davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was billed {$1700.00} from Bank of America. I went on the mobile app and paid the bill using my XXXX Bank account. About a XXXX later I discovered that Bank of America tried to draft out of an old account I used to use, but have only used once in the past XXXX months. My old bank ( XXXX XXXX XXXX ) ran it XXXX and charged me {$60.00} in fees, in addition to Bank of America charging me a {$25.00} returned payment fee. I immediately contacted Bank of America and the representative told me that it was a mistake on their app and they would take care of it and I would see it fixed on my next statement. I paid for the bill that day out of the correct account and it did go through. A few weeks later when my statement came, it was not fixed, so I called Bank of America again and was told the same thing. Again, it was not fixed. I called Bank of America for a XXXX time and spoke with XXXX and superior of card financial services, XXXX who both told me that I would get refunded their {$25.00} fee, but not the {$60.00} they cost me from XXXX. I was told that even if it was their fault they were not authorized to fix it and that I should contact my financial institution myself. I contacted XXXX and was told by XXXX XXXX, who was ever so helpful, that in these kinds of circumstances, the institution who caused the problem would typically rectify it from their end, which is what I was originally told by Bank of America. I do n't understand why Bank of America, who could easily contact XXXX and fix this, would want to defraud me out of my {$60.00}. I would appreciate anything you could do to assist me in this matter.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

in XXXX my identity was used to obtain several credit cards. I contacted the companies at that time and explained everything. it was resolved. earlier this year i received a notice from Portfolio recovery solutions requesting to settle the debt for half of the amount owed. I ignored the letter but received another one just recently. I sent a letter to the company stating that it was XXXX years old and identity theft. I told them never to contact me again. I received a letter yesterday asking for copies of the police report and verification that this debt is not mine. even after i told them not to contact me they are still harassing me.The letter states that the debt was purchased XXXX/XXXX/XXXX from arrow financial. the balance is XXXX.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (UT)

I have credit cards that offer variable rebate rates, as high as XXXX percent. They are currently American Express cards, but, my new XXXX XXXX issued card has the same problem. 
The billing statements do not supply any detail as to which vendors paid which percentage. 
Without this information I can not tell where to shop. For example I get XXXX Percent at grocery stores, XXXX grocery has a gas station, I get XXXX percent ( on this card, but XXXX percent on my new XXXX card ) if it is a gas station but XXXX percent if it is a grocery store. Since there is no detail I can not determine which card to use or where to buy my gas.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid Transunion Credit Reporting fees for services and when I attempt to do anything in the amount of total of {$49.00} in last two weeks and we I attempt to use the services it continues to take me to page to pay another {$29.00} for all XXXX companies and debt analysis and they already recieved it and I email attached showing transaction # XXXX the payment was made. I con firmed payment made via card. 
They have incorrect information, they have incomplete information and they want more to correct.
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2016 I received a correspondence from Bank of American stating that my credit card account ( XXXX ) is being closed by the bank for irregular activity. My credit line is {$47000.00} and I made a small purchase around {$3000.00} at a local liquor store. I called and spoke to a manager in the credit department and what I was advised was that the merchant where I used it at was a red flag, therefore the bank decided to close my account, and final decision is that they will not be able to reopen my account. I feel that my credit card account is being closed for a reason that is out of my control, and it has nothing to do with my credit, nor financial status. I believe no individual has control and knowledge as to where to use a credit card that is not a concern for Bank of America. I will like to have this information reviewed and I strongly request to have my account reopened so I may be able to continue my relationship with Bank of America.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am concerned that Bank of America is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with BOA to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of BOA give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that BOA would just make up rules as we went along. I even asked several times are you stating that BOA does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried to work with the CFPB for more than 3 years now with no results. However I have not given up. For more than 10 years I tried to get Bank of America to refinance or do a loan modification on my home. Their loan counselors at Bank of America have lied for more than 10 years and I have sent the information to the CFPB at the XXXX, IA XXXX address form more than a year proving that they Bank of America has lied to me constantly. You can also see much of my correspondence with the CFPB if you look at XXXX # : XXXX XXXX. I submitted proof that BofA was committing crimes with their practices. They would assign a counselor to work with me for three to four months and when the counselor was to make a decision they would send me a letter or notice from another person in another city or state and say that I am to work with this new counselor. BofA would then have me start the entire process again and they did this by assigning me more than XXXX different counselors before they could give me an answer. Each time they assigned me a new person to work with they would start the entire process over and over again asking for exactly the same information that I had already provided more than 6 different times. I did finally speak to one semi honest person that was assigned to me and she informed me that Bank of America would not give me a loan modification because I was current with my payments and I had to make up for all of the dead beats who either walked away from their mortgages or they were behind in their payments. I provided all of these facts to you office without any results what so ever. Since the CFPB has abandoned me BofA has increased my monthly payments twice and now they have just increased it again. I am a XXXX veteran with an Honorable Discharge on a fixed income and you think that I could get some government agency to help me fight these lying crooks at BofA however it seems to me that there is no such agency. How can a financial institution deny someone with good credit the ability to refinance or get a loan modification on their home for 10+ years and the homeowner can get no help from any government agency? If you look at complaints against BofA there are thousands just like mine that are present. This is not an exception this is the norm for BofA. I have letters from individuals saying they are responding on behalf of the President of BofA and they give me the same old XXXX over and over again. The reason why I looked into a loan modification is because the first person I spoke to at BofA told me to look into a loan modification because of the housing crash. All of this information has been filed with the CFPB and they have done nothing that I can see to help. More than likely the CFPA will send this information to BofA and their personnel will start their lies all over again however I have submitted proof of their un American lies to the CFPB.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This XXXX party collection agency is trying to collect on a 20 year old debt, I believe the original balance was XXXX, witch was written off by the original creditor. The XXXX party.collection agency is now trying to bully me for XXXX by calling and continuing to contact me after being put on notice verbally and by mail. I spoke to a gentleman who claimed to be the manager who got on the phone and began to try and bully me over the phone he told me the only thing he wanted to know from me was how I was going to pay the bill. He said he did n't care how old the debt was or what I was saying just needed me to pay. Told him yet again not to contact me in any way he began to laugh at me told him I was going to record call he hung up on me.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CT)

