davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Apparently, I made a simple error in my bill pay for Bank of America when setting the date for a cell phone payment. I was to be paid direct deposit on   XXXX   XXXX   XXXX    . I mistakenly put the date in to bill pay to pay  XXXX   XXXX   XXXX  as the  XXXX . This is the first time I have ever made an error like this in the bill pay system. As I did not have the money in my account on the  XXXX  because I do not get paid till the  XXXX , this caused an NSF fee of {$35.00}, even though the  XXXX  Bank of America 's computer system automatically tried to pay  XXXX   XXXX   XXXX  again and the payment went through because by then I had been paid. When I learned of this error on my part, I asked BOA if this fee could be waived, and I was told No. I was not given a specific reason, just that this fee refund was declined based on my history at Bank of America and that if the system did not allow the fee refund to be processed, I could not be given the fee back. I asked if I had had a specific NSF fee refunded in the last year or else specifically why I could not be refunded this ridiculously high fee. I was not given one so I am filing this complaint
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

After viewing a copy of my credit report, l noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I am writing to dispute the recent collection activity on my account, referenced by XXXX  I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter.

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt.

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts.

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies.

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

I do n't understand why PNC charges so much for late fees. I can see them charging just one late fee but a later at {$36.00} everyday plus a {$21.00} late fee plus {$7.00}. I just do n't think that right, because I was one time, every month I have had no money because of the late fees, of course they do n't care about this domino effect. I have tried calling them and complaining numerous times. They have not complied, They only tell you to get a pen and paper ledger. No how about you listen to your customers and stop charging them high amounts, I did not receive a phone call or any information. They do not reach out and contact you to even monitor your account, so paying anything extra is a waste. I wish someone would call me and actually grant some kind of justice against all these fees charged and set the mark on the right path with a loyal customer. Do what 's right PNC!
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX, we ordered a phone using our rewards points from our Sony Rewards Card with XXXX XXXX. The email states we will receive another email when it ships. When I called on XXXX asking for an updated status, I was told that they had no additional information on the order, and it has not shipped. On XXXX, I was told that the system was down for maintenance ( on a Friday afternoon? ), and no new information was available. On XXXX, we were told that orders can take 4-6 weeks for delivery. I feel this is a misleading and terrible rewards program and they are not clear on the timing of delivery upfront. They also provide horrible customer service and refused to provide any information when we called.
Consumer complaint received 2022-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (TX)

I transferred {$1000.00} to crypto.com. I changed my mind and didn't want to buy cryptocurrency. They won't let me withdraw my USD funds. They say I have to wire transfer another {$1000.00} in order to withdraw my initial deposit. They say it's for security concerns.
Consumer complaint received 2022-11-25
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: JPMORGAN CHASE & CO. (TX)

After settling for less and paying said amount. Credit card companies agreed to remove accounts from credit agencies ( XXXX, XXXX, XXXX XXXX ). My attempts at dispute were denied. Yes I explained of hardship after hurricane. And yes Ive done my best to pay each debt one by one, and not file a bankruptcy. Any help in this matter would be greatly appreciated
Consumer complaint received 2022-11-24
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: U.S. BANCORP (NM)

