davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Sir, Currently, I 'm living in abroad ( XXXX ) for a short period and moving to US soon. I was given understand that there are few credit card accounts are charged off and there are fraudulent transactions are appearing on the account statements. In this context, I tried to extract credit reports/statements from credit card reporting and monitoring agencies like TransUnion, XXXX etc from XXXX. Unfortunately, I 'm not able to access reports and it is showing up as 'location issue '. I 'm trying to access these reports from XXXX ( Abroad ) and it could be the reason for not getting these reports. As I 'm moving to XXXX soon, kindly send those Credit reports to the following address in USA as I need to fix this issue before arriving in to USA or to my e-mail ID : XXXXXXXXXXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXXXXXX
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

Attempted to cancel credit card and was given a constant run around. When asking to speak to a supervisor they told me he would call me back in 24 to 48 hours. When I said just cancel my card and they said the annual fee payment still had to paid but it would be refunded in 60 day via a check in the mail. The wait times were on the order of 30 to 45 minutes. This was the Citi Bank call center in XXXX, XXXX. After asking for the name of the agent I was then told they could send me a refund check in 2-3 days.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VA)

I 've been a Citi Thank you card member for 6 years. Over the years I rarely used the card due to many inconveniences with my online account and poor rewards program. I called Citi Cards back in XX/XX/XXXX attempting to give Citi another chance by converting my card to the XXXX card. I called in XX/XX/XXXX to get a status on the conversion and the agent told me the conversion took 45 days or so. Today is XX/XX/XXXX and I was told by Citi Customer service that there had been some sort of delay with no expectation on when the conversion was going to happen. The agent did not care for my frustration nor attempt to make things right. Both agents I spoke with seem flustered and not confident in their ability. Out of frustration I decided to close the card but I really thought they could give me a more positive response.
Consumer complaint received 2016-04-14
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (SC)

Shellpoint Mortgage Services XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over XXXX different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take XXXX4 days, then up to a week, then XXXX14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why Shellpoint Mortgage Services is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.
Consumer complaint received 2016-07-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

The debt collector leaves up to 4 voicemails a day stating that there is a lawsuit against us. When contacting they demand an address and social to serve us papers. They have stated that a case number will not be assigned until the papers are served which is false and misleading tactics. They make threats to call employers 100 's of times a day to get you fired and to call family members in a similar fashion until we settle with them or the family member pays the debt. The debt they are attempting to collect on has been paid for over 9 years and the account has been closed for the same amount of time. They ignore the cease and desist and have made threats to have someone waiting for us when we get home.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: AMERICAN EXPRESS COMPANY (FL)

American express serve allowed an unauthorized charge on my account and refused to released the funds once merchant confirmed it was not them of XXXX XXXX force me agaisnt my will to sign a settlement agreement than allowed unauthorized charges pending on my account i extend to sue of this intentional tort and american express serve refusing to follow bank protrocal
Consumer complaint received 2016-09-04
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

