davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX of 2018 I received a text message alerting me that 2 fraudulent charges were charged to my account. Both of these charges were from a merchandise store at sea world. These charges were almost close to 800 dollars all together. I immediately called my bank to report this issue. A couple days later they refunded me the money. Fast forward to almost 3 months later my account is negative ( over 700 dollars ) I called my bank and they told me my claim was denied after investigation. They told me my card was at my possession and only I knew the pin. Therefore theres no wAy that those charges could have been done by someone else. If they look closely to statement I have never spendt so much money especially at some random merchandise store a sea world. If my bank is claiming that I made a false accusation stating that money was taken without my account why wont they report it to authorities? Those charges were not made by me. Im negative XXXX dollars. I know its not much for some but for me it is. I depend on a month to month check. I feel that they did not do a throrough investigation.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TN)

I was in a car accident on XX/XX/XXXX. On XX/XX/XXXX I sought care at XXXX XXXX. I had 16 appointments with this XXXX. At the end of my treatment I submitted my bills to the insurance company of the individual who hit the car I was a passenger in. The insurance company conducted a private investigation inside the XXXX 's office and saw that 10 visits were posted on a sign for {$750.00}. The XXXX had billed an exorbitant amount of {$3900.00} for the services rendered. The insurance company refused to pay the amount. I sought out advice and in the state of Tennessee you have the option to utilize your private insurance first or the car insurance first and visa versa. I contacted XXXX my medical insurance provider and they informed me that this was something that happened all the time and that I would reimburse them through subrogation. I filed the claims, XXXX XXXX was sent an Explanation of Benefits as he was an in network provider with XXXX ( it is also noted on my chart ), and he was sent a check for the payment. I received numerous phone calls from his office threatening to turn me over to collections stating that I was in the wrong. They cashed the check and the next day it was turned over to Capital Account. I've attempted to state my case to Capital Accounts, XXXX, XXXX, XXXX and all 4 will not remedy the situation as XXXX XXXX states it is legitimate debt. I am providing the Explanation of Benefits that shows what was owed and the contracted rates between XXXX and XXXX XXXX, the cashed check, and my medical notes that show XXXX XXXX had my XXXX policy number and was well aware that XXXX was my insurance provider when I was in his office and seeking treatment.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (VA)

An account was opened for me XX/XX/XXXX. At that time I was in the process of repairing my credit. My credit score was in the low XXXX and I had filed a Bankruptcy. However, I was given a card. In the 2 years that I have had the card, I have paid on time and my limit has been increased. However, in XXXX of this year ( XXXX ) I called the store to see if i could get a XXXX XXXX with the card. I had cut the card up after XXXX in an effort to pay it off..However, they told me I would need the card and asked if I wanted another one. I said no, I'm trying to buy a house, so that was OK. The next month I got a letter saying they had decresed my limit, based on my credit report. My credit score is now XXXX and all the accounts in my name have paid been paid on time. The decrease in the limit has lowered my credit score. Can they lower my limit for no valid reason, other than I didn't want another card?
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pendleton Capital Management (FL)

Was contacted by XXXX, a representative of Pendleton Capital Management ( also doing business as XXXX XXXX XXXX ). XXXX stated that there was a bill that was past due, and I asked him to explain what it was for. 

XXXX stated that it did not matter and that if I did not pay him by XXXX XXXX  that he would contact the Florida State Attorneys Office and have criminal charges filed for prosecution. XXXX also stated that fines could be in upwards of {$3500.00}. 

I was very upset, and hesitantly I agreed to make the payment of {$160.00} to resolve the debt. I received 2 emails from their company. 

After the bill was paid there was an email sent stating the debt is satisfied and that I am to release XXXX XXXX XXXX of any liability. I do not agree with this statement. 

I feel this was handled completely unprofessionally and that atleast two debt collection practice laws had been violated.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (MN)

My wallet was stolen on XX/XX/XXXX I immediately contacted the police to file a police report. Due to me loosing my card the crook already used card first unauthorized transaction at XXXX for {$190.00} and {$290.00}. I contacted Netspend to dispute charges. They said the charge to card was pending to call back next day. So I called back the next day on XX/XX/XXXX then they started transaction dispute. They didn't give provisional credit like they say the would. Told me I have to wait after investigation completed and it will be completed on XX/XX/XXXX .. Then XX/XX/XXXX came they closed it without getting my money back. I sent them everything including video of the crook from the store picking up wallet. Police report and all I talked with merchant from XXXX he said no one from Netspend contacted them about this issue. After hearing the closed my case with no finding I contacted Netspend and ask for supervisor got denied to talk to supervisor. I asked could I speak to someone who works with dispute and a customer service representative said it's no one you could speak to. Then searched online for a corporate number it was disconnected no number to reach out to. Another XXXX XXXX XXXX sent a email saying my Money of {$280.00} was deposited back on XX/XX/XXXX have yet to receive that money back as well.
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

