davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (GA)

My mother, XXXX XXXX, passed away XX/XX/XXXX. On her death, that property became mine. 

On XX/XX/XXXX, my mother got a Reverse Mortgage from Reverse Mortgage Funding, XXXX XXXX XXXX, XXXX, Texas XXXX.

We paid off the Reverse Mortgage on XX/XX/XXXX. On the payoff notice, there was a charge of {$450.00} for an appraisal. We have been told at least 3 times that we would be getting a copy of that appraisal. To this date, XX/XX/XXXX, we have not received a copy of that appraisal, leading us to believe the appraisal was never done. 

This is the email I sent to Reverse Mortgage Funding on XX/XX/XXXX : " We have been trying to get a copy of the appraisal for my house at XXXX XXXX XXXX XXXX XXXX AZ XXXX for about a month now. Somewhere around Wednesday, XX/XX/XXXX, I called to ask for a copy of the appraisal that supposedly was done on XX/XX/XXXX. She said she would get that out to me right away. What was sent to me was the original appraisal done in XXXX. I specifically asked for the one done XX/XX/XXXX. I didn't ask for or need the XXXX appraisal. It is no use at all to me. 
Wednesday, XX/XX/XXXX, I called and talked to a woman again about getting that XX/XX/XXXX appraisal. She said we would get a copy of it in 1 or 2 days. This is the 3rd day. We got a Priority Mail package this morning, but again, there was no copy of the appraisal. All we got was the attached document which had several errors. 
In that letter on page one, it says : " On XX/XX/XXXX, the appraisal was downgraded to a drive-by appraisal because the point of contact refused to allow the appraiser access to the property because an appraisal was already completed by the Estate. '' That did not happen. We were there waiting for the appraiser to do the appraisal. There was someone there all day. No one ever came. 
On page 2, the letter also says ; " On XX/XX/XXXX, when you called to inquire about the securing of the property, you were not yet authorized on the account to receive account-specific information. It was not until XX/XX/XXXX, that we received the Grantee-Beneficiary Deed indicating that you are the Grantee-Beneficiary ... '' That also was very frustrating to me. I had emailed the documents 2 times ( see emails XX/XX/XXXX & XXXX, XXXX ) before I left XXXX on XX/XX/XXXX, before they eventually saw that I was authorized. Just last Wednesday, XX/XX/XXXX when I called, I had to get through 2 people  saying I was not authorized. The third person saw that I am authorized. She is the one that said I will have the appraisal in 1 or 2 days. That time has expired. The letter did not contain any appraisal again, as noted above. 
Since Reverse Mortgage Funding seems so reluctant to send us that appraisal, we can only conclude that no appraisal at all was done. We are now asking you to refund the entire {$450.00}. ''
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (AZ)

I opened my account with Moneylion to set up direct deposit and take advantage of their pave the wage promotion. It required direct deposit within the month of XXXX which was made by my employer. Moneylion 's system does not differentiate between an ACH credit/transfer and a payroll deposit which caused their system not to recognize my direct deposits for 3 months now. They also offer a service called instacash where with payroll deposit you can get a payday advance of {$250.00} as long as your payroll deposits are {$250.00} or more. I have not been able to take advantage of this feature due to this issue and this is unfair as other customers have. Because of all the issues they are having they have removed this feature within the last 30 days to correct and relaunch. I have chatted when that was an available option, emailed and spoken to their agents over the phone for over 2 weeks with no resolution. I am also unable to contact my financial institution immediately in the event of fraud or lost/stolen cards. I submitted that as a problem as well two weeks ago with zero resolution. I spoke with XXXX in the complaints department ticket XXXX and sent screenshots showing I had no option to report my card lost/stolen immediately. On XX/XX/15 there was an issue with debit cards and they do not have an instant transfer option so I was unable to withdraw funds or transfer them to my XXXX account in order to avoid overdraft charges and Moneylion is unwilling to refund those fees they caused. The only option was ACH transfer which they claim is 1-2 business days. With any issue on my account I have to submit a help ticket and wait 48 hours for a response only to have to set up a callback for the next day. They have escalated my issue multiple times with zero resolution. I transferred funds again on Friday and they were not placed in my account until today. I am very displeased with the lack of service provided by this financial institution. I also am unable to see my statements online due to an error in the app and there is no running balance.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

There are also fees that are not consistent on each set of statements as well. 