My mother passed away XXXX/XXXX/2016 and had a reverse mortgageon her house. My brother and I are the heirs of the house ( will ). Wells Fargo said it gives 180 days to settle the estate but can give extensions. The payoff to Wells Fargo is approx $ XXXX and the bank 's appraisal is $ XXXX so there is collateral. I have started the probate process and they told me it takes up to a year to complete but Wells Fargo will not take probate as an excuse to provide an extension. I have also started refinance procedures and I am trying to get a letter stating I am pre-approved but it to is slow. This is approximately 3 months after my mom 's passing not 6 months and the bank is starting foreclosure proceedings. Wells Fargo 's " Home Preservation Specialist '' is XXXX XXXX XXXX ext XXXX. I do n't know what to do, I have faxed a request for extension which was denied and filled probate and started re-finance. I even had the loan agent call but they said the executor the only one that can provide a third party to get information. Can you advise?
Consumer complaint received 2016-11-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I have had my mortgage with NavyFederal Credit Union for over 2 and a half years. The house I have a mortgage on is currently being rented because I live in another state. My tenant tends to pay after the XXXX of every month so because his payment is delayed, so is my payment to NFCU. It is quite aggravating that I am not able to make a payment on NFCU 's website if it is after the XXXX. I have to call-in every month that my tenant is late ; go through a whole list of repeat questions on why I 'm late and have to endure some person scolding me because it 's after the XXXX. I always consistently pay my mortgage within the same month so why do I have to go through the XXXX degree of getting lectured about paying my loan if I 'm still in the grace period? Also, why ca n't I just make my payment online if it 's still within the same month that the mortgage payment is due? There has to be some type of law against this. Previous to NFCU, I had my mortgage serviced with XXXX and they would encourage that you went online. It 's a complete waste of my time to have to wait on hold, answer a bunch of silly questions and then deal with the attitude of the person on the other line about why I 'm late. Especially when it 's only the XXXX of the month.
Consumer complaint received 2016-07-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Several attempts were made by me to request Validation of debt on XXXX accounts reported by Portfolio Recovery Associates. I have not denied debt rather requested Validation or removal from Credit Reporting Agencies. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. I find this in violation of the requirements of this agency and may others. They have not sent me a notice of right to dispute, nor have they sent me documentation to validate the alleged debt.
Consumer complaint received 2016-07-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (IL)

My American express XXXX for cash credit card got expired around XXXX 2015 and I updated my contact details accordingly in account. But still did n't receive my new card to perform transactions. On top of it still need to make payments. I keep calling them and almost called them 10 times to send my replacement card and requested to send tracking details. Neither they could deliver nor provided tracking number. But always asked me to call once notification email came from them. So I want to note a complaint and want necessary department take required action.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

( 1 ) A landlord requested my credit report and criminal background check through TransUnion SmartMove ( 2 ) TransUnion SmartMove instantaneously provided the prospective landlord with my credit report and criminal history through their online portal, based on the information I provided ( 3 ) On TransUnion 's website, the company will disclose the contents of the report to individuals who requests a copy of a report by calling customer service. ( See attached screenshot. ) ( 4 ) After calling customer service, providing extensive verifying information, I was told that I was required to email/fax a document with a photo ID and lots of personally-identifiable information to their processing center, and wait for a report to be /mailed/ within 30 days. 
( 5 ) I asked whether or not I could be provided with the report electronically, since I had already verified my identity. I explained that a ) I had no opportunity to review the report to ensure the validity of the data and b ) mailing the report seems peculiar for a service designed for individuals who are moving into new residences -- the address is likely to change soon. 
( 6 ) Customer service elevated me to the supervisor, who explained that this process was /mandated/ by the FCRA. This may be true, I am not a legal expert, but seems counterintuitive. 
( 7 ) No resolution.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (OR)

I signed up for and met the use requirements for a Frontier credit card with a bonus of XXXX miles. Barclay, the credit card company involved, sent a statement verifying I had met the purchases amount and was now eligible for the mileage. Multiple emails and phone calls have resulted in nothing but wasted time and frustration and the cost of multiple flights to care for my mother during her XXXX illness that would have been covered by the mileage if I had received it. I also contacted Barclay for help and they were only able to confirm my eligibility and refer me back to Frontier
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

