davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (AK)

I noticed a hit on my credit monitoring site from Aargon Collection Agency. The original debt was from XXXX, which I visited in XX/XX/2015 for an emergency repair. I paid at the time of service. I called XXXX asking for information about the bill. They refused to provide me with an itemized bill, and told me to contact the collection agency. XXXX did attempt to confirm my contact information. The wrong address and phone number ( not even close - in another state ) was on the bill. I expressed concern that I did n't think the bill was mine. They refused to discuss it and told me to call the collection agency. I called Aargon Collection Agency, who initially told me that I would have to get the itemized bill from the vendor and there was nothing they could do for me. They also had the wrong address and phone number. I told them that XXXX had told me that I would have to get the itemized bill from Aargon. The Aargon representative became aggressive and told me that asking for verification of the debt would take time, and kept pressing me to pay the bill. I refused, and told him that I wanted to file a dispute. He told me that was impossible, the bill was mine, and I should pay it. He told me that he could make a note on the file saying that I was in the process of getting an itemized bill from the vendor, but collections would continue. I asked him to transfer me to someone who could file a formal dispute. He told me that the manager was on break. I asked for a callback, at which time the manager magically reappeared. The manager told me that I had to request an itemized bill in writing from Aargon. I told her that this was not what the original representative told me, and pointed out that if I had not insisted on filing a dispute, nothing would have been done. She told me that I could put it in my letter. My concerns are : 1 ) the only correct information they had on this bill was my name, which should give any reasonable person doubts as to the accuracy of the bill ; 2 ) I was pressed to pay the bill over the phone even after expressing these doubts and asking for verification ; and 3 ) the original representative gave me false information about how I could verify and/or dispute the bill, and tried to prevent me from speaking to someone else.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

I am disputing the resolution with previous case number XXXX. 
The dates are wrong the 18 month same as cash purchase for approximately {$700.00} was not in XXXX, it was in XXXX, which is what I have suspected, but was told on multiple occasions, that either that they ca n't get the information, that they do n't have to provide me a history of more than a year.. 
Finally have serval phone calls some one agreed to send me the full history, but instead, it was only the last year. So I had to file a complaint with the CFPB and now I have a fabricated, or creatively generated payment history that does n't match actual purchase, payment plans and dates. 
The 18 Month same as cash program was falsely ended a year early. 
If in fact it was taken out in XXXX, based on the payment chart provided on the explaination letter, this credit would have been paid off. ( in 3 years ), but instead they are claimimg that I still owe the exact same amount, after 3 years of payment. 

I am not making one more payment until I receive a copy of the agreements and poof of purchases for all of items thatI am being charged. 

I want all fees for late payments to be halted for their incompetent billing practices and failure to provide my the relvent proof of charges for the last year.
Consumer complaint received 2016-07-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

I have a line of credit /home equity with Wells Fargo . Back on XXXX XXXX I received a letter that my pmt may change in XX/XX/XXXX. It stated that the est pmt may be {$500.00} and in small print it stated that this was an estimate only and that I should call for a more detail clarification of my new est pmt. I did call on XX/XX/XXXX at XXXX MST and spoke with XXXX XXXX she specifically calculated what my new pmt will be and came up with {$220.00} p/m - I asked her why in the letter it said {$500.00}? she told me not to worry it was only an estimate as the letter stated but my real pmt was going to be {$220.00}. Before my pmt was interst only about $ XXXX p/m but I was sending about XXXX per month so it did not appear to be a fin prob for me. As of XXXX and eevry month since I have paid them {$250.00} on time every month and they suddenly kept increasing my " past due amount another {$250.00} more per month. They increased my pmt to {$500.00} per month. I contacted them and file a dispute with them and asked them to escalate it and correct it as this is not waht I was told by them. I actually talked to XXXX XXXX on XX/XX/XXXX and before I explained the whole situation he also calculated for me the same pmt of {$220.00}. Wells Fargo never took resp of the bad info they provided me ( 2 diff.people ) and they claim that it was a mistake but they will not correct it for me. I have been calling them since and complaining and they wont help me. I just checked my credit score today and it has gone down from XXXX in XXXX to XXXX!! because of the reporting of WF. It is affecting my credit and I ad a very good score. I need help with WF I will attach all of my notes as I have done everything I can with them and they wont help me even though they admit they made a mistake. They want me to do a loan modification which will affect my credit even though I have not done anything wrong and for years I never missed a pmt and always I sent more than the min. I also have in the same house a 1st mortgage with them and I have never been late. The lasy time I spoke with them on XX/XX/XXXX with XXXX XXXX at XXXX x XXXX at XXXX mst I asked her to escalate the issue and she told me that GT at extension XXXX was going to contact me in less than a week - as of now XXXX XXXX I have not heard back from anyone at WF evrytime I try to call its a nightmare to speak with them and I have to explainthe whole thing thing over and over and they just give me the run around. 
please help me
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Tuesday, XXXX XXXX, 2015, Bank of America 's Risk Management group closed my checking account for being overdrawn. The checking account was not overdrawn at the time. On that day, they refused a wire transfer deposit, refused a deposit at a branch, refused to provide any access to the account citing the closure by Risk Management. 