I would like to take legal action on this matter. I am CERTAIN that this issue goes back for years as I have been disputing Wells Fargo since XX/XX/XXXX.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (WI)

I opened up a credit card with Synchrony Bank and was giving a {$200.00} credit limit. I used my card for the first time on XXXX and contacted the customer service office to verify my billing date and when the balance would be reported to the credit bureau. The women I spoke to informed me that even though my balance was due every XXXX of the month, I did not have to make a payment until XX/XX/XXXX not XX/XX/XXXX. I asked her several times for confirmation being that I am in the process of purchasing a home and rebuilding my credit. She confirmed that the balance would not report until after XX/XX/XXXX. Today XX/XX/2019 I receive an alert from my credit monitoring sites that {$170.00} was reported to my credit report, which dropped my score 17 pts. I immediately called the and spoke to XXXX batch # XXXX who was unable to help me. I asked to speak to someone in the united states and spoke to XXXX batch XXXX who was apologized for the error but said there was nothing she could do. I then spoke to XXXX a customer service manager, who said he also apologized for the error but there was nothing he could due. I asked to speak to his manager and he said there was not anyone available. I am in the process of purchasing my home and this is not our error. if they can pleasssssse listen to the conversation on the XXXX it confirmed the incorrect information giving to me. My balance should reflect {$0.00}. We are not going to be able to purchase our home because of this company. This card is a ripoff and ruining people life 's due to their error.
Consumer complaint received 2019-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XXXX XX/XX/2019 a mobile deposit was made to my secured credit card with Wells Fargo Bank, in the amount of {$530.00} and change. On XXXX XX/XX/2019 the money was made available to my card, ( card number not available to me as it was reported lost by me on XXXX XX/XX/2019. On XXXX XX/XX/2019, Wells Fargo bank did not report to me that the money was returned, UNPAID! The mobile deposit was paid by a friends sister. I found out the money was returned by looking at my online account and noticed my account closed. That the balance due is over {$850.00}. My secured credit card has an available balance of just {$300.00}. When the mobile deposit was made on XXXX XXXX, the money sent, {$530.00} and change paid off the entire balance due! When the {$300.00} became available to me on XXXX XXXX, I spent {$280.00} plus ATM charges and advanced payment charges, not yet told or shown on my online account. So, how in the world is Wells Fargo bank, holding me liable, closing my secured credit card and ruining my chances of increasing my credit score by making on time payment and closing the card. Why am I liable for the {$530.00} in returned GOOD FUNDS. A mobile deposit can not be made unless the funds are available and are instantly sent! This is the third time Wells Fargo bank has done this to me! I want my secured credit card account re opened. I want the {$530.00} taken off of my balance due immediately. The prior two times a mobile deposit was returned was in the amount of {$610.00}, twice, that I later, foolishly paid them. I also the amount of those two mobile deposits returned to my checking account with Wells Fargo. That's a total of {$1200.00} plus the most recent returned mobile deposit for {$530.00} returned to me immediately! Thank you. Wells Fargo bank is simply an organized crime syndicate stealing money from its own customers! The many lies told to me include by a woman in the executive office of credit cards on the phone lied and told me that the deposit was a " bad check "! If it were a bad check, why are they not doing a criminal investigation as required by law?
Consumer complaint received 2019-06-07
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: SYNCHRONY FINANCIAL (NH)

Hello, I filed a dispute with Synchrony Bank for a XXXX XXXX credit card statement item. I called ( I have the call recording ) as I had not received my new card. During that call, I asked about the status of my dispute. The agent on the phone told me my dispute was approved. 

