davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Saturday XX/XX/2019 we had fraudulent activity on our savings account. Someone we do not know transferred {$2000.00} out of our savings account using XXXX into their account. We have never used XXXX and our account shows that the only time it was ever used was on XX/XX/2019 when the fraud took place. We contacted our bank ( Bank of America ) on XX/XX/2019 to report the fraud/transaction. The fraud department is not open on weekends and therefore B of A is saying that our claim was not entered into their system until that Monday XX/XX/2019 and that they could not stop the transaction. Bank of America is saying that they have closed our claim based on their investigation, but has failed as of today to send the information used to come to this conclusion to us the customer when we requested it be overnighted to us via XXXX or XXXX on Tuesday XX/XX/XXXX.
Consumer complaint received 2019-07-15
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)

I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Since I received this unsolicited credit card I have routinely paid off my balance each month and have never been charged interest. However, on several occasions the on-line payment system has failed to allow me to pay. The official reason is that it does not " recognize '' my computer or IP address. However, I have used the same computer and IP address for every payment. this has caused a lot of wasted time, distress, etc. 

Most recently, I tried to make a payment due on XX/XX/XXXX and could not do so. I kept getting error messages and finally made the payment around XXXX eastern standard time. I was told that because the payment was made 10 minutes after XXXX o'clock it was late and I would be charged interest. I was subsequently charged almost {$60.00} in interest that I should never have incurred. 

This is just one of several ways this company has breached its contract with me - in each case trying sneaky maneuvers to generate interest on my account.
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc. (OK)

Hello- My name is XXXX XXXX . My car loan was paid in full and there was an over payment taken for $ XXXX- after arguing back and forth with Consumer Portfolio Services to try to get my money back, I was told that I would receive a cashier 's check for {$280.00} ( I am not sure why the {$11.00} difference- I asked several times and never got a response ). I was also told that I would have the money deposited back into my account with 24-48 hours however, they are now supposed to be sending me a cashier 's check. I am NOT HAPPY. I have called three times and emailed them 5- I have not received a response ... I have chased them for weeks and still do not have the money that is due to me. This company is completely unprofessional, irresponsible, and should not be allowed to conduct business as a financial company. My account number with them is XXXX. I have been dealing with XXXX XXXX. I was told to send them a bank statement showing that they took the money out of my account ... which I did. They told me to fax it- their fax machine did n't work. I had to scan the statement and then sent it to them via email. I then called for three days to get a status update. The bottom line is I am not sure why I STILL do not have the money that is mine and why they have given me the run around. Their last excuse was that the pay-off amount was incorrect and that their accounting department made an error. The pay off amount was {$9600.00} and they said that the check that was sent was only for {$9300.00}. Please let me know how I should further proceed. Thank you so much.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2019 i was trying to do a transaction on XXXX with one of their sellers that goes by XXXX to buy XXXX worth of bitcoin he had listed for sell on XXXX. He asked me to pay him through paypal to XXXX using the friends and family to send it. I paid XXXX to paypal to pay him XXXX. He then sent me message on XXXX  saying he disnt want to wait for payment to stop saying pending in his paypal account. He told me to cancel tranactuon on XXXX ajd he would refund my money back through paypal. I told him to send me a screenshot of it being refunded through paypal to me and he sent me a screen shot of it so i cancelled it on XXXX. I never got my money back through paypal from this seller and i never got the bitcoin i was trying to buy from the seller either. He scammed me and stole my money from me. I contacted paypal they said they cant help me get my money back from their user on there to contact my bank which is XXXX XXXX XXXX  XXXX XXXX. I contacted my bank and they said they couldnt help because i authorized payment expecting to get my bitcoin. I have emailed numerous times to XXXX asking for their help getting my money back too but no replies from them. Can u help me please.
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OK)

Chase bank is constant slow showing accurate account information and this has resulted in check fe es. Plus they have  an option to not allow debits if the money is not there and if the company represents itself as reoccurring they take it resulting in negative balance and will not block the transaction no matter what.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

an accordance to the Fair Credit Reporting act XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXXXXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I WAS SCAMMED BY 2 DIFFRENT COMPANIES. I PAID XXXX XXXX XXXX  {$990.00} ON XXXX USING MY DEBIT CARD.. I ALSO PAID XXXX XXXX  XXXX  WITH A CHECK {$4100.00} ON XXXX. THESE 2 COMPANIES TOOK ADVANTAGE OF ME AS A SENIOR CITIZEN. THEY DID NOTHING AT ALL FOR ME AND I DON'T KNOW WHAT TO DO AT THIS TIME. I REALLY NEED THIS MONEY AND NOBODY IS ABLE TO HELP ME.
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc. (LA)