In XXXX we refinanced our mortgage with JP Morgan Chase. At the time they were offering a XXXX % cash back program if you agreed to have your monthly mortgage payment withdrawn from your Chase checking account. We already had a checking account with Chase so we signed up. As promised, every year around XXXX we would receive our cash-back bonus deposited into our checking account that is until this year. In XXXX XXXX we sold our home and paid off our mortgage with Chase. At the time we had somewhere in the neighborhood of {$70.00} or {$80.00} in our cashback rewards account. After waiting for over 5 weeks I started trying to contact Chase through the secure message system online. Each time my message would not go through so I finally called them. The girl that I spoke with had me on hold for quite some time then indicated she needed to research the issue and call me back. She called back and indicated that since our mortgage was paid off we are not entitled to our cashback rewards. I was shocked, we upheld our end of the agreement guaranteeing them payment each month through automatic withdrawal so I asked her for a copy of the terms of the agreement that state we are not entitled to the cashback if the account is paid it full prior to the rewards anniversary date. She said that it was not included in the terms and conditions but if I disagreed with their position I could fax a letter to their research department. I will be faxing said a letter and in it I will again request a copy of the terms and conditions that state that I am not entitled to my cash back reward. I wanted to see if you had received any other complaints from consumers on this issue. I tried researching it on the internet but was unable to find anything specific to this issue.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I applied for citi gold checking account with XXXX promotion offer ( with offer code : XXXX ) in XXXX XXXX. I met all the requirements as per terms in XXXX, XXXX. I got confirmation both before and after application ( before : via phone in XXXX, after : via online chat ) that after I met all requirements and XXXX would post in 90 days ( in XXXX XXXX XXXX. However, the XXXX bonus XXXX did n't post after 90 days, and citi refused to honor the promotional offer when I contacted them back in XXXX XXXX. Worse still, the service fees that incurred during the 3-month waiting time was {$90.00} before I contacted them to downgrade my account. Citi, a bank that I once trusted and liked, not only failed to keep their promises, but also tricked me for the {$90.00} loss. I would like to have this issue resolved, or I would reconsider my business with this bank and let my friends and colleagues aware of this unpleasant and intolerable experience. PS : I did n't record the phone call, nor screenshot the online chat because I never thought this would be a problem. But I do believe that Citi can check out both the phone records and the online chat history on their discretion if neccessary.
Consumer complaint received 2016-07-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Concerning my note/ mortgage loan with Wells Fargo Home Mortgage , Upon careful examination of my loan documents I 've found many and various violations of the documents and regulations relating to the loan, and loan application as well as the commission of appraisal fraud. I would appreciate your help in this matter.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America found out I am refinancing my first and second mortgage with a mortgage company by receiving a payoff statement. They have added an " expedited payoff service fee '' of {$30.00} to each mortgage statement for my XXXX bill. I have not received any documents from the mortgage company or any other closing documents yet! Can Bank of America add this {$30.00} fee, now?
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I bought my house in XXXX XXXX, with an FHA program, it was financed with Bank or America ( not my choice ). XX/XX/XXXX BAC sold my mortgage to XXXX XXXX XXXX. In XXXX XXXX I received my statement from XXXX with a late charge of {$27.00}. I called XXXX and asked about this and was told by the consultant that it was a late charge from Bank of America. I have not had my mortgage with BAC for over a year. I am disputing this charge with XXXX in writing with a letter. I am disputing this charge with BAC through you. I have no date or explanation of this charge. I do not owe BAC anything.
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Below is an excerpt of a letter I sent to Bank of America on XXXX/XXXX/16. I got calls from them stating the issue is resolved and then I get dunning calls from them. They are ruining my credit in addition to other problems they have caused.I have answered their questions but still get dunning calls and letters that upset my wife tremendously. 
XXXX RE : Checking Account number : XXXX ( it is my BOA checking account number and the account data is correct as of now ), Please note : While reviewing my account on the website, I noticed a new account, for a credit card, a Visa for XXXX with a balance of about {$8.00}. It is showing as account # XXXX, Neither my wife nor I have ever requested such a card nor have we ever charged a penny on said bogus card, As this issue is causing my wife an incredible amount of consternation, we would appreciate if being cleared up ASAP. 
Many thanks from a 16 year customer, XXXX XXXX
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Recovery Group, Inc. (OR)

