davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (SD)

BM  O Harris  Bank 's auto servicing online service is designed to make payments and payment arrangements relatively difficult. If you set up an online access account, you ca n't actually make a payment through your account. The user has to go to a generic site and enter payment and account information every time. In addition, setting up an autopay arrangement is a paper intensive process that provides little feedback if the autopay is set up and when it kicks in. At the end of the day, the payment system seems to be setup so that people miss payments and become sloppy paye rs (  getting charged multiple late fees over a loans life cycle ).
Consumer complaint received 2017-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I wired money from m y    XXXX   XXXX   XXXX   account to my account on  XXXX , a division of Coinbase , Inc .   That was 5 days ago, the money is neither in my bank account or in my account at  Coinbase.  After  XXXX  attempts to reach out to Coinbase/ XXXX  via multiple support channels  (  XXXX ,  XXXX ,    Support Ticket,  Email, Community Forum ) I have gotten only one automated response, no human response to my request for my funds in one form or another. This seems to be a pattern with Coinbase according to many form posts. I would avoid doing business with them in the future. They are in clear violation of their terms of service.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Hello, On  XXXX / XXXX / 17  I initiated the opening  of Citibank che cking account to take part in a promotion that was for {$300.00} to put {$15000.00} into the account as well as have a direct deposit or purchase of {$250.00} on the account within 45 days. I still have their email communication from  XXXX / XXXX / 17  stating, " We will be contacting you wi thin 5-7 busine ss days about the status of you application. '' On  XXXX / XXXX / 17  I was received their first email stating, " Congratulations! You are on your way to beco ming a new Citibank account holder. There are however, a few more step to complete before you can start using your account. '' I had loaded the account with the required {$15000.00} and made a Direct Deposit t hat hit the account on  XXXX / XXXX / 17 . I reached out  the Citibank on num erous occasions to see when the bonus would post. The representative stated I fulfilled all of the requirements and would receive my bonus after my  XXXX  statement cycled by  XXXX / XXXX / 17 . My account notes were remarked within their systems I was due the bonus.  <P/> Unfortunately, I did n't receive th e bonus and contacted Citibank about this issue. They had reviewed and said my Direct Deposit did n't post until the 46th day when it needed to post within 45 days of account opening. Citibank and I do  not agree on account opening day as they state my account was opened on  XXXX / XXXX / 17  but I did n't have access to the account at that time. Their own team will confirm it can take weeks for an online application to be reviewed and opened. I w as also told on two separate occasions by their support staff that I would receive the promotion. I had been holding this account open with {$15000.00} and direct deposit to obtain this bonus and to not be declined for the bonus is inexcusable by Citibank. Please escalate with Citibank
Consumer complaint received 2017-06-16
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 (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I was hired by XXXX, Director of Employee Compliance to work at XXXX XXXX. I was told I needed a company computer and equipment to work from home until the company moved here in 3 months. I was sent a check for for XXXX. I put the check in XXXX XXXX 's account because withdraws were coming out of my account and I did n't want that to interfer with the company 's check. I put the check in Chase bank on XX/XX/XXXX and they held the check until XX/XX/XXXX. On XX/XX/XXXX, I bought equipment from XXXX XXXX for XXXX, XXXX XXXX for XXXX. On XX/XX/XXXX I bought equipment from XXXX XXXX for XXXX, and XXXX XXXX for XXXX. I check returned to Chase on this same day. I called customer service, they said they didn ' know why. I later believed it was a fraud and called Consumer Protection Services to verify. The lady said it was employee fraud and immediately put a fraud alert on the account with Chase. Chase customer service supervisors were rude and demeaning. The supervisor said the check must have " slipped by someone '' and I found out today that a business in the amount of XXXX should not have been applied to a student account. If all these measures would have been taken the check would have been denied and this would have protected XXXX XXXX 's account as a consumer at Chase. Instead they refuse to give information for me to escalate my concerns. The fraud department will put me on hold and never come back to the phone, and this bank takes no responsible in the negligent behavior displayed by this bank. Because of this I would like the amount of XXXX to be waived due to negligence on part of Chase Bank. The check should have never cleared and a business check should not have been accepted into a Student Account. If you would like anymore information I have to reference number where I filed a complaint with XXXX XXXX and the Consumer Protection Services, XXXX reference numbers receipts and communication from theses perpetrators. The address of the Chase Bank is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. My email is XXXX. Thank you in advance for helping me with this unfortunate matter. Thank you, XXXX XXXX
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NY)