Today, I receive a letter saying my claim was NOT approved, which is the opposite of what I was told over the phone. That is extremely dishonest. 

I expect them to pull the call and provide approval of the claim, as this is what they explicitly stated to me.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MI)

RE : AMEX account # XXXX XXXX XXXX I have been an American Express Card holder since XX/XX/XXXX ( nearly 50 yrs. ) and that will now end. 

American Express has breached their agreement with me, by discriminating against me, deliberately providing me with untruthful statements, and using a scheme which is known and approved by their CEO XXXX XXXX and board-members for the sole purpose to deter customers to contact them who have a complaint or who have been cheated by American Express. 

Facts : - For 50yrs.I have Never had a payment returned -Never violated anything in our agreement -American Express themselves consider me to have been an EXCELLENT customer One of the primary perks or features for American Express cardholders is the fact American Express credits the available balance immediately after a payment. They are one of the few who do this. XXXX is the other. It is the most courteous consumer benefit which separates American Express with most other banks. 
-I have always enjoyed this feature, many times if i needed to make a purchase above my current available credit and also take advantage of my rewards points. I could simply make the required payment amount and use the card for the purchase immediately. 
-On XX/XX/XXXX ; I made a payment for {$1900.00}, not a large amount of money. Immediately as it has always done, my available credit increased to reflect the payment amount. That being {$1900.00} ( credit limit is {$6000.00} ). 
-I then attempted to pay my ATT bill for {$950.00} and was declined. Soon after my available credit was removed. 
-Used the American Express Chat feature, spent over an hour hearing the AMEX rep. Lie to me time after time. Finally a supervisor came on and confirmed the information I was provided earlier was untruthful. 
-I attempted another payment for {$500.00} just to prove my account had been restricted. Again the payment was not credited. 
-Therefore I contacted my bank to make sure those payments are not honored, American Express I have recordings and copies of my chat conversations which will clearly confirm all my claims
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I was called by Jefferson Capital Systems , LLC, XXXX, for a debt for a XXXX account that I do not have. I have had a active XXXX account for the past 12 years and do not own anything on my account, and I am in good standing with XXXX. 

I informed them that the debt was not mine and that I was in good standing with XXXX, they tried to tell me I was in error, and tried to direct me to a 3rd party website to show me that I somehow owed XXXX. I offered to pull up my XXXX account but they insisted that I use their website. They then told me that this debt was from 3 years ago, but after I informed them that no changes were made to the account in that time frame, they changed their story and told me that this was a debt bought from another debt collector 3 years ago. They were not able to tell me when this debt was from, the account number, or what the original amount owed was. The rep would not give me any name except for 'XXXX ' and was very rude. He asked for a lot of my personal information that he should have had if this was my debt, but i did not tell him my social, or XXXX account number even though he asked for it.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I attempted to order my free annual credit report from Equifax. I had to make a few attempts because the website did not seem to be working correctly but I finally did make it to the validation page where there were 5 question that were not relevant to any business conducted by me, so I answered " none of the above '' to all 5 questions because that was the correct response. Upon submission, a web page displayed which informed me I would have to order the report by mail and provide certain documentation. I have ordered the report via mail and am waiting for it to arrive. This is not the first time this has happened with Equifax and it has never happened with XXXX or XXXX XXXX, which is why I decided to initiate this complaint. It seems to me that Equifax just tries to avoid providing a free report by making it cumbersome for the consumer. It even involves a postage expense.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I have been notified by XXXX XXXX XXXX  that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

As a follow up to CFPB Ref # XXXX. Wells Fargo is claiming that they did not send 30 day delinquency when in fact they sent my spouse a letter claiming they did report in error, which I will attach for review. CFPB case XXXX for XXXX XXXX XXXX. My credit score went down 15+ points to the error from Wells Fargo XXXX
Consumer complaint received 2019-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charlottesville Bureau of Credits, Inc (MD)

On XX/XX/2017 I had a scheduled appointment with my XXXX, I had previously had a XXXX XXXX done by her ( which that portion was paid in full ) and was going to get a XXXX  XXXX. 

