davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I opened up an AMEX Platinum credit card account in XX/XX/XXXX. The card has an annual fee of {$550.00}. The offer I accepted included XXXX points to be added to my account if I spent more than {$5000.00} on the card in the first three months of use. I exceeded that amount easily. It is now approaching six months since I first opened the account and the XXXX points have still not been added to my account. I have made multiple phone calls to AMEX, the latest on XX/XX/XXXX. I also had a " chat '' communication with AMEX on that same date. Each time I have contacted AMEX I am told to wait 6-8 weeks but they, as of today, still have n't done anything about adding the points to my account. I have attempted to make contact with the department that handles the points but have been told that I can not speak to them. The AMEX Platinum card, one of the so-called " premium '' credit cards, has a steep annual fee of {$550.00}. You would think that AMEX would be a little more proactive in honoring the deal they offered. They sure were n't shy about collecting the {$550.00} on the very first statement.
Consumer complaint received 2016-07-28
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TN)

My home mortgage closing is pending. Wells Fargo has known about the closing date for over six weeks. I signed a XXXX twice for the loan consultant and loan doc specialist to obtain the tax transcript from the IRS. Our closing was set for XXXX/XXXX/16. On XXXX/XXXX/16, our loan consultant informed us that Wells Fargo failed to obtain the correct form from the IRS. She could not get approval to close the loan without it. She had no idea when she might receive the form from the IRS. We have already closed on the sale of our former home. and our living in temporary housing. We had to cancel the movers. We do not know when to reschedule the movers. We are paying penalties for the temporary housing as well as the cancellation fees. I had to reschedule utility hookups, but I do not know when a date to reschedule them. This is a horrible experience, and I will never recommend Wells Fargo to anyone. So far, this has cost my family an extra {$2000.00} to cover living, deposits, and cancellation fees. To make matters worse, she blamed it on the VA and the IRS. Both agencies told me that it is a Wells Fargo requirement to only accept the tax transcript directly from the IRS. It is clear that the loan consultant and loan doc person failed to review the file in a timely manner even though we submitted the correct form weeks ago. I suppose this is a customer service complaint instead of a legal issue, but I will also send it directly to Wells. I have several suggestions for better service from Wells. 
1. Review the document file several times. 
2. Notify the buyer well before closing that something is missing. 
3. Accept the tax transcript from the buyer. I downloaded it directly from the IRS website and received it in minutes. I could actually drive to their office and download it for them, but they will not even return my calls. I am not sure why they can not request it electronically. So, we are out of money and still have not closed on our house because of one form that I was able to obtain in minutes, but Wells can not seem to get in weeks.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC (VT)

When my husband and I tried to rent a home, we found out there was a debt on my credit report owed to a collection agency called Source Receivables Management. The debt was for a company called XXXX. I have never had a XXXX account. I called the collection agency and asked them to send me proof that the debt was mine. I did not get anything. I disputed the error with all XXXX credit bureaus. According to the bureaus, the collection agency verified that the debt was mine. I do not see how they could because I have never ever done business with XXXX. I called XXXX. They said I had to call the collection agency back. I called them. Some lady names XXXX said she was mailing a fraud packet. When I got it, it asked me to furnish a lot of documents I do not have. For example, they wanted a copy of my driver 's license. I do not have one because I am XXXX and can XXXX XXXX. I have been XXXX since my early teens and have never had a license. I called the collection agency and explained that. They said then that they needed a copy of my passport. I do not have one. I explained that because I am XXXX, I do not work and can not afford to get a passport. Then, they said they needed a photo id. I repeated that I do not have one because I do XXXX XXXX or work. Then, they said they could not help me and hung up on me!!!!!! I need this off my credit report so we can get low income housing apporved. Help.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I have send Equifax several letters disputing inquiries that I did not authorize. For the following companies : 1. XXXX-XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX. 
The last letter send certified with tracking number XXXX in which was received XXXX XXXX by Equifax and they have ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (SC)

Hello, I opened a checking account online with TD Bank ( This is the first and the only account with this bank ), the next day XXXX/XXXX/2016 I stopped by the branch in my town and made a check deposit for {$5000.00} to the account. 
Today is XXXX/XXXX/2016 and I still do n't see the money in my account even though it is showing that the money already been released from the other bank. 
what I see is only a {$100.00} available, when I logged in to my account on Sunday the XXXX/XXXX/2016 I saw they put ( Pending - {$9700.00} ) on the account, and when I called their customer service, the lady told me that they put a DOUBLE HOLDING on the amount of the check, and claimed it was a mistake, and took her around 20 minutes to fix that mistake. 
when I called their customer service on XXXX/XXXX/2016 they told me that they can hold the money up to 12 day, then I called again and spoke with a supervisor and she told me they can hold it up to 8 days. 
My concern is about all that process they doing with holding the money that long, is it legal? 
* The check amount is {$5000.00}. 
* The post a double holding on it. 
*It passed 3 days since the deposit date, and the supervisor told me that I need to wait 5 more days. 
*everyone in their office telling different info ( some saying they can hold it up to 12 days, other say up to 8 days ). 
If you can advice me what to in this case to protect my money, I will be thankful. 
Best Regards
Consumer complaint received 2016-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