On XX/XX/2019 I sent out a validation letter to Louisiana Recovery Service to validate how this is my debt since it was reporting on my credit report. I havent heard from them and have never did business with them prior to checking my credit report. However, after attempting to contact via certified letter and tracking the letter ; it is showing me that it was scheduled to be picked up at the post office and now it is saying reattempt to deliver.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I received a VISA Vanilla Gift Card for {$75.00} given to us on XXXX XXXX XXXX. I understand that XXXX XXXX XXXX is the overall company. When I went to use it at a restaurant on XX/XX/XXXX the card was declined 3 times. Then I called the number on the back of the card and was told online that the card was good for {$75.00}. So I gave it back to the waitress plus cash to pay for the meal and tip. It was declined 3 more times. So I paid with a different card. When I got home I called the number on the back of the card one more time to speak to someone about the problem. They started talking about a 20 % hold at restaurants etc. I asked to speak to a supervisor. I read the entire back of the cardboard container in which the card came. Nothing indicated that the card was only worth {$62.00} not {$75.00}. Also, it specifically stated " No Fees After Purchase ''. The supervisor hung up on me. So at this point I don't know what the card is actually worth or if I can use it anywhere without being held to the {$62.00} amount or if even that is not available. The XXXX XXXX XXXX has a one star evaluation on this company. It was a gift or so I thought.
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

On  XXXX   XXXX ,  XXXX  my Navy Fe deral Credit Union checking account was closed due to check fraud. I advised Navy FCU I had been an victim of identity theft. Navy FCU n ever advised me of any additional steps to take to revive my checking account. I recently filed bankruptcy chapter  XXXX  and on  XXXX   XXXX ,  XXXX  my chapter  XXXX   discharged. I sent Navy FCU an appeals letter along with proof of bankruptcy and identity theft. I would love to establish a new relationship with Navy FCU.
Consumer complaint received 2021-07-01
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: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and associate keeps adding accounts that have been disputed and removed with all credit bureaus. Account amounts are not true nor accurate I was never contacted by originally debtor due to address change. I called and spoke with a rep who Did not properly ask security question to verify the call. The rep stated several accounts that had been removed by all three bureaus. I requested that the company send me these accounts that were showing active that werent disputed and removed. I made this call in XXXX and have not received this request sent validation. 

Amounts XXXX, XXXX,
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (OH)

I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. 

I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.
Consumer complaint received 2017-06-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Hello, I am submitting a complaint on the escrow shortage for our servicer. We purchased the home in XX/XX/XXXX. At the time of closing we setup our escrow account on the unimproved amount. The assessed amount at that time was {$350000.00}. In XX/XX/XXXX we paid an escrow short of over 6,000. It appears to me the lender did zero research in coming up with this figure. The taxes should have been based on an assessed amount of {$420000.00} which was the amount the county released and posted online in XX/XX/XXXX. <P/>Recently they sent us a bill dated XX/XX/XXXX yet again collecting an escrow shortage in the amount of {$2000.00}. We are now in XX/XX/XXXX and the assessed amount is {$410000.00}. I have called Roundpoint and asked them to explain how they continue to get away with setting up our escrow account wrong and the only answer I get is, sorry this is your taxes with ZERO explanation as to how we are now paying a 2nd shortage. <P/>How are we paying an escrow shortage when our taxes actually decreased from XX/XX/XXXX to XX/XX/XXXX expected amounts?? <P/>I am highly concerned with all borrowers being serviced with Roundpoint as we have no idea of what to expect our payment to be even when the assessed amounts are decreasing I am being asked to come up with more money. <P/>This is very hard on myself and my family to budget for a home. We are struggling to come up with the amounts and I feel they have failed to set proper expectations with me as a borrower. I am concerned with the decreasing values in my subdivision and the increase in my payment will force me out unable to sell for the amounts we owe.
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

convergent outsourcing just reintroduced a debt that had been investigated and removed from my credit report. they also reported this account as opened as of XXXX XXXX,2017 which is totally false and misrepresentation of a single true fact .dont know whos account and they are claiming to have received payments on this account then they need to go back and check form of payments and or authorized signatures .XXXX XXXX,2017 i was and still am in XXXX ga.THEY AND XXXX XXXX SHOULD BE INVESTIGATED AND NEED TO NOT BE ABLE TO JUST ADD THINGS TO A PERSONS CREDIT REPORT AT THEIR LEISURE THEIR AUTHORITY SHOULD BE REVOKED. THE BALANCE IS XXXX $ AND I HAVE NEVER RECEIVED NOT ONE INVOICE ACCOUNT NUMBER NOTHING CONCERNING A REVOLVING ACCT THAT PAYMENTS WERE MADE AND I KNOW ABSOLUTELY NOTHING ABOUT.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, XXXX all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Bank kept charging late fees on car and personal loan. They actually and admitted to takingpayment in drive through window. Never applying payment ... found money order in draw six months later. They have also applied payments late that were received on time through mail. Never applied a cash payment made through window at XXXX New York Branch. Applied payments to wrong account. After this they repossessed car even though I tried to fix what had been done. Asked for loan modification for six months. Not sure if they set up phony accounts they will not help me.
Had to file for bankruptcy because of above. I kept trying to avoid late payments by direct mail or going through drive through it never seemed to work.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CO)