I called three weeks prior and spoke to secretary ( I have names of everyone involved ) about my XXXX insurance changing from XXXX XXXX to XXXX XXXX and that I wanted to make sure that they accepted that insurance because if not I would have to cancel and get the XXXX  from a provider under my new insurance. I gave XXXX all of the information on the new XXXX   insurance and was contacted back and told yes I was covered and they accepted that insurance. 


The day that I went for the XXXX, I walked out to the desk as I have done at each and every appointment and secretary who was filling in for normal secretary told me that there was no bill left. Every time time prior to that I would have a procedure done and would pay right after. I have total prior to this have spent well over {$3000.00} at this location and have bank statements to prove, in addition my children and husband have been, my child had a XXXX XXXX   and I paid the remaining ( after what insurance was paying ) the same day. Fill in secretary said that she would let secretary know my concern and when she was back in the office she would give me a call. 


The very next week secretary did call me, she called to let me know that my insurance was not covered, that she goofed. She told me that she would speak to the XXXX and would return my call. I explained a XXXX with insurance through my new insurance was pennies compared. secretary called a couple days later and told me that they would charge me what I would have paid through the prior insurance, that being {$480.00} I told her that this was their fault and they should charge me what I would be charged through my new insurance because I would have simply gone somewhere else. Again she told me she would call me back. A week went by and she called back and left a voicemail that they would " take care of the bill '' Now it has gone to collection, on top of that they sent {$9.00} for my husband to collect under may name as well, which should not be a charge at all because all of our XXXX  and XXXX with the old insurance was all preventative and NEVER charged. They also had a credit under my children that they used for my husband that we NEVER knew about. 


On top off all of this I NEVER received a bill until I fought it with credit monitoring site and marked it as a dispute. Last week they creditor sent me the bills an everything. To say the least I am not happy. This is not ok. I would have never went back to her, I have ALWAYS paid every bill to her the day of service. 

Now they are trying to collect {$480.00} for what they say I owe, {$140.00} for collection fees, and my husbands {$9.00} which if we were told at the time and actually owed it we would have paid for my husbands bill.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian Credit.Reporting agency is reporting debt that has been resolved. The other credit bureaus do not include these accounts in my total debt. I have tried everything to fix this filing disputes etc. The debt they still include ... this was last updated by them XX/XX/XXXX XXXX XXXX   XXXX 2 accounts Experian will not remove XXXX-beginning with balanceXXXX This was settled and is XXXX $ XXXX-beginning with balance {$16000.00} This was settled and is XXXX $ XXXX balance XXXX this account is with a collections agency and payments have been made on time {$200.00} since XX/XX/XXXX All of these accounts show I have huge minimums due but Experian is the only one that reports this
Consumer complaint received 2019-06-07
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: PNC Bank N.A. (MI)

PNC Bank issued me a credit card, which I've had for years. They encourage online payments. In XXXX, they moved my payment due date forward from the XXXX to the XXXX. When I went to make my payment on the XXXX, it was then overdue and I was charged {$27.00} late fee. I was not notified of this change, I did not request it and because I only have occasion to go to the credit card payment portal on the XXXX of each month when I pay all my bills, I was not afforded the ability to adjust. Furthermore, I requested a refund of the late payment fee and was told I was only permitted one per year. This was manipulation on their part and I'm not alone. I've spoken to others to whom they did the same thing. I asked they waive the fee and they told me they didn't see it - although I could clearly see it on their payment portal for my account. And yet additionally, I tried to make next month 's payment, indicating on the built-in calendar that it should be deducted from my account on the XXXX and it was denied, stating I'd already made a payment. Therefore, I'm prevented from making a payment that would save me interest. Lastly, to talk to a representative you must give your name, your account number, the last four of your social and your teller PIN code. This is clearly a security risk.