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for Crosslands of  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and Elan Financial Accounts. As, of XXXX XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. Elan, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Consumer complaint received 2017-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/XXXX, Closed on home and 1 acre of property. At the time of closing, the closing docs show yearly XXXX County, TX taxes at {$2000.00}. In XX/XX/XXXX, original loan was purchased by Amerihome mortgage company. Monthly payments were {$1200.00}, which included loan plus taxes, and insurances, projected for XX/XX/XXXX. In XX/XX/XXXX, Amerihome issued an over payment from the escrow account in the amount of {$1300.00}. Immediately called Amerihome, and they stated that all taxes and insurance were paid and that their records indicated our XXXX Co taxes are lower and this over payment was due to property owner. In XX/XX/XXXX, early XX/XX/XXXX, we were contacted by XXXX Co Tax Office via letter that our taxes for XX/XX/XXXX were not fully paid and they were going to put a lien on property if not paid in full immediately. The amount paid was only half to XXXX Co in XX/XX/XXXX. Immediately contacted Amerihome who initiated an investigation and determined that from XX/XX/XXXX ( upon buying the mortgage ), that they admittedly were not withholding the proper county taxes throughout the entire XX/XX/XXXX year. Their records indicated that property taxes were only half of the original amount, despite the closing documents reflecting, the annual taxes were {$2000.00}. We received a letter from Amerihome, dated XX/XX/XXXX after investigation completed, stating " escrow account is short {$2400.00} and must immediately be paid or monthly mortgage payment would increase to {$1500.00}. After several phone calls and emails to supervisors, no logical conclusion on why Amerihome 's failure to properly withhold the correct tax amount from the time they purchased the mortgage in XX/XX/XXXX, was reached. Amerihome has concluded that this is 100 % our fault and has offered no logical resolution, except, paying the entire {$2400.00} immediately, or spreading out the loss in the escrow account over a 24-month period, which has raised the monthly payment to {$1400.00}. Amerihomes failure to properly review and verify original closing docs, has now placed a significant financial burden on us, and the fact they have expressed no concern or remorse for their failure, has us now looking for a logical conclusion and resolution.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

I noticed my mortgage payment increased from {$1500.00} to {$1600.00}. This is nearly $ 120/month or $ XXXX/year increase. I called my insurance company and confirmed my insurance premium had not increased by that amount and it had not. I went online to confirm my property taxes had not increased by that amount and noticed that the XX/XX/XXXX tax bill for the city of XXXX had not yet been issued. Last year the amount paid was {$3300.00}. I confirmed this amount on the escrow summary I viewed on my mortgage companies ( Loan Depot XXXX # XXXX ) website. When I finally reached someone at Loan Depot to help me understand what was the cause of this increase in my monthly mortgage payment, I was told it was due to an escrow study that was completed in XX/XX/XXXX that projected a negative amount in my escrow account because of a tax payment that was scheduled for XX/XX/XXXXin the amount of {$3300.00}. This is the amount that I paid last year in atlanta city taxes but it was not paid until XX/XX/XXXX. Loan Depot has moved my expected tax payment date ahead by 5 months and as a result my escrow account monthly installments has increased to cover the alleged {$1500.00} shortage. I confirmed with the customer service representative that the funds had not been taken out of my account because i was concerned what was done with them because the county tax website shows that no amount is due nor does it even have an amount that will be due for XX/XX/XXXX. I asked Loan Depots customer service representative ( XXXX at ext XXXX ) to reverse the impact of this change to my monthly mortgage payment and return me to the amount that was previously being paid. HE said he would authorize my account to allow short payments until another escrow study could be completed. The time frame he indicated to complete that study was atleast 30 days. I expressed frustration with the time frame as well as the idea of short-paying my mortgage when they were not able to articulate to me why the projection had the payment being applied in XX/XX/XXXX for a bill that is always due in XX/XX/XXXX. This is the second time I have had an issues with this company and my escrow account. They failed to an installment between XX/XX/XXXX and XX/XX/XXXX and I subsequently incurred over {$100.00} in late fees which Loan Depot just paid out of my escrow account without notifying me. When i discovered this a year later it took filing a complaint with the CFPT to persuade them to reimburse me for the amount of lates fees that were paid from my escrow account because of their error. Please investigate this matter to the fullest because I can not help but think this is a predatory tactic they use to increase monthly mortgage payments on customers in an effort to charge fees and potentially foreclose on homes as a results of undue increase to peoples monthly mortgage payments.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

