increasing XXXX/month if we can not pay the back tax and it posts before the XXXX XXXX payment. We asked about the calculation at closing ; the Wells representative was there, and said the payment amount was n't exact, but it was close, within {$100.00}. XXXX or so, so we signed the documents and closed, expecting a modest increase. 
Now we are forced to pay the above amount or have the loan amount increase considerably.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX in XXXX XXXX, including filing a complaint w XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to XXXX XXXX and they have removed my credit dispute from XXXX.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I have lived in my home for nearly 30 years. My wife and I ( now deceased ) raised our kids and family here. I am now in foreclosure, all because of the very bad loan XXXX XXXX ( now Wells Fargo ) put me in back in 2007. This is a loan where the interest rate and payment goes up and so does the balance. It is called a pick a pay loan. I did not understand this loan when I took it out, I trusted the people at the bank who gave this loan to me. I am XXXX and English is not my first language. They made the loan sound so good, but now several years later it is proving to be very bad for me. As the payment has increased over {$500.00} per month I have tried to get Wells Fargo to work with me to fix this problem. However I ca n't make any progress. I have sent my paperwork to them many times but I have never gotten any help towards a modification. So I began working with a lawyer, who tells me the only way to get Wells Fargo to pay attention is to begin missing payments. So I do this and send in all the papers again many times. Still I have not gotten any help from Wells Fargo. 

I am now in foreclosure with Wells Fargo. I make money from retirement income and also I have rented out rooms to boarders and my grandson lives with me and helps out. I have enough money to give a fair payment to Wells Fargo. But because of this very bad loan they put me in XX/XX/2007 I now see everything falling apart. Why wo n't this bank help me and work with me? My Attorney told me these pick a pay loans are very bad and now illegal?? I want some help from Wells Fargo to get out of this situation.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.