I am entitled to a 'free ' credit report from each company. I may have answered XXXX question for the Experian verification incorrectly concerning the XXXX XXXX -I had owned XXXX for several years- I 'm not sure. I did answer questions correctly for Equifax verification and it also indicated that for my protection the site was unable to provide the report to me online & if I want it I need to submit the form by mail. I did n't do the last company because I need an answer quickly. I will call but I do n't understand because I gave correct answers to the XXXX verification request.
Consumer complaint received 2015-07-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

My husband and I have a number of accounts with JP Morgan/Chase and I pay most of our bills using online account services with various merchants. I am very cognizant about due dates for our bills and when my paychecks get deposited ( every Thursday XXXX and when my husband 's pension check and social security check gets deposited. During the past year, my previous job was outsourced and I was out of work for 5 months and when I got offered my next job I was forced to take a {$45000.00} pay cut. I am a senior and am XXXX years old. Due to the reduction in our income, it is next to impossible to keep a " cushion '' in our bank account. On a number of occasions, due to the way that Chase Bank " shuffles '' their transaction processing we have been hit with {$34.00} fees. This occurred because their transaction processing practices are designed to maximize profits for the bank by entering the largest transaction first. They do not necessarily enter direct deposits before the previous day 's debits. I have researched this matter online and have found out that this is a problem for many low-income families who can not afford to keep extra funds in their accounts and who suffer disproportionately from these practices that are common among large banks. Our branch manager has lectured me that he will refund the fee " this one time '' but the problem is far greater and should be addressed by government regulations. I do not want to have overdraft protection because it costs more money. There would be no problem if Chase processed direct deposits first before deducting any online payments. I am very responsible and balance my checkbook every morning when I go on my computer at work. However, every now and then some kind of surprise debit occurs and voila, I get hit with another {$34.00} fee because Chase did not process the deposits first. I am imploring your agency to please address this problem with the large banks. I work hard but I have been a victim of corporate downsizing. I am facing retirement and trying to pay down bills. I am very discouraged about my financial future. I read about these practices in XXXX and XXXX when I did a google search. I was glad to see that it was a larger problem that government could address, as opposed to my own negligence as was implied by Chase Bank 's managers. Thank you for your help.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IA)

My mortgage is with XXXX. In XXXX, I asked that my escrow account be returned due to missed payments for real estate taxes. At that time, I ceased paying the escrow amount and have made the principle and interest payments on a timely basis. I have made all payments for real estate taxes and insurance, but XXXX has been applying my mortgage payment to escrow or just not applying the payment at all. The result is an escrow account of over {$4000.00} which should have been applied to the mortgage. XXXX is reporting me as over 120 days delinquent. I have provided Equifax with copies of my cancelled checks and they refuse to correct the situation. 