I spoke with various departments of the bank about the closure. Several people including the Debit Credit Card fraud and dispute department acknowledged the bank had made an error. They confirmed the account was not overdrawn at the time of the closure. 

The mistake occurred because the bank has certain automated tellers which accept large cash deposits, however because these tellers do not exist system-wide, there is not a method for operations to check if a large cash deposit has been made. Instead, the system assumes all teller deposits are pending. I made a {$1200.00} cash deposit at a teller and my receipt and my available balance shows the cash is available immediately. 

I have attached a copy of the bank statement which also indicates my account was not overdrawn at the time of the closure. Because the bank closed the account effectively on XXXX XXXX, XXXX, and refused my deposits the account was overdrawn on the next day XXXX XXXX, XXXX. 

Tha bank reported me to credit bureaus and this prevented me from being able to open a normal checking account as well as creating an adverse effect on my credit.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: BC SERVICES, INC. (CO)

BC Services is attempting to collect debt on medical bills that are supposed to paid for by medicaid. Not only that but XXXX bill was duplicated even though my son was only in the hospital for one day. The other medical debts they refuse to verify how much they bought the debt for are supposed to be paid by mediciad. Their " attorney '' claims they ca n't send it to medicaid I owe the debt.They continue to threaten to sue me, garnish my wages and even seize my assets, even after explaining I am now unemployed.
Consumer complaint received 2017-01-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened an account at Citizens Bankers several years ago. I have a XXXX and frequently do not read the statements. 

Finally I realized the money was going out too quickly and went to the bank. They found that the money had been withdrawn over a period of months through XXXX to Colorado! 

The XXXX was consulted an did nothing for several months. Then they said they could not take the case. 

Citizens Bank says the money was withdrawn through a XXXX account that I set up. So they are not responsible. Yes I did set up the account a couple of years earlier and I not know that it should be closed. I just sent money to a friend one time! 

I lost about {$40000.00}! it was all withdrawn in {$320.00} dollar increments sometimes many times in one day. Is the bank really not responsible to alert me about any of that when they say that they will protect the money of their depositors? Surely there are violations of banking laws here! 

Apparently no attempt has been made by the police in XXXX to call Colorado to follow up and identify who has been stealing the money. 
There are many more pages of statements if you need all?
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2016-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DC)

My private student loans with XXXX XXXX ( now called Navient ) went into default following a period of unemployment. In XXXX 2015, I was contacted by " Navient Recovery '' and told that I could bring my loans into a " Reduced Interest Rate Partial Repayment Plan '' if I made XXXX down payments and continued to make at least minimum monthly payments afterwards until the account was paid off. I have been making these payments since, but as of now, ten months later, Navient XXXX refuses to send me paperwork that verifies the terms of our agreement. My interest rate has not changed, and every month Navient updates my credit report with " debts not paid as agreed. '' Despite months of calls and speaking to " supervisors '' I am unable to speak to anyone at either Navient or Navient XXXX who can either confirm or deny my participation in the program, the terms of this program, and when my account will be changed to a partial-payment agreement status. Messages are left unanswered, and representatives have on several occasions told me they " have no legal obligation to provide me with paperwork '' that discloses the terms of the agreement.
Consumer complaint received 2016-01-13
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc (MD)

I have an eBay gift card with a significant balance still on it. Whenever you use an eBay gift card for the first time, it is tied to a PayPal account and can not be used with another account. However, a couple weeks ago PayPal closed my account and will not give me a reason for closing the account. They will not let me reopen the account even though I have done nothing wrong or illegal. This also means I can not use the remaining balance of my gift card. I have attempted to contact both eBay and PayPal, but both give me the runaround on whose fault it is. An eBay supervisor did point out though that PayPal should be the one taking care of this issue since the cards are linked and processed by them.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NY)

Recievable Performances had been given a alleged debt by XXXX account # XXXX and has also place this debt on all three of my credit files, after having this debt disputed to XXXX and also with the consumer financial protection bureau there are the results : We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. when pull credit files this debt is still posting to my credit files please have this deleted from all credit files, XXXX thanks
Consumer complaint received 2016-08-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION (MD)

The M & T Bank sent me a letter offering a pre-approved personal loan up to $ XXXX which I did not reply, later it sent me an email with the same offer and again I did not reply, then the Bank gave me a phone call with the same offer and I accepted based on the offer declaring that it was to be based on no collateral and that it was to be for my own personal expenses with a very easy criteria. As it declares for using the money like this = " ... or simply be prepared for the unexpected. '' Then after I met the criteria including a XXXX credit score, and this Bank refuses my request of a small loan for {$2000.00}. ( the lowest available amount ) based on this reason, quote = " Ineligible Purpose For Loan Request. '' If I had wanted to buy an old used car for $ XXXX then I would have got a car loan, and if I wanted to buy a product then I would have used my M & T Credit Card which has a {$2500.00}. limit, but the offer was for a " personal loan '' and the Bank refuses the loan when I am doing exactly as their pre-approved offer asked of me. As such the Bank lied to me from the beginning through till the end as the loan rejection is a lie too because I met the criteria in full. I can not say if this breaks a Banking law but it was a breach of contract with myself, because the Bank broke its own words, broke its agreement to me.
Consumer complaint received 2015-07-29
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: WATERSTONE MORTGAGE CORPORATION (IN)

