davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX of 2018 I opened a checking account with Bank of America. I received a targeted promotion on my online credit card portal, which is what prompted me to sign-up for an account. If you met a minimum deposit amount within 90 days you received {$200.00}. 

I linked my direct deposit to this account, and qualified for the promotion. I knew the deposit of the bonus check would take time, so I waited for the sign-up bonus deposit. In XXXX of 2018 I called the Bank to inquire about my cash bonus. The representative told me that I had qualified and the funds would be deposited in my account within the terms of the agreement. ( which had not passed ) She said the bank still had time to deposit. I think it was 90 days, after you qualified. She was correct, so I said, " ok ''. At the end of XXXX I had not received the {$200.00} deposit into my bank account. I called them again, and the representative now said they could not find the promotion I was referring to. She escalated the issue, and said I would have a response within 30 days. Once the 30 days had passed, and I received no response I called them again. I talked with another representative, she said that the case was concluded, and I should have received a check. I specifically asked her if the case had been resolved, and what the decision was. She said " Yes '', " the conclusion was to issue your {$200.00} bonus ''. She instructed me to call another bank department because the 30 days had passed. This department would send the check. I called this number, this representative told me that I did not click on the proper link and that the bonus will not be paid. When in fact the way I signed up was through my credit card link, that said " sign up for {$200.00} ''. 

They have continually told me I was successful, but refuse to pay the bonus check.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (IL)

I called in late XX/XX/XXXX to ask the representative if there was a hardship program where I could defer some payments or lower my monthly payments. I was told no by a young lady. A few weeks later, XX/XX/XXXX, I missed my monthly payment for {$350.00} due to financial hardship and inability to pay. A few days later, a young man from the company called and told me that there is a program for financial hardship and the lowest payment is {$150.00} per month. At the time, I did not think I could commit to pay that amount so I declined to set up a payment plan. He said I could call back if I changed my mind. I did call back a few days later and spoke to a young woman and who helped me set up a payment plan for {$150.00} per month to begin with an initial payment on XX/XX/2019. I received email confirmation of this payment plan with the terms and payment dates beginning XX/XX/XXXX. Every day since then, Ive received 3-5 calls per day from the representatives in debt collection telling me that I owe {$150.00} per month beginning XX/XX/XXXX. Im unable to do that and it is not what I agreed to. The representative I spoke to on XX/XX/XXXX, a young man, told me that my payment plan would be cancelled if I did not pay by XX/XX/XXXX. I refused to pay because that was not what I agreed to and he refused to let me send him the email confirmation to show him proof that I did schedule it for first payment on XX/XX/XXXX. That was yesterday. They have already called me 5 times, 3 of those being today between the hours of XXXXam- XXXXam. This to me is harassment! They are also calling from a blocked number. I am annoyed and fed up with their unfair practices and it does not seem right that they set up terms of payment plan that they now deny! Please help.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened my account online with a promotion that stated that if i opened an account and deposited a minimum of {$50000.00} there would be a {$600.00} dollar promotional credit. 

I have contacted Citi multiple times and have not been given a clear answer as to when i should expect the {$600.00} dollars to be credited.
Consumer complaint received 2019-02-26
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: EQUIFAX, INC. (GA)

There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( Equifax ) Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX   & XXXX ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & XXXX ) Inquiries : XXXX XXXX  XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Today, XX/XX/2019, I tried to call my bank ( Bank of America ) to request they give a new card because I stupidly made the mistake of sharing my information with a guy so he can deposit money. I called the bank at least 7 times and they only picked up twice. I am XXXX years old and open the account with an adult after I recieved my first card a app charged me multiple times so the bank send a new one, the second time was for the same reason. I literally just got this card and I put XXXX dollars in it because my account had been below XXXX because I'm out of a job. So those could be the reasons but they wouldn't tell me. Now I previously said I shared my information so someone I know can make a deposit but was smart and sent my XXXX $ to my friend just in case this person was a scam. When I realized that said person was causing me trouble that's when I called and found out my account was close. Which sucks because Bank Of America is my favorite bank and i wanted to be with them forever. I want to reopen my account and change my information so this person doesnt have access to it but I cant do that unless the bank reopens my account.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patenaude & Felix A Professional Corporation (OR)

