davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The following has been submitted to Bank of America VISA credit card disputes department. XXXX duplicate {$77.00} charges and XXXX {$82.00} charge were made from XXXX XXXX XXXX in XXXX on XXXX XXXX, XXXX. The {$82.00} charge was correct but the XXXX {$77.00} charges were a mistake. The paper was jammed and the charges were submitted three times so another charge was made at the restaurant bar for {$82.00} ( {$5.00} was added since XXXX person did not qualify for the XXXX discount ). On XXXX XXXX, XXXX I had asked for the XXXX {$77.00} charges to be refunded but only XXXX was refunded. In XXXX XXXX and again in XXXX XXXX I called about not receiving the other XXXX refunds but nothing was done. I called again XXXX XXXX, XXXX and was asked to write a letter because the agent " could n't do anything about it since it has been more than a year ''. The reply to the letter and a phone call to Bank of America credit card billing disputes department was that they could not see the statements as far back as XXXX XXXX and therefore the case is closed. I pointed out that a statement is being mailed to me so why could n't they see the same statement. The agent asked his supervisor and was told that the case is closed and I would not receive my refund. I have been a customer with Bank of America since XXXX.
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2016 I notified U.S. Bank about fraudulent activity on my account which took place with a debit card. During the same phone call which I reported the fraudulent activity that U.S. Bank customer service representative who I was speaking with decided to put a restriction on my checking and savings account, this did not allow me to do any type of transactions. 

It was set to close within a certain amount of days. I was told that I will receive a provisional credit 10 days after I filed the dispute which the bank is required to do in accordance with federal regulations. I went into my local branch to withdraw my current balance and I was unable to make the withdraw until I closed my previous checking account with U.S. Bank. 

So in order to receive my current funds I closed my account and reopened a new checking account. I was told that the provisional funds that I was required to receive would be deposited into my new checking account which did not happen to date. 
I was notified that provisional funds were sent out to me on XXXX XXXX, 2016 but they did not go to my new account instead they attempted to deposit the money into my old checking account which I was forced to close. I have contacted US bank fraud department multiple times and an attempt to fix this issue so they make the deposit into the right account but they do not seem to be able to determine where the money was sent out to. I have been bounced around and spoke to multiple customer service representatives within the fraud department at U.S. Bank but I have been unable to get a resolution. 
I have been told that I would receive a paper check or that they will deposit the credit into my new account that neither of these appear to be true and correct statements. It has been 10 days since I made the report and I have yet to see a resolution of my claim or the provisional credit as required by my bank in order to comply with federal regulations. 
Routing Number ... XXXX
Consumer complaint received 2015-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

On XXXX XXXX 2015, I notified US BANK that I was closing my account and that I was transferring my recurring bank drafts to my new one. On the same day, I notified my linked credit card with US Bank and closed the account. There was approximately {$50.00} left in the US Bank account and I did n't make any deposits because I had successfully transferred all of the bank drafts to my new bank account, additionally, I did n't have any outstanding checks. On XXXX XXXX 2015, US Bank paid a bank draft to XXXX XXXX for the amount of {$220.00} even though there were insufficient funds to cover it. When I called US Bank I was told that the account had never been closed as I had requested. They would not close it until I paid the new balance at my former bank account. It turned out that the creditor XXXX XXXX had been paid twice in XX/XX/XXXX, my new bank paid them as I had requested. US Bank had a record of my contact with them on XXXX XXXX and the representative actually asked me why I was closing the account. They still have activity on the former account, I have n't used it at all. As far as I 'm concerned it is closed. I sent them a letter that once again told them that the account was closed at the consumer 's request. 
I 'm asking that they closed the account and dismiss all of the charges that they have added. 
Thank youXXXX XXXX
Consumer complaint received 2015-11-12
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (TX)

On XX/XX/XXXX The company rush card claimed that my debit card had been compromised although the card was and has been in my possession. I made XXXX transactions on XX/XX/XXXX XXXX to XXXX XXXX to pay my cellular phone bill and another at XXXX for breakfast. Around lunch time me and a few coworkers went out to a restaurant where I was embarrassed due to my card declining from Rush card placing a " HOLD '' on my card. I was on the phone with the company 's customer service representatives all day since that moment and I was placed on hold for XXXX minutes in between constantly calling back to back for answers speaking to a total of XXXX agents ( XXXX supervisors ) getting NO HELP AT ALL to resolve my dreadful issue only to be told they 'd have to mail me out another card which will take a few business days and I can not access my money whatsoever. This is Absolutely redundant and I am extremely inconvenienced. I am NOT happy with Rush Card and I have been a customer since XX/XX/XXXX.
Consumer complaint received 2015-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit is calling my unlisted land line at home several times a day. I am on the National DO NOT CALL list. Midland does not leave a message on the answering machine. A few times I picked up the phone and said nothing. After a minute or two, the call disconnects. No one from Midland ever says anything. This started around XXXX/XXXX/15 and continues through today ( XXXX/XXXX/15 ). I do not owe any money or have unpaid bills. A debt collector should not be harassing me like.
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MN)

XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX XXXX offers an email stock option recommendation trading service, which recommends option purchases every Friday morning before something like XXXX XXXX XXXX. The offer, which I responded to was four weeks for the price of one week with an automatic renewal at {$79.00} per month. They also warn that there are no refund if the automated renewal is executed. 