Student loan processor ( Heartland/ECSI ) charging RIDICULOUS fees. As much, or greater than XXXX % fee PER PAYMENT on debit cards. Most banks will either not charge processing fees for debit transactions, or charge a VERY VERY small one ( as per Dodd-Frank legislation that passed a while back ) so this is an additional XXXX % ( or more - see attached evidence ) interest burden tacked onto an already burdened population of student loan repayers. For some, who choose not to give these crooks direct access to their bank account, there is no alternative aside from a debit card in order to pay. This additional & gt ; 6 % is just an atrocious fee. Especially when 6 months ago it was not in existence. There was no notice provided by the company, and aside from providing direct access to my bank account, there is no alternative to pay without a fee on debit just like ALL of my other loan processor. Granted, there are only XXXX others that I deal with, however, their practices are MUCH more palatable to the consumer- it is quite apparent that they are providing a service, as opposed to sticking it to their customers for financial gain.
Consumer complaint received 2016-06-26
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

ON XXXX/XXXX/16 MIDWEST RECOVERY SYSTEMS SUBMITTED A DEROGATORY ENTRY ON MY CREDIT REPORT FOR XXXX $ BUT AFTER A COMPLAINT TO THE ( CFPB ) THE ORIGINAL CREDITOR [ XXXX XXXX XXXX XXXX ] RECALLED THE DEBT FROM THEM AND THE DEBT WAS FORGIVEN FOR XXXX $ ACCORDING TO XXXX XXXX XXXX RESPONSE ON XXXX/XXXX/16 .THAT IS A + DIFFERENCE OF XXXX DOLLARS THAT MIDWESTERN RECOVERY SYSTEMS TRIED TO EXTRACT FROM ME ILLEGALLY.I DEMAND THAT MIDWESTERN REMOVE THE NEGATIVE ENTRY ON MY CREDIT REPORT BECAUSE THEY NO LONGER HAVE THE AUTHORITY OR PERMISSION TO ACCESS MY CREDIT REPORT FOR ANY REASON DUE TO THIS DEBT BEING RECALLED FROM MIDWESTERN RECOVERY SYSTEMS AND FORGIVEN.
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

1st Call : on XXXX/XXXX/2016 at XXXX - I received a call from Wells Fargo Mortgage Company, at which time I identified myself and advised that I will be making a payment on Friday XXXX/XXXX/2016, for my past due of {$760.00}. 
2nd Call : on XXXX/XXXX/2016 at XXXX - I received a 2nd call from Wells Fargo Mortgage Company, at which time I identified myself again " This is ... .... '', I advised that I had already spoke with someone, and that the Representative had a right party contact. I told the representative not to call back, she then stated " we 're going to call you back again '' I said what did you stay and she repeated her threat " we 're going to call you back again '' I told her she had better not. I hung up ... 
3rd Call ... 
On XXXX/XXXX/2016 at XXXX - I received a 3rd call from Wells Fargo Home Mortgage I identified myself again " This is ... .. '', I asked to Representative to let me speak with a Supervisor. The Representative put " XXXX XXXX " on the line, she identified herself as a Supervisor. I told her that this is the 3rd call and advised her of what the last representative threaten the Well Fargo would be calling me back a 3rd time. The representative did not remove me from the dialing system to discontinue calls for that day. I told the Supervisor, this is Harassment, they should have not called me back after they had spoken with me on the 1st call. I advise the Supervisor that I would be filing a complaint for Harassment.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MI)

I received notice from General Revenue Corporation that I owed a debt to XXXX University. I advised General Revenue Corporation that I dispute the debt and do not owe this money. I also advised them to validate the debt or cease collection efforts until it is validated.I further contacted XXXX University and requested debt validation. Neither company has responded to the validation request and have continued to allow this erroneous debt to remain on my credit bureau reports. I have filed further complaints in regard to the university with the Federal Aid organization, the FTC, and the XXXX. I do not owe this debt to XXXX or to General Revenue Corporation. I insist this item be completely removed from my credit report immediately and collection actions are to cease. This debt is a result of XXXX certifying eligibility for financial aid then returning the grant and erroneously billing my account for balances incurred AFTER I was notified of the error and withdrew from the school. Falsely certifying financial aid eligibility, retracting it and billing students is against federal law. I have filed complaints with the appropriate agencies.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (SD)

When I made my purchases with best buy the customer service representatives never said anything about having a deferred interest promotion all they said was 12 months interest free ... NOTHING WAS EXPLAINED OR SHOWN TO ME ABOUT DEFERRED INTEREST!! I feel completely taken advantage of and abused by this bank because I have large payments I ca n't afford and did n't plan on having on my account. I want at least some of the interest waived and a payment plan that will help me get this account paid down or I will continue complaining to every agency I can find
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (AL)