I was referred to Waterstone Mortgage by a realtor. I was told to work with a gentleman named XXXX XXXX. After speaking with XXXX XXXX on the phone and him reviewing my situation he referred me to his colleague XXXX XXXX so that she could advise my husband and I how to get our credit started again. We met with her and she advised us to get a savings loan, a prepaid credit card and to become authorized users on a family member or friends credit card in which we did all of those things. The authorized user was false information. She also told us NOT to pay off any of the items that we owed on our credit report. Af the end of the 30 minute meeting she told us that we owed her {$300.00}. No cost was mentioned until the end of the meeting. My husband gave her {$200.00}. She said to do the 3 things she mentioned and call her back, we did and it took 2 weeks to hear back from her. She said to come back to the office to talk. We went back and she had lost our file, she said that she left it at her home and I found it odd that our file would be at her home. We had to give her all of our information again and the last {$100.00} that she said we owed. We paid her in cash she said that they did n't take debit or check. We did n't get a receipt and I know that is my fault but when we gave her the money XXXX XXXX was there, although I did find it quite odd that XXXX put the money in her purse. She then gave us one of XXXX business cards and wrote on the card that we would get {$300.00} off our closing costs when he got us financed. I tried calling and texting XXXX a dozen times or more and I never heard back from her. This originally took place the beginning of XXXX 2014. During the winter we saw a place that we were interested in and I happened to know the broker. The place had been sold but I told him that we were working with XXXX XXXX and he laughed and told me that XXXX had discretely quit Waterstone and was no longer in that line of work. I called him because I still could n't reach XXXX and XXXX told me that by rights she should refund my money. He then refereed me to his brother XXXX and when I told him what had happened and he said that XXXX was a family friend but he would never use her in his business because she checks out and goes to XXXX quite a bit. I learned my lesson but I feel like me and my family have been taken for money that we could have used and we trusted someone that was supposed to be helping us. I have XXXX children of which one has XXXX and I 'm paying more for rent than a house payment would cost me. I feel as though XXXX took advantage XXXX. Even if no action is taken against her I think people need to be warned about the way she conducts business. Thank you for your time and I would appreciate it if you would look into this.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Cash payment was made into my business account in order to make purchases for a customer of mine, after three installmental payments from XX/XX/2016 ; then I was at my local Bank of America branch on the XX/XX/2016 to make some initial withdrawal to make purchases, then I realized that my account has been frozen and that there is a fraud hold on my account. I was a given a telephone number to call in order to find out what was going on as the bank teller stated that they do not have any information on the development. 
I called the number, then I was sent back to the branch for more clarifications. On getting to the branch again, I was not given any information apart from what they originally told me that there was a fraud hold on my account. At the branch, I was given another telephone number to call. They gave a name and the department, I was not able to speak with the person as every call I made to this number went to voice mail with the person saying that they were away from their desk. My account was placed on hold for almost three weeks, this hold affected my XXXX business, as I was not able to withdraw any money from the frozen account. All this time there was no communication between me and bank of America as to what was going on with my account. My accounts were closed without any notification, this affected my direct deposit, which in turn affected my mortgage payment, as I was not able to get my salary on time as a result of the account closure. 
Eventually, I got a letter from Bank of America on the XXXX of XXXX stating that they are sending me the money in my closed accounts, however the payment will be short of {$1800.00}, and the explanation given was that the money is not due to me. Also they mentioned financial irregularities in my account without any evidence or proof. As at the time of this letter, I have not been able to have a conversation with the department in charge and I have not received any call back or a letter showing evidence of irregularities. Also, it was mentioned in their letter that I might be reported to XXXX, and XXXX and consequently I might not be able to open account for about 5 years.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

Dear Sir/Madam, I am writing with reference to a recent incidence that occur during my telephone conversation with a Citi customer service agent regarding my Citi Access More credit card ( ending XXXX ), on XXXX XXXX, 2016. I was requesting the customer service agent to apply a decrease in cash advance limit to my account. However, the agent had misinterpreted my request and thought I asked for a credit line increase, and went ahead to initiate a hard pull on my credit report, erroneously, and without my permission. This inquiry is currently showing up on my XXXX credit report. 
This action was unacceptable as ( 1 ) I did not request for a credit line increase, and ( 2 ) I did not authorized to have hard pull inquiry performed. I have since complained about it in a subsequent phone call and was told that the matter was escalated to a supervisor, and was promised a call back within 24 hours. So far, I have heard nothing. 
I am submitting this complaint to CFPB and requesting for an immediate resolution to this matter. I want Citi to ( 1 ) retract the hard pull inquiry so that it is removed from my XXXX credit report, ( 2 ) tender an apology and ( 3 ) apply courtesy points adjustment to my Citi Access More account, for the distress caused. 
Thank you in advance, and I look forward to receiving a resolution to this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX, 2016