I called collection agency  XXXX   XXXX   XXXX  spoke to  XXXX   XXXX   XXXX   XXXX   XXXX ,  I a dvised  XXXX  this was a Fraud Account that I resolved 3 year s ago with  the  XXXX  and their Attorney and I was removed from the lawsuit and I have Documentation from Court and NYS Sheriff 's Dept showing I was excluded due to the Fraud and i need it to be removed from my Credit Due to the fact i am trying to buy a home.  XXXX  proceed to threaten me saying that I am the guarantor and a judgment is against me and even if I get Attorney I still have to pay and it 's my responsibility an d Hong up on me even when I told him I had document to show that 's not true.
Consumer complaint received 2017-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

I came out if my deferment period in XXXX 2017. I attempted to negotiate income based payments but was denied and issued threats to go after my co-signer. While trying to negotiate payments over a period of 4-5 days, and being sent in circles, I was able to apply for forbearance which lasted until XXXX. When I tried to re-apply for my second term of forbearance, beginning XXXX, the company withdrew a payment and set my forbearance to begin in XXXX. I am unable to make payments and have no ability to negotiate my payments. Interest is accruing and Navient has been more than dismissive.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Technologies, Inc. (UT)

XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Please remove these inquiries.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

I have  a Compass Bank Checking accou nt.     From  XXXX   XXXX  to  XXXX   XXXX  I was charged ATM fees totaling {$2200.00}.     The practice of charging excessive fees is unfair.     I continue to use this checking account and would  like Compass Bank  to adjust the balance based on waived fees.     I have paper copies of all monthly checking account statements, including all pages, reflecting the fees that were charged.     I have more than  XXXX  account w ith Compass B ank.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There was money on my card, and I purchased things but the transactions did n't show or approve the amount s in two da ys. I have an app which sends my money to my card but it 's not processing my payments because my transactions from the bank are n't being successful, it still says processing.
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TX)

MEDICAL DATA SY STEMS I  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT.    MEDICAL DATA  SYSTEMS I, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.   XXXX   has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   XXXX   XXXX   XXXX  .
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: United Student Aid (USA) Funds (MD)

XX/XX/XXXX {$2600.00} XX/XX/XXXX{$3500.00} I have tried numerous times to talk to them about some type of payment plan and they refuse to help me out
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Im in need of dire help  with Ditech at this tim e. I got behind on my Mortgage back in  XXXX  of  XXXX  due to major medical diagnoses of my daughter. I started working with dictech in  XXXX   XXXX  to get modification or payment plan and catch back up. I was told for months that my modification was either being reviewed or missing documents I continued to resubmit these same documents over and over and each time I cal led ditech was told everything was fine and these things take time to keep resubmitting. I contacted Ditech i n  XXXX  to jsut ask if I could set up a payment plan since my amount past due was n't a high amount they told me no that i was being reviewed for am Modification. In  XXXX  of  XXXX  I once again spok e with Ditech and was told I was very close on my modification and to submit paystubs one more time a nd to not worry about any Foreclosure. On  XXXX / XXXX / XXXX  I spoke with a ditech Representative who allowed me to set up a tow payment arrangement of {$1200.00} and then {$1600.00} and it would bring the account current I agreed and was then served a Notice to foreclose on the following Monday  XXXX / XXXX / XXXX . How could I be in line for Modification and a Payment Plan and now being served Foreclosure papers. I have a  XXXX  Daughter and have the funds to pay my past due and keep my home at this time. I need help understanding the Dual Tracking Process that is happening to me at this time.
Consumer complaint received 2017-04-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (KS)

