davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was closing on the refinance New penn told us to close certain credit cards when we stating they didnt tell us we signed the initial documents and showing what was being paid off.New Penn double charged me for the appraisal fees when I provided proof showing that I paid my appraisal fee with different lender they still charged we were told that we are going get our money back.New penn financial should not have close credit accounts if the loan was not approved.This has been the worst experience applying for a loan they ask me provide divorce decree for something happened back in 2004 it doesnt have anything to do with current lender.They prolonged the closing date 3 times because they didnt verify documents. I am asking for my {$600.00} appraisal fee back, also the extra mo
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

In fall of last year I opened a Citigold checking account with a promotional offer to earn XXXX XXXX XXXX miles. I met the terms of the offer but the XXXX bonus miles never posted. Citi continued deduct the $ 30 monthly checking account fees ( which they require until the bonus is paid out ). I contacted XXXX inquiring why my bonus miles never posted. They responded back that I had qualified for and had met the terms of the offer and they only needed my XXXX account number to credit the miles. I provided the XXXX account number and continued to wait, paying more exorbitant $ XXXX monthly checking account fees. I recently got another letter now stating they would not honor the promotion, claiming I was not targeted for the offer. Citi is well known for extending citigold offers to customers to entice them into paying exorbitant checking account fees and ultimately dragging their feet on honoring the promotion while collecting more fees. I have asked Citi to honor the XXXX bonus, but they have essentially told me to pound sand. If they would not honor the promotion I requested they refund the {$90.00} in checking account fees they extorted from me during this process. They also refused to do this. I have closed my account to avoid further fees.
Consumer complaint received 2017-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (FL)

I opened credit account with XXXX XXXX on XX/XX/XXXX. The agreement was to pay the balance of {$2000.00} with at least a  minimum of {$110.00} a month. Logged in to their online portal to make the payment, used my debit card at the time to make the first monthly payment on XX/XX/XXXX of {$110.00}. The online portal accepted my payment and it was deducted directly from my personal checking account. I have copies of my bank statements to prove this. I noticed that although the money was withdrawn from my account, the balance owed on the account remained the same. 

I called the company and they said to give it time to clear and it can take up to 3 days to clear. Waited for the 3 days, again same response. The following month, made the payment on XX/XX/XXXX and XX/XX/XXXX for the same amounts of {$110.00}. My thought process was since it was a larger amount being paid off that the company would act faster. Made no difference, called about the payments not being reflected in the balance, they said that it takes time to clear to check back in a few days. The following month, tried one last time and it went through. But they were unable to account for the other three payments made and did not reimburse or apply it to balance even after it was deducted from my checking account. Since I did not continue to pay as they would not credit account for other three payments, they sent my account into collections. 

Now two years later, I am in the process of cleaning up my accounts and have disputed this twice with all three credit bureaus, with proof of bank statements where credit card companies can verify my personal data and XXXX  XXXX keeps claiming that the account is being reported correctly. Their last " confirmed '' payment date on file is on XX/XX/XXXX. They sent dates to the credit bureaus showing monthly balances, but have only shown dates within the last year and not the dates where the bank statement shows I made the payments. I need help clarifying this matter and updating my account to reflect the correct balance. As a consumer making responsible on-time payments, I was treated unfairly and am offended that I have not been helped with this matter despite reaching out several times to avoid being in this situation.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I closed my Chase mileage card last year. At the time the service rep told me the annual member fee will be refunded, and I have no other balance on the card. I did not hear from Chase until earlier this year. I got a letter from Chase saying that my account was in significant delinquency, and was about to be charged off. 
After receiving the letter I called Chase, the service rep was able to see that the membership fee never got refunded, and meanwhile late payment fees was incurring. The service rep then told me that he would clear the account and also contact credit agencies. 
I check my credit score this morning ( a few months after the call ), the entry from Chase is still on my credit report. I call Chase and they told me they have to open another investigation for this matter. It seems like nothing gets done and meanwhile my credit score took a big hit. I am very disappointed in Chase.
Consumer complaint received 2016-04-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NJ)