I have tried to verify the debt by asking for the contract and signature to verify if the debt is mine, they sent a credit card statement and nothing else. I have sent XXXX letter to them asking to verify the debt and they didnt respond instead they are trying to sue with out even showing the debt is mine. I have try to offer a settlement even though they cant prove the debt is actually mine and there is again NO RESPONSE.
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I submitted for my repayment plan to be from Income Drive Repayment to Extended Graduate Fixed on XX/XX/XXXX. On that day, I called in and I was told that it would take 10 business days to process. That time passed so I called in again on Thursday, XX/XX/XXXX, I called in again and I was told the repayment would be processed by Tuesday, XX/XX/XXXX. On the XXXX, I called in again and I talked to XXXX - ID XXXX and he told me my plan would be changed start XX/XX/XXXX for {$310.00}. I asked him to send me written confirmation and he said it would be sent that night or the next day. I expressed to XXXX that I did not feel comfortable leaving the call until I received written confirmation because it took me so long to get this information after being told different information on each call. He refused to send an email for written confirmation to me. I expressed again that I didn't feel comfortable leaving the call until I got that information and he said, " you can hold all day but you are not getting an email ''. I asked to be escalated to a manager which lead me to XXXX - ID XXXX. XXXX started with the call that I would not receive an email and if I wanted to wait on the call, she would just put me on hold and I would be forced to wait. I found XXXX who claims she was a supervisor at XX/XX/XXXX to be disrespectful, rude and not qualified for her position. Each time I tried to explain why I was looking for the written confirmation, she would speak over me. I asked why she kept speaking over me and she would not answer. Instead, she told me my request would never happen. I started trying to go into my detail about my position and XXXX hung up on me. 

I would like to report both employees, get written confirmation, and have both employees written up as well.
Consumer complaint received 2019-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (DC)

On XX/XX/ 2018, we made the initial payment on our auto loan from Ally in the amount of {$440.00}. We used our XXXX online bill payment service. Several days later we got an email from Ally saying our payment was past due. After calling them, we decided to pay the initial payment again and work on resolving the problem hoping to get a credit. We consulted with our bank, who provided a proof of payment letter for Ally, which we faxed to them, along with proof that we were the owners of the bank account. We have since talked to Ally on the phone, used their online chat, and sent faxes with the documentation of proof of payment and have been told that the situation would be rectified but to date nothing has happened.
Consumer complaint received 2019-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint is fraudulently reporting information to the IRS. Shellpoint is holding my mortgage payments in escrow without my permission. They are not applying payments to my principal or interest. Shellpoint sent me a XXXX for XXXX indicating that I only paid {$3900.00} in interest when in fact this amount should be closing to {$15000.00}. My principal loan amount is at least {$10000.00} higher than it should be. 
In addition, Shellpoint has recorded late fees on my mortgage month after month even though I have never paid a payment late. 
This all started with a Hurricane Irma Federal Forbearance plan. I was given the opportunity to skip payments in XXXX, and was told that the skipped payments would have no affect on my mortgage, my credit, and I would incur no late fees. Without my knowledge, Shellpoint begin the process of trying to modify my loan. I'm being forced into a loan modification. The loan modification documents that I was sent show a principal loan amount of {$390000.00}. The loan amount should be around {$380000.00}. The loan modification documents address that approximately {$26000.00} in mortgage payments are being held in escrow ; however, they do not address if and how the payments will be applied to my mortgage. 
To fix the issue, please have someone call me to explain how the approximately {$26000.00} in mortgage payments will be applied to my loan. Also, please send me a new XXXX  showing the correct amount of mortgage interest in paid in XXXX. All payments should have been applied to my loan. 
XXXX XXXX from Shellpoint and XXXX XXXX from Shellpoint have been awful. They are supposed to be my point of contacts, never pick up, never return phone calls, and can't fix anything. It seems this company is attempting to take peoples homes by way of making this process too difficult to address without legal counsel. I have spent countless hours writing emails, making phone calls, and complaining to the CFPB. The only time I get a return call from Shellpoint is when I complain to the CFPB. I recommend doing the same if you're experiencing anything close to what I'm experiencing.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allgate Financial, LLC (AL)

Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Al XXXX XXXX XXXX
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Certegy Holdings, LLC (TX)

Sirs ; On XX/XX/XXXX I attempted to write a ( good ) check at the local XXXX 's store to cover the cost of my purchase for {$2400.00}. My personal checking account had over {$15000.00} available. 

However, my check was denied by Certegy Check Services ( used by XXXX 's ), with no explanation given as to why. The employees at XXXX 's also had no information as to why I was denied. 

My wife then wrote a check ( {$2400.00} ) on her account which is in a different bank, in a different state, from mine. She had over {$40000.00} available in her account. Her good check was also denied by Certegy!  No explanation given for the denial. 

We then had to leave the store, go to my personal bank and have a cashier 's check drawn up to XXXX 's ( {$2400.00} ) to cover the purchase. 
I then returned to the XXXX 's store and completed my purchase. 