This company called me repeatedly trying to secure payment for a vehicle that was never even showing on my credit report. Then when the vehicle was placed on my credit report after  one year it showed a year of late payments and a high interest rate when due to the soldier an d sailors at the interest rate was supposed to be at 6 %. I try to explain this repeatedly they did not want to work with me and insisted that although I was   XXXX   XXXX   XXXX    th ey wanted for payment or there would be substantial recourse. The recourse was explained as lawsuits or garnishments. I encountered rude customer service representative 's and account managers in regards to this account. There were no solutions given only negative credit reporting and negative/rude customer service. Additional monies were added to the loan that were not included in any contract that I signed at the time of purchase. The dealership that I purchased a vehicle from went out of business and did not have proper paperwork a few months after I purchased the vehicle.
Consumer complaint received 2017-06-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I have a mortgage with   Wells Fargo. They bought my original VA loan without my knowledge or consent and had not given me any information of " rules '' or investor terms.
They will not eliminate my impound account even though I have 20 % or more of equity.
Enclosed is their response.
Thank You   XXXX
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am having difficulty disputing wrong information on my Transunion credit report. It gives direction to make disputes online. It will NOT let me dispute online, information will NOT go thru. I called the  XXXX  number to dispute the report as instructed. The foreign speaking rep tells me he can only answer questions he can not fix anything. He then refers me to  XXXX   XXXX . I called and to my disbelief the exact same gentlemen answers the phone telling me the exact same thing that he can only answer questions. He tells me I can talk to consumer monitoring service. I insisted I do not want consumer monitoring service, I want to dispute my report info. After arguing he connects me with the surpervisor  XXXX  who tells me to call the same number he just told me.She tells me to talk with consumer monitoring service and they can change my info. She says I can not access online because I dont have any credit or loans out.?????? She tells me to call same number he did. She connects me with credit monitoring service. Customer service answers tells me she can not help me I have to call the number I already did. So she says she will connect me. Phone loop starts and then tells me I made to many attempts and hangs up
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo serviced my loan through  XXXX 2015, during which time I was involved in a Chapter   XXXX    Bankruptcy. I have requested on numerous occasions that Wells Fargo provide a complete detailed payment history from when they serviced the loan, since I have disputed the balance of the account. Wells Fargo has refused to provide the payment history, stating they have no obligation to do so. Wells Fargo is in violation on RESPA and CFPB loan servicing law. I am seeking your assistance on this matter.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I was promised  XXXX  bonus points once I made {$5000.00} in purchases within 90 days. I met that requirement. That is how the offer was mailed to me when I decided to apply for the card. I had even confirmed with the customer service representative on  three di fferent occassions : once when i activated my card, once I had made the purchases, and few weeks after the completion of required purchases.     I was assured that I would receive the  XXXX  bonus points with in 6-8 w eeks. I just inquired as to why I did not receive these points.     I am being told that I had a similar card bac k in 2012 that was cl osed and they can not provide another bonus.This is not how the offer was mailed nor were these conditions relayed to me at any time prior to or during when I made these purchases. This is false advertisement on  American Express a nd I believe that I would like a fair resolution for this matter.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

On  XXXX   XXXX  of  2017 I su bmitted a multiple inquire removal letter to all  XXXX  Credit Bureau 's. I did not receive any information on the results or outcome of my request. On  XXXX   XXXX  ( over 30 days late r ), I   submitted a dispute online through Equifax for the same inquiries. That same day the results were completed stating the inquiries were factual and that I should contact the creditor if I disagree with the results. I feel as if my dispute was ignored  the 1st time an d then not taken serio us the 2nd b eing the results we completed in the same day. I understand that there are many people out there with concerns and issues but these inquires were NOT authorized and need to be deleted immediately. I would really appreciate it if someone would take my situation serious. Please help and remove the following inquiries.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.