My student loan was transferred from XXXX to navient in XX/XX/XXXX, I was not made aware of this switch. Until this time, my payments have been current. Because of an excess payment when with XXXX, my payments continued to be made for some time although I received late fees everytime. In late XX/XX/XXXX I was made aware by phone that my account was delinquent. I honestly am having a hard time keeping it all straight but for the last 3 weeks I have been on the phone with Navent, XXXX and my bank trying to make payments When I was made aware that Navient is now the holder of my loan, I logged onto the website and signed up. I entered my bank account numbers and made my first payment on XX/XX/XXXX. To date, I have tried to make payments 4 times since XX/XX/XXXX with the most recent being today XX/XX/XXXX. Each time, I checked my bank account a few days later and upon seeing the money still there, called Navient. Each time Navient told me that the bank rejected my payment. I was never sent an email with this information. In the meantime, they helped me put my loan in forbearance until XX/XX/XXXX so I would not receive further hits on my credit due to their incompetence. ( my words, not theirs ) I was advised to call the bank to see why they were rejecting the payments which I did on XX/XX/XXXX after realizing that my first payment was rejected. My bank ( XXXX XXXX XXXX ) said that they had never received any requests from Navient and I assumed that the problem was on my end with the numbers that I gave Navient. I proceeded to repeat this process 2 more times, verifying and reentering my bank account and routing numbers each time. Both times, my payment was not processed and my bank still has not heard from Navient. The excuse that I get from Navient for my bank never having heard from them is that I must have given the wrong numbers so I printed out an account verification and used it to verify the numbers I put on my Navient account. They match exactly. I tried one more time to make a payment. Today, XXXX XXXX XXXX, I made the payment of XXXX to my account. I am writing this complaint to document all that has occurred, I feel that I have no other recourse against this company and that they will ruin my credit. I have been paying my loans faithfully since I graduated and am financially able to make my payments. When searching the company, I find that others are having similar problems making their payments. I find this disgusting and predatory whether it is purposeful or due to incompetence and I want to do my part to make sure that Navient is held responsible for their actions.
Consumer complaint received 2018-08-10
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: Experian Information Solutions Inc. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX  XXXX  ), XXXX Acct XXXX ( Experian, XXXX  XXXX  ), XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( experian ).
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, I was preparing a large order on Home Depot 's website. When I went to checkout, the site displayed an advertisement stating that if I applied and was approved for a Home Depot credit card, I would receive {$100.00} off an order of {$1000.00} or more if I used that credit card to make the purchase. 

I applied for the card online by clicking on the advertisement, and I was approved. However, the credit limit imposed on the card was {$800.00}, meaning that I was unable to use the card to make the purchase and receive the advertised offer. 

I believe that this offer is a bait and switch, as there is no reason why the credit limit on the card should be so low. Information that was requested when I applied for the card, which I provided, was that I make {$95000.00} per year, and own my home outright ( no monthly payment ). My credit score is well above 700, I have an excellent credit history, and I have no outstanding or past due balances anywhere. 

For me to be issued a card with a limit of {$800.00} means that nearly anyone who applies for the same card via the promotional offer on the website will similarly be issued a card with a limit lower than that which would be required to take advantage of the advertised offer.

My only interest in obtaining a Home Depot credit card was to receive the offer that was advertised to me, and I was not able to do this because they put an unreasonably low limit on the card. As a result, not only did I not receive any discount on my order, but my credit score will also suffer as the result of an additional hard inquiry.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

XX/XX/2018, I gave authorization to XXXX  XXXX XXXX to do a credit check based on the offer provided over the phone. Credit check was done and then they send the email for confirmation. In the email the offer were not the same as provided on the phone call. Hence I cancelled the service immediately before it got activated and request the customer to make sure the credit check that was done is removed my authorization were based on the offer provided over the phone. They said they will take care of it but until today XX/XX/2018. I tried to call XXXX & XXXX  XXXX XXXX customer support regarding the same but they have be just kept on transferring my call but none helped me and at the end they me on hold without any response ( the call went 40 + minutes ).
Consumer complaint received 2018-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has a " hard '' credit inquiry dated XX/XX/2016 still listed on my XXXX credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau. 

I have contacted both Bank of America and XXXX credit bureau to have them remove this inquiry from my credit bureau credit report.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I believe there is incorrect information on my credit report, and I have been attempting to gain online access to obtain my credit report. I can not access the online portal because they have incorrect information, and I have to file a dispute online to correct the information but since I can't access the online portal I have to access to my credit report or the dispute process. I have contacted the company a few times, but they won't fix the issues because I can't verify my identity since my credit report is incorrect. I am basically being told I can't access my credit file because I can not verify who I am because I can't verify incorrect information. I have tried contacting Equifax directly and the customer service is extremely unhelpful.
Consumer complaint received 2018-06-27
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. (FL)

