davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On  XXXX / XXXX / XXXX , I used the Credit Card to make a purchase for {$29.00}. The Credit Card due date was  XXXX / XXXX / XXXX . I paid off the {$29.00} on the due date and thought this was resolved. Fast forward to  XXXX   XXXX  and I began receiving calls from the bank that offers the card. I was told I owe {$88.00} on the card. I was very confused because I remember paying it off. I also had not been sent any letters via mail or email advising I still owed a balance.     Apparently, because I made the payment after  XXXX  on the due date (  XXXX / XXXX / XXXX  ) their system charge me a Late Fee after  XXXX  on the due date and subsequently posted my payment the following day  XXXX / XXXX / XXXX . Since then, they had been charging me late fees ( on the initial late fee ), and no one advised me this was happening. They advised they could not help me as it was my own fault for not knowing their company policy and I should pay my bills in advance rather than waiting until the due date.     I was left with no options by them so to resolve this nightmare, I closed my account with them while also paying the amount owed (  XXXX  ) I thought this nightmare would be finally over. Now on  XXXX  ( yesterday ) I received a call from them, advising I owed {$100.00}. Apparently, they assessed me even more late fees, and they said I paid the  XXXX  late. I explained to them that I paid what was owed online at the time I logged in as my account balance, as well as what thei r CSR said I o wed. No one could assist yet again.     I am reaching out here as my last attempt as I have never experienced such predatory practices. They make their own rules ( unfair cutoff payment times, not communicating due dates clearly to the customer ) and I am now charged over {$200.00} in late fees in total over a {$29.00} charge that was satisfied more than 6 months ago.
Consumer complaint received 2017-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (CA)

Sometime ago, long enough that I ca n't remember, I had signed up for an online subscription to "   XXXX   XXXX   '' magazine, not so much that I felt it was worth the money but more as a donation to support their efforts to present an alternative channel to mainstream media. I believe, the amount I paid was something like {$9.00} for a six month subscription. After a few weeks and reading some of their work, I decided not to renew my subscription after it was to expire a few months later and I cancelled it online. Even though I cancelled, I noticed that they kept sending me emails as if I was still subscribed. I responded indicating that I wish to cancel and they should stop this insensitive harassment. Then I received a paper mail at my home asking for money to renew the subscription. I replied in kind, with paper mail, that I wish to cancel my subscription and I did everything they made available to do so already. They should cancel and leave me alone. Now after many months, perhaps a few years, I get a letter from the  North Shore Agency c ollection service to pay them {$39.00} to settle payments to   XXXX   XXXX  . Given the long delay between my settlement of the issue with The Nation, I am now suspecting either   XXXX   XXXX   sold my personal address information to an unscrupulous " collection '' agency or they have developed their own means of intercepting such data and harassing consumers with modest amounts of payments hoping at least part of them will just pay rather than challenging their fraudulent attempts.
Consumer complaint received 2017-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Please see CFPB Case #  XXXX ,  XXXX  and  OCC Case  #  XXXX .   In  XXXX ,  Wells Fargo Bank ( WFB )  provides a refund on monies they stole under a previous case.  WFB fail s to provide an answer to my complaint in  XXXX . This is another example of the arrogance of WFB. Heres a summary of my original complaint th at WFB  arrogantly has failed to answer : Please see case number  XXXX  as it relates to this new complaint. I received telephone calls from  Wells Fargo  Bank on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and  XXXX   XXXX . I was able to answer the call on  XXXX / XXXX /  XXXX  . When I answered the call the caller advised that he was calling from a " recorded line. '' The caller 's name is  XXXX   XXXX ,  Executive Resolution Specialist with Wells Fargo  Bank. I advised  XXXX   XXXX  that I did not want to be recorded. He responded that he could not stop recording my call. I advised that the statute  ( Cal. Penal Code 632 )  in California regarding confidential communications was clear and that both parties had to consent to the communication being recorded. He again advised he could not stop recording. I told him that I specifically was NOT consenting to the call being recorded. It appears I can not speak with someone at  Wells Fargo on the telephone regarding confidential matters without being recorded. I believe Wells Fargo is v iolating the California statute regarding confidential communication recording. I specifically declined to the recording while on the call with  XXXX   XXXX . I did continue the call as there was no other option to resolve the matter in the above referenced complaint via telephone without being recorded. It appears I can not seek remedy under the previous CFPB complaint without consenting to being recorded. I am asking that the CFPB compel and orde r Wells Fargo  Bank to comply with the confidential communication recording statute in California. In  XXXX  #  XXXX ,  WFB ad mits they violated the law by recording my telephone conversation ( see attachment to Case #  XXXX . ) I would like  WFB to  address the complaint in Case #  XXXX  and provide a response.
Consumer complaint received 2017-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On   XX/XX/XXXX   I went to Citizens Bank to open up a HELOC. I was clear with the bank representative at the time that I just wanted to open up a HELOC and was already doing the rest of my banking at another bank. I did not want to open any additional accounts.     The bank representative said he could do a few things to help reduce my interest rate, which included :  1. Opening a checking account 2. Opening a savings account 3.  Making an initial withdrawal from my HELOC and then immediately depositing it back At the time I was hesitant as the bank representative did not seem completely knowledgable, as if they were new to the job.     They proceeded to open the checking and savings account and then withdrew {$25000.00} and immediately depositing it back. I again reiterated that i do not want to do any banking with Citizens and said I was not going to use these accounts at all and did not want to pay any fees for these accounts.     I am almost  XXXX  y ears old  and have never paid a bank fee in my life. It is a fundamental concept for me to not pay any bank fees.     The bank representative stated that the checking fee did have a monthly fee but that if I deposited {$1000.00} into the account it would meet the minimum to avoid the fee. So I reluctantly deposited the {$1000.00}.     4 years later, in   XX/XX/XXXX ,  I received a letter that my account was overdrawn. I called the bank and they explained that I was assessed a {$20.00} fee per month for 4 years.     I complained the bank and had series of frustrating interactions that had several inconsistencies, with bank representatives telling me one thing at the branch and another on the phone. I explained the situation and they ended up refunding me {$280.00} of the {$1000.00}. I have since closed all my accounts, including the HELOC.     I feel that Citizens Bank opened fraudulent accounts that I did not want and mislead me with the description of the bank fees. This seems very similar to the    XXXX   XXXX     incident where several accounts were opened for people to hit some sort of quota or bonus for the branch. Furthermore, the immediate withdrawal and deposit of {$25000.00} by the bank representative further shows some manipulative transactions.
Consumer complaint received 2017-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Lending Club Corp (TN)