I spoke to best buy credit card services. I always set up payment arrangement and tell them my financial problems. I 'm current on this account until next month. They closed my account and said they have a problem with me. The customer service representative i spoke to was so rude and told me that if i paid my account on time and not be like the rest of the world ; my account would n't be closed. I told him i wanted to speak to a supervisor and he hung up. This company is very rude. Well Citi Bank is who lends to Best Buy.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$53.00}
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I called Navient in hopes of discussing lowering my interest rate, understanding why there was a sudden increase in my monthly bill, and why after years of no missed payments my total amount owed appears to not be decreasing. When I called to discuss the matter they refused to answer any questions about the increase or discuss lowering the interest rate. Instead, they tried to talk me into deferring my loan even though I reiterated the issue was not in making the monthly payments, but in how the money was being applied. After three years of missing no payments, my loan is nearly double the amount it was when it was started, and if they will not even discuss the matter of the 8 % daily interest, it will never be payed, no matter how long I continue submit timely payments.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I 've disputed this public record account with Transunions 3 times certified in which I requested validation of proof, of this public record account. On XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX/XXXX/2016 transunion constantly sends me a credit report that states " verified '' attached is the letter requesting validation of proof 3 times. I mailed each letter certified each time I receive a credit report that states " no change verified ''. I 'M requesting validation of proof on letterhead of the person that verified this public record. NOT a credit report stating " NO CHANGE VERIFIED. I attached a letter from the federal courts showing they did not verify this account transunion is the only credit bureau giving me a hard time to delete this account. The account number with transunion for this dispute is XXXX
Consumer complaint received 2016-06-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, American express savings only covers liability up to {$50.00}. 

How secure is the American Express Personal Savings site? 
At American Express we want you to be safe and secure when you bank with us online or by mobile device. 
If you tell us within two ( 2 ) business days after you learn of the loss or theft of your account access information or mobile device, your liability is limited to {$50.00} if someone should access your account without your authorization. Immediately report any unauthorized transaction to us at XXXX.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc. (TX)

In XX/XX/2016, I called and spoke to XXXX and then to XXXX at Merchant Professional Bureau regarding my complaint of their agencies reporting tactics. More importantly, the incorrect information that has been on record from the original medical provider. 
First off, there was the issue of duplicate bad debt reporting from MPB for same date of service, same amount, etc. This was acknowledged and then recognized by XXXX and removed as promised. However, it still left the one debt and I raised issue with the fact that I felt certain the provider was 'punishing ' me for refusal to pay their charges. This is unethical. 
On the date of service, I went in to the XXXX clinic after I had set the appointment and insured that when I set the appointment, I did not want to pay for unnecessary XXXX or XXXX testing or diagnostic procedures since I already knew my condition and what I was suffering with. I simply needed meds to alleviate the discomfort of severe XXXX and XXXX. I have been tested many times over the years. 
Once there, I was given an XXXX and again stated to them that " I did not want anything done that the insurance would not pay at 100 %. Well, I got a bill two months later stating that I owed {$340.00} for services rendered. 
On XX/XX/2016, I sent a formal dispute to MPB and to the attention of XXXX. I have since not heard anything form them but that this debt was removed from XXXX of the XXXX bureaus. I need for the collection agency to remove this entirely and in good faith instead of digging in and appeasing the service provider for unethical business practices.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Credit Karma (WA)

I was never informed that I have a mortgage and a car payment in my name when it would have been absolutely impossible for me to obtained either of those things considering my situation. However, when I attempted to log into my Credit Karma account those very things are the reason that I can not access my credit through their company. I informed them of this and made reference to how my statement/ defense of my credit could be verified and I have run into a brick wall. That person with those things acquired in my name has ownership of my life and my rights to the extremity that I have no access to something as basic and simple as my own credit information. There 's nothing I can do and nothing that is going to be done to help me. I am trapped.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (VA)

Good morning, I am one of PNC Bank 's Customers. I had a problem with PNC Bank ATM at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on 0XX/XX/XXXX. I tried to withdraw monies {$500.00} from the ATM, however the monies did n't dispense and my account was debited. On the screen of ATM said that my monies got retained. I called customer service, his name is XXXX, he told me that he filed the dispute and refund or credit my monies {$500.00} back at that time or the latest was the day after the incident. 
The next day, XXXX/XXXX/XXXX, I still did n't see the monies, I chatted with online customer service, her name is XXXX. She said that XXXX did n't file the dispute and she needed to file my dispute in order for me to get my monies back. XXXX did n't file the dispute either and somebody ( XXXX XXXX, customer service manager called and I told her everything. She filed the dispute on behalf of me. I did n't understand how bad the services from PNC Bank. My frustration has increased as I went to the branch directly where the ATM had a problem. I talked to branch manager XXXX XXXX XXXX, she told me that there 's nothing she can do to solve the problem as I have to wait for 10-45 business days to get my monies back otherwise I have to wait 45 business days per XXXX to get my monies back. I told her that I am a customer with other banks as well, when I had this issue, the other banks refunded my monies back right away ( at that same day ). I contacted the online customer service today XX/XX/XXXX for some information of PNC Bank 's President Director. XXXX, customer service online did n't want to give it to me instead telling me to wait for 10-45 business days. 
It 's really ridiculous. I do n't think this is a good service from the bank and the bank has violated my right. 
Please escalate this problem as soon as possible and have the bank refund the monies and all compensation that I have been through. 

Thanks