in XXXX a judgment was filed against me in XXXX XXXX Case # XXXX for {$12000.00}. Asset Systems has contracted with no less than XXXX attorney agencies to collect on this judgment. In XXXX I had no less than XXXX agencies garnishing my wages. Sometime during XXXX XXXX to date, Asset Systems was paid a total of {$7800.00} of the original debt filed against me in XXXX. Per a statement from XXXX XXXX w/Asset Systems on XXXX/XXXX/XXXX, they dropped the collection on this debt because they could n't not get their garnishment attempt in place because of the other creditors waiting with their Writs. The newest letter I received from XXXX XXXX XXXX, on behalf of Asset Systems has filed a claim that I owe a total of {$11000.00} on the original debt filed, again, back in XXXX under the garnishment case listed above. I have filed a complaint w/the AG 's office for Oregon. I will be filing a dispute w/XXXX on this demand for payment stating that Asset Systems, through previous garnishments have been more than paid for the debt they claimed on me since XXXX. Unfair collection practices is happening and I request that a full investigation be made on this case. I will be requesting from my current and previous employers, copies of all garnishment payments made to agencies under this case number. Once I have this information I will provide this to any agency proving payments made on this case since the date it was first filed.
Consumer complaint received 2016-07-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

In XXXX 2015 I received a promotional offer for credit card from TD Bank. Despite the fact that, I never missed any loan or credit card payment on time and that I had cash in the bank of about XXXX times the credit card limit, the crdedit card was denied. TD Bank then reported this to the credit agency seriously damaging my credit score. I am now at the point of asking for financling of new home and this action of TD Bank will make my credit more expensive. My request to the Bank for removal of the note from all credit agencies has been answered " the Bank is unable to retract the record ''
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have a Bank of America ( BOA ) credit card. I enrolled in BOA 's " e-Bills Automatic/Reccuring payments '' which automatically " Delivers the payment on the due date. '' The most recent payment due date was XXXX XXXX, 2016. I received confirmation that " The payment of {$250.00} will be delivered by XXXX/XXXX/2016 with confirmation number [ ... ] ''. BOA then processed my payment on XXXX XXXX, 2016, stating " This payment was transmitted electronically to Bank of America Credit Card on XXXX/XXXX/2016. '' However, BOA did not actually withdraw funds from my checking account until XXXX XXXX, 2016. As a result, BOA charged me a Late Payment Fee of {$25.00}.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (WA)

Seneca Mortgage has violated RESPA ( 12 U.S. Code 2605 ) by not responding to my Qualified Written Request ( QWR ). 

On or around XX/XX/XXXX I changed my homeowners insurance carrier and PAID IN FULL for the entire year to protect myself from Seneca since they have proven to be incompetent at best -- criminal at worst -- in how they " handle '' escrow. 

Seneca was sent multiple notices of the change via their online system, via fax, as well as a letter sent via USPS # XXXX, which they signed for on XXXX/XXXX/2016 ( attached, Exhibit A ). 

Seneca sent me a letter dated XXXX/XXXX/2016 ( attached, Exhibit B ) requesting a refund for any " unearned premium '' amount from the old carrier and in it made the following claim : " The replacement policy has been accepted and the premium amount, requested by the new carrier, has been disbursed from the escrow account. '' On XXXX/XXXX/2016 Seneca signed for my QWR ( attached, Exhibit C ) sent via USPS # XXXX which requested that Seneca provide written proof that the new carrier did in fact request a premium amount and also provide the amount of their claimed disbursement from my escrow account. The QWR also included a check for {$190.00} ( the amount I received from the old carrier ) which they deposited on XXXX/XXXX/2016 ( attached, Exhibit D ). 

12 U.S. Code 2605 ( e ) ( 1 ) ( A ) requires the Servicer to " acknowledging receipt of the correspondence within 5 [ business ] days. '' 12 U.S. Code 2605 ( e ) ( 2 ) requires the Servicer to " investigate, '' " correct '' if necessary, and provide a " written explanation or clarification '' to the Borrower " not later than 30 [ business ] days. '' As of today -- well over 30 business days -- Seneca has not responded to my QWR.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a complaint regarding a creditor who placed an excessive amount on my credit for utility service. The city of XXXX provided me with a letter contradicting the creditor and stating it was done to over several other people. all three credit bureaus despite the letter, continue to keep this on my credit.