On  XXXX   XXXX ,  2017  the company received a certified check that paid off the balance in full. The same day the company still proceeded to debit my checking account for an additional payment. So now they have received the payoff of {$18000.00} and an additional payment of {$780.00}. The account does not reflect a credit balance or show a refund due and they are holding my money. The account number is  XXXX .
Consumer complaint received 2017-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

On   XXXX   XXXX   XXXX  , I 've received a letter from  Social Security Administration  that I was not eligible for my  SSI  monthly check, because between    XXXX   XXXX    to    XXXX   XXXX    I have had more than {$2000.00} in my  JPMorgan Chase Ba nk account, allegedly.  ( Docs attached ).      Turns out, that only on    XXXX   XXXX   XXXX    I became a co-owner of my husband  XXXX  's account, number  XXXX . Then on    XXXX   XXXX   XXXX   , I signed my name out and  XXXX  returned to be the sole owner on that account.     I called Chase Bank a few days ago, twice, an d two differe nt customer service reps have run my SSN through the system and found out that I have had no history whatsoever with Chase Bank! Which is strange because I did have a joint bank account with  XXXX  between  XX/XX/XXXX  and  XX/XX/XXXX ! Nonetheless, it makes the case even stranger based on  Social Security Administration  claiming that I used to have thousands of dollars in my so-called Chase Bank account. If so, what happened to all my money??     M y SSN  is  XXXX   XXXX   XXXX  by the way.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00}.
Consumer complaint received 2017-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO. (MA)

To Whom It May Concern :  XXXX   XXXX  ,  XXXX  of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of  XXXX   XXXX   ,   XXXX  called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my f ather (   XXXX   XXXX   XXXX   ), an   XXXX  in  XXXX   XXXX , Florida who is more than   XXXX   XXXX   older than I am received a call from  XXXX   XXXX   ,   XXXX , but before they could reach him ( he was  XX/XX/XXXX  ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was  XXXX   XXXX   ,   XXXX .     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that broke the camel 's back : I examine my credit card statement, and without my knowledge or consent,  XXXX   XXXX   ,   XXXX  has begun charging my new   XXXX   XXXX   credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertion in various venues for years. ( see attached screensho ts ). These  disputes have not led to any determination of responsibility. In short,  XXXX   XXXX   ,   XXXX  violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (CA)

There is a major discrepancy being reported on my criminal record! I have NEVER been arrested for  XXXX  and the name on the report is pertaining to someone named,  XXXX    XXXX    XXXX !!! I have asked this to be corrected previously with no luck.     Search ID #  XXXX . Please correct ASAP!
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (CA)

My name is  XXXX   XXXX   XXXX , I ca n't get approved for a job or an apartment because my background check has someone else 's record. That person is my twin brother  XXXX   XXXX   XXXX . We both have different social security numbers. I only have  XXXX  covicton of   XXXX   XXXX      back on the disposition date :  XXXX / XXXX /   2012.       XXXX  and  XXXX  was  XXXX  company that went through    XXXX   XXXX  s back  ground for employment.
Consumer complaint received 2017-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a settlement agreement with  XXXX   XXXX  #  XXXX ,  ( A Capital One account #    XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX    XXXX   have call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CO)