I am currently XXXX to the XXXX XXXX, I fell behind on mortgage payments, Internet services are not always available. I 've reached out to the bank several times to see what options were available to me to no avail. My credit score is dropping dramaticly. I finally was able to make a call and speak with someone. I asked what my options are and she told me that I would have to fill out, scan, fax all this paperwork to her to see ; otherwise there is nothing they can do for me. I explained my situation and how these resources are not readily available to me. She then told me that I should 've planned for this better. I did not / was not even going to entertain that ignorance. I asked if they could temporarily suspend reporting any further deliquencies to the credit bureaus until I return XXXX XX/XX/XXXX/XX/XX/XXXX. She responded " no ''. I asked her if I paid the past due amount right now in full on the phone could they waive the late fees & corporate fees as well as delete the derogatory and late payments from my credit report. She responded with " we do n't do that ''. Up until my XXXX I was in good standing with my mortgage payment, never have been late. I have been working hard to reestablish my credit from my divorce a few years ago ; I involuntarily XXXX to serve my country, leaving my kids behind for less money and to try and deal with this. I am willing to work with the bank but they are not willing to work with me. I know I am protected to a certain extent under the SCRA and they ca n't start foreclosure proceedings for a certain amount amount of time. All this has just added unnecessary stress ; stress that I have absolutley no control over. I am seeking help from CFPB to see if there is anything they can do for me.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (IL)

Barclaycard is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. Barclay continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with Barclaycard.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Barclay provide me with competent evidence that I have any legal obligation to pay you. Barclaycard is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Consumer complaint received 2017-11-14
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 (GA)

My Bank of America credit card information was stolen and I do n't know when. But my card was charged overseas in the amount of {$60000.00} plus starting in XXXX, 2016. I have been talking with BOA since then and at first they credited my account but then they said I have to pay these charges. I have never been to these countries in my life so I am not sure how this information was stolen. I have all my corespondence with BOA and was wondering if you can guide me in some direction.
Consumer complaint received 2018-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Seven checks were forged on my account. Two were cashed and then the funds returned for insufficient funds. Three more were returned for insufficient funds and I was charged for bounced checks. Two more were cashed and I have not been able to recover the funds. The total amount stolen from me was {$17000.00}. Of that {$11000.00} was returned because of the insufficient funds.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MO)

On XXXX XXXX i received a flyer to my address from XXXX with the advertisement of XXXX $ bonus offer for opening a checking account after completing XXXX $ recurring direct deposits with in 60 days of the account opening. 
The flyer did not mention what qualifies as direct deposit anywhere, and US bank has failed to send me the proof that they did communicate to me the specifics of what qualifies as direct deposits when i called them about the bonus at the time of account opening. 

I opened my Us bank checking account around XXXX/XXXX/XXXX and I completed XXXX $ recurring direct deposits requirements on the following dates. On XXXX/XXXX/XXXX for the amount of XXXX XXXX and on XXXX/XXXX/XXXX for the amount of XXXX $ and on XXXX/XXXX/XXXX for the amount of XXXX $ and I emailed Us bank asking about about the bonus. 
Someone named XXXX from us bank customer service confirmed that the bonus code was attached to my account and asked me send a copy of the flyer, which i scanned and uploaded. After few days i again emailed her asking for the update, this time she said that she received the copy of the flyer targetted to my address but my account needs to be reviewed by a senior banker for the bonus. 

A week after my initial email they got back to me saying they can not give me bonus because i have not made 'qualifying direct deposits '. 

I did what XXXX advertised nothing less. If they did not specify on the flyer what qualifies for them as direct deposit then its indeed false advertising and fraud. 

I bank with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they consider my direct deposits as qualifying therefore i was confident my direct deposits qualify here as well but Us bank not only 'omitted ' specifying what qualifies as direct deposit on their flyer, they also are refusing to furnish proof that they communicated this to me at the time of account opening. 
I feel therefore i am eligible for the bonus that was advertised on the flyer that was targetted to my address and I humbly request CFPB to act on my behalf in helping me obtain the Bonus from US BANK for completing the requirements as specified on the flyer that i i received from US BANK. I have attached with this complaint the following pdf documents.
1. Copy of the flyer front and back with the terms and details.
2. My us bank direct deposits transaction history showing my 3 direct deposits above XXXX {$3.00} my correspondence with XXXX from us  bank customer service department. 

Please do the needful Thank you XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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: CITIBANK, N.A. (PA)

I contacted citicards on XX/XX/XXXX to file a dispute over receiving a ring that was not what I ordered. They requested that I outreach to 2 different # s that they had for the merchant, which I did with no success. I also attempted to reach out via the website that I ordered from but the website was taken down & via another platform w/no response. I again contacted Citicards to file my dispute on XX/XX/XXXX. I did not receive any correspondence from Citicards requesting any additional information from me ( I have attached a picture of my inbox as it says messages are held for 1 year ). 

On XX/XX/XXXX, I get an email telling me that my dispute was resolved and they sided w/the company, who sent a picture stating my package was delivered. This was never in question. My issue was that I received something that I did not pay for. They then requested that I send in what I got vs what I ordered or proof that I attempted to return it but requested that no pictures be sent in. How am I supposed to prove something if I can not send in pictures ( Letter attached ). 