As I enrolled after XXXX XXXX. XXXX on XXXX XXXX, 2015, my first set of recommendations came on XXXX XXXX, the second on XXXX XXXX, the third on XXXX XXXX, and the fourth and final set on XXXX XXXX. On XXXX XXXX, which was a Sunday, they charged my credit card the {$79.00}. 

My complaint is 1 ) as they know that they will not give refunds on the automatic charges 2 ) as they provide us the recommendations via our email address Why do n't they email us a reminder that they are going to submit the {$79.00} charge, especially to senior citizens like my self, who get distracted and forget. Also, the first set of recommendations under the {$79.00} would have been Friday XXXX XXXX, 2015, so they could have email a reminder. Also, they use a third party payment processing company. I called that company and requested that they have someone from XXXX XXXX call me. That never happened and my credit card company was unable to get them to issue me a refund.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

SUMMARY : As a prospecting Home Owner in XXXX, I wanted a local bank in the region of metro XXXX, XXXX to finance my home - I chose XXXX Bank and upon processing my loan to finance. I wanted to feel the need to if I had any questions about my loan or any circumstances of my situations, I had the pleasure to walk into the bank itself. My loan was sold to US BANK in which I had no control of. Since the transferred of the loan, I have not received the adequate of services of this lender. This loan servicer is located in the State of XXXX in which is not accessible for me. With a local bank that is accessible in your area will allow you to incorporate the questions and concerns of your mortgage - to have someone to speak in person says a lot to handle the future of your home. I was deprived of that by force ... not by choice. According to US BANK, I have been calling a CALL CENTER and spoken with a dozens of individuals in which half of them told me something different other than what the others said ... no consistency at all!! This is not a call center whereas I pay my phone bill, credit card, or check on my banking account - This is my home, my shelter, my dwelling!! My intent is to save my home, however, with dozens of denials from US BANK and too many inconsistencies based upon the documentations has really been appalling. The last Relations Manager on my account - XXXX, did not work effectively or efficiently for me to save my home. She was rude, very loud talking, and spoke with hostility in her voice. I have several times to ask for a new Relations Manager, however, I resulted back to her to contact. I was told I did not have enough income ( XXXX documented ), but yet, to work a second job and was told I made too much for a modification on my home ( XXXX verbally ). Majority of all documents ... at least 75 % would not contain any signatures or names. My original loan payment of {$1400.00} began XXXX/XXXX/XXXX - my ending mortgage payment of {$1400.00} is XXXX/XXXX/XXXX ... .where is the assistance or real modification?? How can one receive documents that you were denied without a signature or name of who denied you - How can one be approved for $ 10- {$30.00} dollars off your monthly mortgage without a signature or name of who approved you ... .only to say ... Sincerely, The Resolution Default/Loss Mitigations Department XXXX Too many inconsistencies, speaking with too many individuals and the bias decisions has led me to this point of mayhem!! 

Sincerely, Damsel In Distress
Consumer complaint received 2016-05-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

I would like to lodge a formal complaint against my servicer, U.S. Bank & their attorneys, XXXX XXXX XXXX, XXXX. 
I received the attached Fair Debt Initial Communications Letter from XXXX XXXX XXXX, XXXX on XXXX XXXX, 2016. It clearly states that I have 30 days from receipt of their notice to dispute the validity of the debt or any portion thereof. It further states that if they do not receive a dispute from me, they will assume the debt is valid. I wholeheartedly dispute their debt allegations & have submitted a validation/verification letter to their attorney, XXXX & XXXX for further explanation. Please note I did not receive a Notice of Default unless that is what htis First Communications letter is purports to be. 
Then, on XXXX XXXX, 2016, one ( 1 ) day later, I receive a Notice of Sale scheduled for XXXX, 2016. Clearly, they assumed the debt was legitimate within a day as they elected to send a Notice of Sale prior to the 30 days passing. They never gave me the opportunity to respond. 
Additionally, over the last two months, I have submitted my Loan Mod Package for consideration 4 times & my mortgage assistant representative keeps telling me via email that they have not received it which I do not believe as I have mailed, faxed & emailed it. And, even though I am eligible for a mod, they keep refusing to give me one. They have added a ridiculous amount of fees to my account over the years without explanation. And now, after all this time, I see that my mortgage amount has decreased. I am not certain why they increased it so much in the first place. Also, there are many accounting errors in my file that they refuse to address. I assume someone made them finally take a look at it. 
I am totally perplexed as to how U.S. Bank & their representatives continue to deny modifications, claim to have lost paperwork & request it over & over again ; conduct all kinds of questionable as well as illegal practices ( i.e. foreclosing on homes that are not the party in interest ; using fraudulent mortgage assignments ; XXXX loans that never were timely placed in a trust ; refusing to disclose the trust name to a homeowner at several written requests ; refusing to respond to question on QWR ; TIL violations, etc. ) & get away with a slap on the hand. I have plenty of documentation to back up every allegation I have asserted & more. 
I respectfully ask that someone of authority have a real look into these matters & that U.S. Bank & their representatives follow the rules & laws implemented. After all, since they are attempting to conduct a non-judicial FC based on a Power of Attorney signed without me having representation, the fact that they are not the party in interest as required in Georgia to conduct a non-judicial FC ; the Mortgage Assignment clearly is fraudulent ; XXXX XXXX XXXX issues, etc., they should be duty-bound to proceed within the rules & not be allowed to continuing stealing homes that have no legal right to. 
Their repeated actions seem to have no viable consequences for them.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NV)