I had contacted Discover in regards to opening a second discover card and was told my first account would need to be open for 12 months to be eligible. I met these requirements so I applied, I then received an immediate denial stating my first card had been opened too recently. When I called them they informed me I was declined because my first account has to have ha d 12 bil ling cycles completed.     When I informed them that I met these requirements as m y 12th  Billing cycle had ended the week before, they started backpedaling and changed their mind on why I was denied. I have called back twice now and both of the representatives and their managers all gave me different information in regards to my denial despite the fact that my only reason for being denied ( on the denial notice ) states that I have n't had my first account long enough. Eventually they settled hard on changing their mind and telling me that it is actuall y 13 billing  cycles, a nd the 13th cyc le will have to already be reported to the credit bureau and available to be viewed by them.     Despite them  ( several different employees ) misleading an d lying to me, they refuse to have anybody manually review the application to tell me why I was actually declined. They instead are encouraging me to apply again in the future but ca n't tell me when I will actually be eligible. I 'm not sure I would trust this information anyways as I had already asked and been told the wrong thing.
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On XXXX/2017 I was charged {$41.00} for my XXXX XXXX XXXX  gym membership. The debit should not be automatic, the amount should be {$40.00}, and the debit should take place on the XXXX of the month, but not at all because I manually pay in person.
Consumer complaint received 2017-05-15
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: EQUIFAX, INC. (MD)

I have contacted The Credit Bureaus numerous times starting  XXXX     2016 thru    XXXX   advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (KS)

I am enrolled in automatic payments so that I can avoid late charges on my account. During a special low APR period I chose to make the minimum payment on my card because there would be no interest. Now that the trial APR period is over, I wish to make payments in a higher amount than the minimum, but not the entire balance. The online auto payment only gives the  two o ptions : minimum payment and full balance. I feel this is unfair to the consumer, encouraging the minimum payments on the credit card, costing the consumer the maximum amount. I have many accounts that allow a different amount than the minimum or entire balance. I calculate how many billing cycles will be needed to pay the balance and figure the monthly payment. They refused to change the online option and I was told this was standard for all their credit cards. I told them I would be filing a complaint with consumer finance. I feel this is set up for them to make more money and they could easily make this change for their online customers. Auto pay has saved my credit because I am never late on payments. However I also have good credit because I never make minimum payments on high interest credit cards.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: P&B Capital Group, LLC (CA)

My name is XXXX XXXX and l am experiencing constant attempt by a person named XXXX XXXX from P & B Capital Grop LLC. Urging me to contact him to avoid delinquent trade line report. Which, I have no idea what this is all about. 
Below is the text message sent to me today XX/XX/2023 at XXXX from a phone number ( XXXX ) XXXX. 

I have in the past have been the subject of scammers and I do not wish to make calls to persons such as XXXX when I have no idea why I need to make contact. 

XXXX XXXX, please call P & B Capital Group LLC at ( XXXX ) XXXX for file # XXXX to avoid a delinquent tradeline report. Stop to Stop Thank you for your assistance. 
XXXX XXXX
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

I was informed my Amazon that I would have 1 year from the purchases to not accrue interest on my account with the purchases that bought. When I came home today I found out that Synchrony does not agree with this. Amazon is informing customers of this and it is against the SEC and FCC as well. I have tried to talk with MGR  XXXX  in Kanasas operator  XXXX  and is quite condescending and rude. I asked him if he was a robot then tried to belittle me or berate me. I have been with Amazon for a very long time and I am saddened to say that they are misleading and liars. I would like them reviewed as well as Synchrony Bank on this issue. It seems that they are more than happy to get you in the door but when it comes to actually servicing you, you are kicked to the way side. I tried to get it resolved and informed them I would be filing a CFPB complaint and going forward from there.
Consumer complaint received 2017-05-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Avadyne Health Holdings, Inc (MI)

XX/XX/XXXX     - negotiated total out of pocket expense with medical provider.    XX/XX/XXXX  - billed {$280.00}, in addition to insurance payment, for previously negotiated  XXXX .    XX/XX/XXXX  - disputed collection attem pt b y H & R Accounts c iting the Fair Cre dit Reporting Act US C 1681s-2.      XX/XX/XXXX   -  H & R Ac  counts re ported non-payment of disputed debt to  XXXX ,  XXXX  and  XXXX .  H & R Accounts   did not indicate in their report, in violation   of the Fair Credit Reporting Act, that the debt was disputed. Following is the relevant excerpt from the act :  605.  Requirements relating to information contained in consumer reports  [ 15 U.S.C.   1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ]     that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.     I 've info rme  d H & R Accounts th at they are in violation of the Fair Credit Reporting Act and asked them to remove the reports.