I ended up composing a PDF document with everything they requested and sent it on XX/XX/XXXX ( This is attached ). They sent me a letter on XX/XX/XXXX stating that they had previously requested this information and it was not sent in therefore my dispute was closed. However this is completely untrue. I was never sent any letter either by mail or electronically requesting additional information. Even if this was true, the most recent letter from XX/XX/XXXX, regarding my dispute requested this info, which I sent. I expressed my frustration as I was attempting to contact them via phone but their system kept hanging up on me and I informed them that I would be contacting CFPB. 

Citicards never requested additional information from me asides that initial complaint on XX/XX/XXXX. I have attached a screenshot of my inbox as my correspondence is electronically and there is nothing there asides the letters I was sent informing me of my results and a letter from XX/XX/XXXX.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

The following transactions occurred : XXXX/XXXX/XXXX - {$290.00} XXXX/XXXX/XXXX - {$300.00} XXXX/XXXX/XXXX - {$300.00} These transactions were authorized to XXXX XXXX XXXX XXXX XXXX ), also dba XXXX XXXX XXXX XXXX to assist in reducing my Student Loans. I had been communicating with them on a regular basis until XXXX, XXXX. 
In XXXX XXXX, I stopped receiving communication from the merchant, but continued to try and reach them. As of this time they had not provided any of the services they had promised. I continued trying to reach them on a weekly basis with no success. 
On XXXX XXXX, XXXX, when I called the XXXX XXXX phone number, I received a phone recording stating that the XXXX XXXX had shut down the business due to fraudulent transactions and gave me a website to refer to. 

At that time I went in to my banking institution ; Wells Fargo Bank, and told them of the situation. The personal banker said that I would be able to receive that money back if I filed a dispute. He then dialed the number for me to do so. I spoke with a Representative from the XXXX XXXX XXXX XXXX, and she also told me that I would definitely be able to have that money reversed. However, it would take about 10 days. I filed the dispute and was expecting a full reversal of the charges based on what the personal banker AND the representative from the XXXX XXXX XXXX XXXX. told me. 
I heard nothing from Wells Fargo until receiving a letter from the Claims Assistance Center on XXXX/XXXX/XXXX stating that my claim had been denied and closed because the timeframe for requesting a refund with the merchant had expired. No one had ever told me of an expiration time. Both the personal banker and the representative from the XXXX XXXX XXXX XXXX. had told me I would not have a problem having that money put back into my account, and never once said anything about an expiration timeline. 

I have since called the Claims Assistance Center and talked to numerous people, ( who have all been extremely rude and very short with me ) about this and have been told there is no appeal process and they would not allow me to talk to anyone else regarding the matter. I was told by one representative that the claim was never even investigated because the time had expired to even file a claim. 
I feel that the time being expired is misrepresentation and deception on the part of Wells Fargo, and, if that is indeed their practice, why did the Personal Banker and the Representative from the Debit Card Claims Dept. who both knew the circumstances of the claim, not know that and tell me.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am complaining about XXXX XXXX/ChexSystems. OnXX/XX/XXXX I disputed some information with Chexsystems AND XXXX XXXX for what they reported me to ChexSystems and XXXX XXXX DID NOT respond to Chexsystems about my dispute. Again I filed with XXXX XXXX AND ChexSystems about my dispute. By the FCRA ChexSystems has 30 days to receive information from the institution of what I did wrong. XXXX XXXX  NEVER ended up writing to chexsystems and on XX/XX/XXXX since 30 days was on a Saturday Chexsystems REMOVED information from XXXX XXXX what they reported. 2 more extra months went by and on XX/XX/XXXX I get a letter from Chexsystems ( 3 months after ) that " since that time, the source of the information has certified that the information is accurate, therefor, it has been reinserted into your consumer file. BOTH companies are breaking the FCRA since XXXX XXXX DID NOT respond to me after I filed a dispute to them directly nor did they respond to Chexsystems. It was over 82 days when they reported my information back to chexsystems and they are now reporting it.
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

After receiving a credit alert about Capital One reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from Capital One and never even knew I was approved for the credit card. Capital One did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my XXXX XXXX credit report. After I called XXXX XXXX, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. XXXX XXXX said it might be a mistake by Capital One so I called them back and they confirmed it. I have a copy of the XXXX XXXX report showing this account was deleted by Capital One on XXXX/XXXX/17. Now it was reinserted illegally.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (GA)

I do NOT have a signed contract nor any contract with Target. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XX/XX/XXXX to XX/XX/XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact XXXX XXXX XXXX XXXX and assist with getting what they have been report unfairly, fair. Thank you