My mortgage was sold to MyLoanCare. Since that time, they failed to provide me with an accurate account number, did not notify me of my insurance policies which were not renewed, tried to charge me for a month of payments from before they purchased the loan, have paid my taxes late two times and are refusing to provide me with documentation that they did not charge the late fees to my escrow accounts and now are refusing to remove the lender imposed flood insurance from account and have charged me another month for the insurance that I do not need. I have provided the requested XXXX letter to both Myloancare and XXXX and they will not respond to my emails. I just tried to call them to resolve the problem. They are asking for another copy of the letter, which is readily available online at XXXX. In the meantime, I have been charged another month of insurance payments. I have exhausted all of my options and need help. Thank you in advance for your assistance.
Consumer complaint received 2017-01-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

this company has been calling me for years using so many different numbers its hard to keep up with, they have used up my home phone messages so many times and so often i do n't even use my land line anymore. i use a cell phone that belongs to a third party and is n't recorded anywhere in my name, somehow they got that number and have started calling it. i am a XXXX veteran now living alone, i may or may not owe this debt, i filed ch XXXX XX/XX/2005 but found out later my wife kept some cards and accounts i did n't know about. she left over 2 years ago and i h ave no idea where she is. these people send me several letters a week and have called so often over the years its driving me crazy. i used to argue with them but sometimes its computer generated, when its a person they wo n't stop talking long enough for me to say anything, when i get mad and curse at them they talk over me and tell me its illegal to speak that way on the phone and that im being recorded.
Consumer complaint received 2016-05-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WV)

I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.
Consumer complaint received 2016-09-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This company did not properly follow the decree set forth by the CFPB. They continue to harass me. I am on social security and recently suffered a XXXX XXXX. This debt was iin dispute originally. There was no chain of custody provided other than a bill of sale. Portfolio Recovery relied on in house verification
Consumer complaint received 2016-07-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates sued me in District Court in XXXX, AZ. I challenged the suit and they immediately dismissed without prejudice. They continued calling me numerous times after the lawsuit was dismissed and placed an entry in my credit report. This tradeline was challenged as well but the credit bureaus refuse to remove it.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (OH)

I have received calls for several months XXXX saying I owe money from a debt, or old payday loan, or a bad check. They will not give me information unless I give them my social, and other information. I do not owe late/unpaid money to anyone, have never received any notice by mail, and my credit report is clean. They have threatened arrest, subpoenas, and are now calling my parents and siblings. They almost always have a different phone number to call or that they are calling from. They will not give me their address, or the company they are " arbitrating '' for. Their calls get increasingly hostile and their voicemails state that if I do not resolve it they will render a decision against me. I keep telling them to do that since I owe no money, but still they call stating the same thing.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

As I explained before ... .your " investigation '' is totally irrelevant to the law. The consumer is NOT REQUIRED to prove they were robbed because that is impossible ( the burden is on the BANK ). Every response provided here will be used in court. Regardless of whether the police report aided your investigation or not is NOT my problem. I was robbed and the main reason anyone keeps money in a bank is for the bank to provide protection against theft. You are required BY LAW to refund the money or take me to court for fraud ( I welcome that ). Every response you provide will only be further evidence the institution is intentionally avoiding federal consumer law. You are wasting my time. Have your legal department call me or my attorney or we will file in court and request maximum damages plus attorney fees and hand this judgment over to an experienced trial attorney who will file a class action and subpoena all the records of claims vs denials. The law is written specifically so the bank can not deny claims by attempting to place negligence on the customer. Not only is this theft by the institution, but an attempt to avoid your own failure of lax security measures. This will come out in court if you choose this route.
Consumer complaint received 2015-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been contacted by Portfolio Recovery Associates in regard to an alleged debt to XXXX XXXX of {$610.00}. I am a XXXX year old man, never been to XXXX XXXX, never had an account there and have been divorced for over 10 years. I am also on XXXX. They have sent paperwork, requesting numerous forms of private information and identification. I am not willing to provide them with this information. This is not my debt. I believe this be a fraudulent misrepresentation in order to obtain personal and private information and to extract money under false pretenses. Their phone number is XXXX.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

They continually put a fraud hold on my account even though Im standing at the register with my card in my hand verifying 20 different ways on the phone with them they still hold my money XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that handle customer service do this intentionally as an intimidation tactic they are XXXX  and citi is just as XXXX of a company. Im out of town with no access to my money bc of this XXXX of a so called bank. Theyre a bunch of XXXX XXXX