On  XX/XX/XXXX  i received an email from "  XXXX  '' saying the were now going to be my mortgage payment provider. Which i was shocked to read, to be honest i thought it might be a scam.     Then it turned out to be real. I logged onto  CitiMortgage 's  website to make my next payment and low and behold i have a {$0.00} balance on my loan amount.     I was shocked since i had not received any notification from  CitiMortgage th at this was going to occur or was given any opportunity in advance to refuse the transfer of services.     I  called CitiMortgage  on  XX/XX/XXXX  in an effort to get this corrected and continue to use them as my provider. They said there was nothing that they could do since the loan was already transferred. I asked to speak to a  " manager  '' and so they transferred me, to which did nothing. This is awful, the sad thing is they provided great service since i have been doing business with them since  XXXX . All i want to do is continue to work with them and not some cut rate shoddy company as they have " sold '' my loan.     I told them that i would file a complaint, which is what is being done now.     I did not give any consent for them to transfer my account to a different provider, nor did i receive any notification that this would occur.     I was told by  CitiMortgage t hat a " letter '' was sent, but i never received it. I asked if they had a signature for the receipt of the letter, and of course they did not. Apparently it was sent " general '' mail, so who knows where it ended up. Something this important should be handled with at the very least certified mail, but even better would have been a service like    XXXX    or  XXXX  that requires signatures and proof of delivery.     This new provider does not have the same options and benefits that  CitiMortgage  provided in the past, which is why i would not like to switch or do business with the new provider.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each times reporting different I am not under bankruptcy Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it Shows up on XXXX XXXX and transunion Requested how did they obtain the information To verify and send me copies never received a letter or proof
Consumer complaint received 2022-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (FL)

Mortgage Company : Lower, LLC When I first contacted Lower, I asked if they offered no closing cost HELOCS. I was very clear that I was not looking for a HELOC that didn't require cash at closing ( closing costs folded in ). The man I dealt with throughout the process said they did. After we discussed the project, he recommended getting a second mortgage for a portion of the amount, with a HELOC as a backup in case costs went over the expected amount. This made sense because interest rates are going up and we proceeded with the process. I received several disclosures during the process regarding the mortgage, which included normal closing costs. I do not recall ever receiving any disclosures about the HELOC. Additionally, at one point in the process, I asked if I should increase the amount of the mortgage and not get the HELOC. The man I dealt with said I should just go ahead with the HELOC in case there was a need for extra money, so I didn't have to go through the loan process again. In hindsight, this seems to be motivated by collecting an additional loan fee. 
I was also told that payments on the HELOC didn't need to be made unless we used money, so I was surprised to receive a bill with an interest payment. The lending institution sent me a copy of the HUD, which we did sign, with the closing costs on it. This was certainly an oversight on my part. I didn't look at it closely enough during the closing, but I wasn't expecting surprise closing costs to be added. Additionally, the closing was very rushed, but that's another story. 
When I contacted Lower, they said the origination charges for the mortgage were waived, but not for the HELOC. This was never mentioned during the mortgage process.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (PA)

i had signed up for   XXXX   XXXX   but i never completed or attended any of the classes. now they are charging with {$1600.00} at that they changed the open date to  XXXX   XXXX   XXXX  i signed up for   XXXX   XXXX   in  XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (OH)

Ad Astra Recovery Services , Inc. is reporting debt to all three credit bureau, but I never received a single letter from this company. I was never given 30 days to dispute the debt. I have know idea who this company is. I lived in XXXX XXXX for XXXX years and moved to XXXX in XXXX. Ad Astra Recovery Services has no proof sending any letter to me giving me 30 days to dispute.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TN)

I 'm filing a complaint because I have sent Diversified Consulta nts two  certified letters so they can validate a debt they claim I owe. The first letter was sent out on  XXXX   XXXX  which they received on  XXXX   XXXX ,   XXXX   at  XXXX . I never got a response. On  XXXX   XXXX ,   XXXX  , I sent another certified letter which they also received on  XXXX   XXXX ,   XXXX    XXXX .
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We have been trying to obtain a mortgage discharge for two months from Bank of America. They did provide us with a copy of a lien release but it was incorrect. We have been requesting a corrected mortgage discharge from Bank of America on a daily basis and we are not getting results.