This incident has caused me and my wife personal humiliation and embarrassment in front of several other customers and XXXX personnel. Not to mention the adrenaline fueled 'anger ' I suffered through for hours because of Certegy 's inexplicable actions. 
Not a good thing for a XXXX year old man with XXXX XXXX! 

I came home after this incident and called Certegy attempting to get an explanation from them. However, all I was able to do was 'talk ' to their automated phone service. Where I got no answers what-so-ever ( apparently designed that way ). Less than useless! 

The next morning, after little sleep, I called the XXXX 's store and explained the situation to a manager there. She also could not give me any information as to why a person who has NEVER written a bad check in his life, with more than sufficient funds in his checking account, was denied. 

Same result for my wife who also has an excellent credit rating, no history of bad checks of any kind, ever, and had more than sufficient funds in her checking account to cover the check. 
Absolutely no explanation from the XXXX ' store manager as to why my wife 's good check would also have been denied. 

I see on-line that Certegy has hundreds of complaints against them for the very same reasons as mine.

I see that this has been going on for years and years.

I see that Certegy has been sued more than once for the same issues as mine, and forced to pay millions of dollars to the victims of their illegal abuses.

I see from the complaints, and from my personal treatment by Certegy, that they are STILL abusing innocent consumers who are simply trying to write a good check!!

I have also learned that these inept actions by Certegy may result to dings on my credit-rating and to that of my wife.

I write a GOOD check and because of Cetegy my credit-rating gets dinged? 

Certegy is used by many, many stores, not just XXXX. 
People are being hurt by their actions. 
Please deal with this humiliating, abusive company. 
Their ongoing abusive actions are illegal and are hurting good people! 

Thank you,
Consumer complaint received 2019-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have attached a copy of a police report for Identity Theft. This account is the result of Identity Theft and is causing me a lot of damage of my Credit Report. Please remove from my Credit Report. Please communicate in writing only and no phone calls please.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, XXXX XXXX XXXX was removed from my Transunion Credit Report. For some odd reason, this account showed up on my Transunion Credit Report on XX/XX/XXXX without any communication from the credit bureau. 

Thanks,
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CA)

I submitted a complaint about this bank reordering transactions to trigger multiple overdraft fees, that was resolved and less than a week later they've done it again. I have FIVE overdraft fees when only one is legitimate. I have screen shots of the original order. That's almost {$200.00} gone and I can't even afford to buy food now. This bank needs to be investigated! Every other financial institution who has been caught doing this was forced to stop but somehow they're still allowed to do it. How many people are losing hundreds of dollars thinking they have no recourse because BBVA 's customer service will NOT help you and they tell you there is no direct line to their corporate office. I'll be turning off my overdraft options until I find a new bank but they need to be stopped.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that Navient would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from Navient has a 90-day late payment as of XX/XX/XXXX. I called Navient today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C & M Associates Group, Inc. (TX)

Was contacted about a XXXX XXXX XXXX credit card opened in XXXX they said I owed over 17 thousand dollars or Id be taken to court I was pretty sure I had paid every prior to getting my home loan in XXXX. They kept pushing a settlement and I agreed not to the settlement but to XXXX dollars to not take me to court so I could figure out what they were talking about. I found the letters from the collection agency I paid in XXXX for this credit card. Contacted them and the refused to refund my money then the next day took XXXX dollars and over drafted my account. Called them and they keep hanging up on me this is not my debt its been paid for already. They refuse to hear me at all
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Counsel, Inc. (NC)

Credit Councel Inc sent letter to collect debt that is not our. Refused to provide invoice. Ref a date we did not own this home. Verbally abusive and threatening to ruin credit if I do not pay. I even called the creditor and they have no record of any debt and also mentioned they dont use such services. They are in XXXX FL XXXX.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (MD)

I have been struggling with my financial institution since I opened my account. I have been through several Debit cards that I have reported stolen or lost per the latest telephone conversation I had with finally a knowledgeable account representative who had answers to every question. He is the one who noticed and brought to my attention that I had Five ( 5 ) open and working debit cards that were reported lost or stolen. I am on XXXX I get XXXX deposit a month that pays my rent I dont get assistance I pay my full rent and all my utilities my food. I have nothing left at the end of every month. ALSO AT THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX a bank rep called me a liar to my face because I was disputing charges that were not mine. This bank PNC has caused me more XXXX XXXX issues ( XXXX XXXX XXXX  their actions towards me are completely unexceptionable. After being treated so poorly like I had no credibility at all I just find out they never closed the cards I reported missing.