My problem is with Selene Finance as they continue to try and conduct an illegal foreclosure to cover up the errors made by their own agents and those at XXXX XXXX ( previous servicer ). I can document this information and am currently dealing with the legal department at XXXX XXXX in an attempt to straighten this problem out. I filed a previous CFPB complaint and Selene Finance replied to me and the CFPB with a litany of falsehoods. Selene Finance seems to think that they can lie to a government agency and that you will sweep this under the rug, but I would urge your office to look deeper. In the response to my complaint XXXX, XXXX XXXX states that my permanent modification was denied because I did not provide a quit claim deed to XXXX XXXX. This is false, the documentation was provided in the submission and XXXX acknowledged receiving it. I am formally requesting that Selene Finance produce the package and information that was used to assess and grant the trial modification and all correspondence after that point. The agents at XXXX explained that since I had provided the Quit Claim deed and the Divorce Decree that my ex-wife would not need to sign any modification documents. This is another example of Selene Finance trying to cover their tracks and peddling falsehoods to me as well as a government agency. The fact of the matter is I made all of the trial modification payments, I jumped through every hoop and provided everything that was requested but XXXX lied to me through their blatant misrepresentations. Now that Selene is servicing the loan they own not just the asset but also the liability that comes with this instrument. Their continued advancement of these lies only increase the liability for Selene and should be cause for an investigation by your agency.
The response letter from Selene confirms my initial allegation, that I had not received a deferment in the past, even though that was the reason that was repeatedly used to deny my modification request. However, even though this mistake was supposedly fixed, on XX/XX/2017 I received a phone call from XXXX XXXX who said that since I had a deferment in the past the investor would not allow me to be considered for a loan modification. This is a direct contradiction of the information that was sent to me and also the CFPB. 

Finally, Selene states that I cant be considered for a new loan modification, because they state that my income is not sufficient, and that when I submitted new financial information that the income was the same. This is yet another lie perpetrated by Selene Finance. My financial circumstances have changed and the most recent financial information that was submitted to Selene showed a substantial increase in income. Every time they respond they dig a deeper hole with the lies and misrepresentations. I want to resolve this matter.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I have been a customer with Care Credit for approximately 10 years. From da y 1,  I had  XXXX  cards. I have never missed a payment on either card and used both cards regularly. I also have a stellar credit history with no negative information and am using about 10 % of my available credit. So much to my surprise on Friday  (   XXXX / XXXX / 17   ),  I get a letter that they closed my account with no notice because I had  XXXX  cards and that it had nothing to do with my credit. As stated earlier I 've had  XXXX  cards for 10 years and have asked them on numerous occasions to combine the lines into  XXXX  card. To make matters worse they closed the card with the higher limit and the lower interest rate. They say that the account disclosures say they can close my account because I have more than  XXXX  account. I say by not taking that action in a reasonable amount of time they waived their right to do so now. Secondly, t he manager I got  on the phone said that the reason they chose to close my account was because they no longer wanted to honor the interest rate, which I do not believe is a permissibly purpose which is why they are trying to hide behind the  XXXX  card clause. Th e manager did say that he would escalate my complaint to the corporate office and I should hear from them within 48 hours. In my opinion, this could have been handled much better and to the satisfaction of both parties but their dis regard for my consumer protections has caused me damages.
Consumer complaint received 2017-06-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I transferred my lease in  XXXX    XXXX   from my name to another  3rd  party. We finalized the paperwork on  XXXX / XXXX /  XXXX   and mailed to   XXXX   XXXX   XXXX  , the guarantor on the lease. I received a letter from  XXXX  dated  XXXX / XXXX /  XXXX   stating that I was financially clear of the vehicle. I then gave the car to the other party.     I recently learned that they have been hitting my credit with derogatory marks for missing the  XXXX  payment, although I received the letter from the company saying I had no further financial obligation ( I have attached copies of the letter, lease transfer, and a copy  of 1 of the 2 credit reports that indicate 30 days past due for   XXXX   ).      I then tried to log in online to view my account, which I could not do, " no active account ''. When I called in, they could not see the vehicle had even ever been leased to me, nor could they see any delinquency on my account. When requesting a follow up and an inquiry through their call center on  XXXX / XXXX /  XXXX  , they had no idea what I was talking about. I was told that they would only respond or investigate my claims if I wrote a letter, which I wrote yesterday,  XXXX / XXXX /  XXXX  .     This comes after 8 months.  EIGHT  months of them being difficult to answer or transfer the lease ... requiring countless emails, letters and phone calls to complete the transaction. The amount of extra payments I had to pay just in their reluctance to complete the process was outrageous. The only way I got that process handled is I wrote an email to their  CEO Executive  Office and someone there pushed it through.     The amount of financial harm this company has caused me due to their own processes is ridiculous.