On XX/XX/2018 someone called Chase bank and claimed that they had made an ATM deposit of {$950.00} in cash but it did not appear on their receipt. Which the bank has never told us where this alleged deposit occurred. Then on XX/XX/XXXX someone XXXX to an ATM in XXXX XXXX Florida across from The XXXX XXXX ( which my son has never been to ) and withdrew {$500.00} then a couple hours later went to the ATM across from The XXXX XXXX and withdrew {$440.00}. On XXXX XXXX, XXXX XXXX and XXXX XXXX went to the Chase bank On XXXX XXXX and made a formal complaint on the account the bank made a reversal of funds pending investigation. They asked XXXX to file a police report which he did report # XXXX and after no investigation they undid the reversal and Then on XX/XX/2018 they removed {$950.00} from XXXX XXXX 's saving account and closed they case. I then called the bank pleading that this was a mistake. They said they reopened the case but still will not provide the location of the first transaction, what phone number called in to make original complaint, and if they ever looked at the footage. My son did not give his card to anyone or does he ever remember it being out of his possession so the bank just assumes that my son is involved. Why would we file a police report? We even offered to sign an affidavit of our non-involvement in this thief but the bank got their money back so they will not help their client of more than 20 years. Whoever did this I am willing to prosecute to the fullest of the law and now the bank won't give me any information They are now Telling me I will have to get a subpoena and investigate my own case. Please Someone HELP ME!!!!!!!!
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

A company named 'XXXX XXXX ' with address XXXX XXXX XXXX XXXX, XXXX , NY XXXX with a telephone number ( XXXX ) XXXX runned a full credit enquire on my persona without my consent, and at the time to be closing escrow for a house purchase, this issue caused a significant delay in closing escrow, and delaying all arrangement to move to my new home, therefore this enquiring was a significant risk accordingly to the loan officer, to lowering the credit score and  perhaps ruin the deal. 
XXXX XXXX XXXX visit my businees to offer a merchant services, and he requested 3 bank statements which I never gave them, and after investigating with Experian I learned that XXXX XXXX XXXX, president of XXXX XXXX XXXX uses XXXX XXXX to process the credit card processing. 
After talking to the Fraud Department of Experian, I was told that 'Hard Credit Enquiring ' needs to be pre authorized, and in this case is a Violation and perhaps Fraud since I was not informed neither I new this company, and could have ruined my effort to get a house.
Consumer complaint received 2021-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I had a previous HELOC with U.S. Bank since 2018 in good standing. This year I decided to increase my line of credit and submit my application again with U.S. Bank. I did not know that by this application, my previous HELOC will be closed and a new one will be open. As a consumer, I thought this will be same as when you request to increase your credit limit on a credit card. 

During the process no one from U.S Bank ( online staff and branch staff ) explained to me that this process will close the existing HELOC. 

Now they have applied the Early Closure Fee of {$500.00}
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In XX/XX/XXXX I contacted my mortgage bank, Fifth Third Bank, to question how my escrow payment would be adjusted if I paid the first installment of my XXXX taxes in XX/XX/XXXX instead of XX/XX/XXXX. I wanted to do this so I could claim this payment on my XXXX tax returns. I knew my deduction would be limited on my XXXX tax returns due to tax law changes. The Fifth Third representative told me that they would make the payment for me as they were for many of their customers. I confirmed that I wanted the payment made by XX/XX/XXXX. 

In XX/XX/XXXX I received my Escrow Statement which did not show the extra payment. I contacted Fifth Third and they told me that they did not make the payment because they did not have a tax bill. I asked why they did not contact me before the payment deadline and they had no explanation. 

We had several discussions where they kept apologizing but offered no compensation for my lost tax benefit. I have calculated that I lost {$1800.00} due to their negligence. 

I hired an attorney to send a letter to Fifth Third on my behalf. We submitted our first letter on XX/XX/XXXX. We received no response. We sent a follow-up letter on XX/XX/XXXX. We still have not received a response. The letters were sent via certified mail so we know they were received. 

We would like your help to get Fifth Third Bank to respond with a payment of at least {$1800.00} and cost of legal services. Their lack of and response is unacceptable.
Consumer complaint received 2018-05-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NC)

PNC Bank fraudulently and through racial discrimination gave me a mortgage loan that was higher in interest than what was charged to a similarly situated white male. I was charged excessively for an 80/20 loan. They still continue to harass with calls.
Consumer complaint received 2018-08-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ambassador Mortgage, LLC (LA)

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX I'm writing in regard of services I received from Ambassador Mortgage. The services where unsatisfactory. During the month of XXXX me and my spouse where pre-approved for {$220000.00}. We had three homes inspected along with the appraisal. This went on for nine months the broker could never close the deal and get the final clear to close. She would ask our Realtor at the time was XXXX XXXX with XXXX XXXX XXXX for extension after extension this went on for 2 months with no closing date. She was not able to secure our mortgage. She coerce use into the lock in rate. Her fees consist of {$400.00} lock in rate, {$250.00} transfer paper from one house to another, {$170.00} consultation fee, appraisal {$570.00}, Home inspection for three homes totaling {$750.00}, credit bureau {$26.00}. We are out of {$2300.00} XXXX XXXX Owner Ambassador Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, La XXXX XXXX.She was not able to secure our mortgage. She coerce use into the lock in rate. I would appreciate your assistance in resolving my complaint. If the matter is not resolved with a refund, I will seek small claims court and let a judge decide
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Tried close online says to send letter, send letter to close since didnt agree to new fee they added when changed account type on their own. Account still not closed month later while they try to accumulate fees for account type they changed to