In addition, the phone number provided by XXXX to follow up on this issue is incorrect. My payments have resulted in my FICO score going from XXXX to XXXX. The only blemish on my credit forever is XXXX. I was never notified they were drastically reducing my rating nor did they provide me with the opportunity to refute the reporting. The system defies reasoning and does not protect the consumerI have documents which have been provided to Equifax, but can not up load them. Give me an address and I can mail the hard copies
Consumer complaint received 2016-01-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (WI)

I first received a cashiers check from a soon to be employer who contacted me through XXXX XXXX. I was told I would be receiving a cashiers check, to be deposited into my checking account through XXXX XXXX Bank. I deposited the check into my account on a Friday, left it there until Monday. On Monday, I went back to XXXX XXXX Bank to get a cashiers account to transfer to a Chase Bank account ( XXXX that my " employer '' had provided me information to ). I went and got the check from XXXX XXXX Bank, and took it over to deposit in the account at Chase Bank, no problem. But on that Wednesday, I get a call from my bank ( XXXX XXXX Bank ), saying the check ( originally written from XXXX ) was fictitious. I then reached out to Chase Bank to see if I can get information about the account I deposited the check into, or to at least notify them that this fraud act was happening. To which they blew off, and would not even let me speak to a manager about the activity. So this complaint is about the fact of Chase Bank, not working with me to figure out this fraudulent claim. The check I brought to Chase Bank went through so now I am stuck with having to pay off thousands of dollars, of which I had no clue were fictitious. As of right now, XXXX XXXX Bank is making me responsible for paying back XXXX, that I do not have. Nor can I easily pay off such a big amount of money. When called by XXXX XXXX Bank, the worker mentioned multiple times that the responsibility would fall on the bank itself, and not the customer. But is now saying that I have the responsibility to pay back. All of which I have recorded on my phone.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

Dear Sir or ma'am, Today, I spoke to a representative from Equifax to dispute a dismissed Chapter XXXX bankruptcy on my credit report, which was filed in XXXX 2006. 

However, He stated to me, " This is Federal Law and it Can not Be Removed ''. Hence, I can not dispute this item. Subsequently, he gave me the phone number to the Federal Trade Commission at XXXX. I explained to him XXXX and XXXX gave me a suspense date of seven years for this public record, and could not explain the discrepancy of their-Equifax differentiation of ten years. 

Ultimately, my complaint is for Equifax to remove this derogatory public record as the other XXXX credit bureaus have done.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have no knowledge of this debt. I made XXXX separate calls to XXXX different numbers. The first representative advised me the debt was for books that I ordered. When I asked where the books were delivered I was not provided an answer. The second call was even more frustrating and I was advised that it was clothing. I never opened an account in XXXX with Portfolio
Consumer complaint received 2016-11-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OR)

I have chase for a checking and amazon refunded me {$56.00} towards my checking account and chase failed to apply that {$56.00} towards the remaining balance and I gave them 48 hours to fix it they failed to meet the deadline my balance should be. {$85.00}
Consumer complaint received 2020-09-07
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. (NY)

I SENT A COMPLAINT TO EXPERIAN THRU THE CFPB AND THERE RESPONSE IS THAT I DID NOT SUBMITT MY OWN COMPLAINT. ONCE AGAIN, I AM A VICTIM OF IDENTITY THEFT PLEASE SEE MY FTC REPORT AND MY SOCIAL SECURITY CARD AND DRIVE LISCENSE COPY
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

On my credit report is an entry for a credit repair company that I never used, had a deal with, or even knew existed. I do n't know where this came from. 
The company is XXXX XXXX XXXX and XXXX XXXX XXXX is collecting for them. 
They are trying to get me to pay XXXX and have put derogatory information on my credit report. I want this removed. I never had this service.
Consumer complaint received 2016-07-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This is inaccurate and should NOT be even listed. I have a current good standing account with XXXX XXXX and prior have n't had any business with them for 7 years. I have disputed this item several times. This is a violation of my rights.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank C/C Web site showed my payments made and complete. When in fact they were not paid and were retracted XXXX weeks later giving a scam artist the ability to snag {$100000.00} of my dollars. I was suspicious of this company so I covered myself with alerts on my account and watched it every day to know when payments were made and when charges hit. I received no alerts at all until I called Chase and told them that they had been subjected to fraudulent activity. 
On the web site a note pops up about Chase Bank verifying that any pay account is verified that It belongs to the account holder before approval. This was not done or I would not be in this mess.