davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America Account ending in XXXX Bank of America Claim number XXXX Dear CFPB, I am submitting a complaint againt Bank of America because they have incorrectly resolved a dispute without reviewing all the documentation I submitted to show that I paid for an XXXX XXXX XXXX using a Mileage Award from XXXX XXXX. 

XXXX charged my Bank of America Card {$220.00}, whereas, my credit card was only presented for proff of identity and payment of any incidental costs, if I had incurred them. XXXX also charged me for gasoline, yet I returned the vehicle with more gasoline in the tank than when it was rented to me. This is evident from the receipt from XXXX ( See attachement ). 

Bank of America did not do any RESEARCH and incorreclty allowed the charge of {$220.00} to be my responsibility despite my request to dispute this transaction twice. 

I WAS ABLE TO CONFIRM that I paid for the service to rent an XXXX XXXX XXXX using my mileage Award from the American Airline Advantage Award program, I redeemed XXXX points. Therefore, I am submitting the same documentation to CFBP that I submitted to Bank of America. 

Bank of America wrote to me the following : " Our research included the information you provided with your claim, your account history, and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : Were unable to confirm that you paid for the merchandise or service using another form of payment. We requested, but didn't receive, information showing what form of payment, other than your credit card, was used. 

Weve contacted the credit reporting agencies below to add a comment to your credit report stating you disagree with our decision on your claim. Please keep in mind it may take up to 60 days for the comment to appear on your credit file. '' ABSOLUTLEY No comment should be on my credit report, and I want this removed.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

I have a saving account in Discover Bank. On XX/XX/18, I wired $ XXXX to invest a project. Due to some reasons, I didn't invest successfully. On XX/XX/18, The investment company wired the $ XXXX back to my account. 

In XXXX, I decided to use fund in this account as down payment to apply a primary house loan. Since there is only " Incoming Wire '' for the transition on XX/XX/18 in the bank statement, my lender requested me to provide info about who who sent the money to me. 

Although I only request Discover to provide the other party 's name for this wire transfer, I still don't receive anything after 3 weeks. Attached is the message between me and Discover for this request. The processing time is extremely and unreasonably long. It exceeds their promised processing time too. It impacts my loan application which is time essential.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NE)

seems like the superman plot, but I have a checking account with wells fargo and a credit card with Wells Fargo. I used their system to transfer funds from my checking to pay off the credit card. The money is instantly removed from the checking account but the payment takes several days to be reflected on the credit card account. So they are avoiding paying interest for a day on the checking account and get 2-3 days of interest charge the credit card. 
Maybe that's just how it works but it seems if there is a transfer from one account to another it should be reflected that way. Maybe it only adds up to a penny or so but not sure what magnitude this is
Consumer complaint received 2021-06-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (IL)

In XXXX of 2020, XXXX XXXX XXXX received my file and called me about past medical bills. 
I asked if I could do a payment plan and the representative said yes. It was assured to me that my credit would not be damaged if I made payment arrangements. I set up the payment arrangement. Every month on the XXXX XXXX XXXX XXXX automatically deducts the amount and last month they added derogatory marks on my credit. I have been consistent with payments and this was done without any warning.
Consumer complaint received 2023-03-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (LA)

After the forbearance period ended between the mortgage company and I ( XXXX XXXX XXXX etc ) the process to sell my home was rushed so that I would not be able to keep my home with all parties involved. Particularly The Louisiana Homeowners assistants fund and M & T bank. I submitted an application for the XXXX amount well before XXXX a long with all associated documents but my application was put in withdrawn status in order to push the length of XXXX and foreclosure process forward. Im also an XXXX with a XXXX and feel Ive been discriminated against. I tried on more than one occasion to handle the problem myself. The amount stated above would have cleared my balance so I could continue my monthly payments to my mortgage provider.
Consumer complaint received 2019-07-30
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: DISCOVER BANK (NV)

Hello. I reported many charges as fraud early XX/XX/XXXX, most of them from XXXX. Discover CHANGED MY ACCOUNT number and removed the charges. I noticed early XX/XX/XXXX that the charges were added back, and advised them of several hundreds of dollars of more of the same type of charges. I called and found out that it was due to the auto updater MasterCard uses. The agent told me he then placed a block on this merchant to stop the charges. Why wasn't this done in the first place? I said they were fraud. They also sent compelling evidence that the charges were from my son in my apartment. I do not have it with me to tell the specifics, or upload the docs they sent, but in the docs, it DID look to be me. However it was not. Please see prior complaint filed with Discover online for the details. All the evidence was correct info, but not current. The email info differed, as did the screen name and billing details. They had old information mixed with the new. The location of the IP address showed me. I am in an apartment complex and can see the wireless around me, so I'm assuming someone hacked into the XXXX. Something. Not sure. Regardless, the first time I reported the charges were not mine, and they changed my account number should have ended the charges either way. No one told me that they would come through on the new card as well. XXXX has been unable to locate any information whatsoever to assist me.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XXXX of XXXX, I paid the remaining {$270.00} balance on my XXXX XXXX XXXX card leaving me with a {$0.00} balance. The following month, XXXX, I received a bill for an interest charge on a {$0.00} balance. I reported the charge on XX/XX/XXXX and never heard back. The company continued to charge me late fees and report to XXXX docking my score XXXX points each time. This has totaled to roughly 50+ points. I sent a dispute through Transunion again which was in favor of XXXX XXXX XXXX. I then called the company ( XXXX ) on XX/XX/XXXX to ask about the charges. They instantly removed all charges however that does not correct my score nor have they removed the charges. My score was damaged due to false and fraudulent charges on a {$0.00} and falsely reported as " accurate '' when I filed my dispute with TransUnion both times. The company ( XXXX ) told me they would send a letter to TransUnion stating they were incorrect and to correct my score due to their false charges. I have yet to see any of that and I still see a late payment on my score. 
I have had this card for over 10 years and have never had this happen when paying the card off. This is unacceptable! Falsely adding charges to someone's credit card then lying to a credit report company is fraud and false reporting of one 's credit.
Consumer complaint received 2022-02-23
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. (GA)

I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are accounts that are misleading and incomplete. Therefore I request that you investigate these accounts listed below. 

XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$340.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$14.00}
Consumer complaint received 2018-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had this card for years and used it for my company to buy parts, fuel ... I had 4 or 5 different cards with various employees names on them same account. I called the credit card company and requested 3 more cards for additional employees. Gave the CC Co. the names and DOB of  the employees they said good your cards will be shipped, and they were and I received them. A few days later the cards stopped working, I called the CC Co. to find out what was going on and they said your account was closed, I said why and they replied because I had added new users and they could not verify the new users. I said you already sent the cards shouldn't you verify the users before sending the cards? They said the account is closed I asked to reopen and they refused. Then after thinking about it i realized it is a rewards card so I called back to redeem my rewards and was told to open a claim and they would review it. So I did. I was talking with XXXX and my claim number is XXXX. I asked how many points I had and she told me XXXX points. I asked what does that equate to in cash she said {$1400.00}. After they reviewed my claim I got a letter stating they are unable to redeem my points. I have a credit rating somewhere around 830 and there was no reason to close my account.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

CITIBANK , N.A . has failed to resolve in my favor a dispute for {$770.00} that was charged to my Citi Advantage Master Card. I had submitted to CITIBANK , N.A . evidence that confirms that I never received the product for which I was charged {$770.00}. Nevertheless, CITIBANK , N.A . collected its fees and benefit from this transaction, for which I received nothing. The Dispute Case No.is XXXX.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

In response to the XXXX data breach, I'm now freezing my credit and activating fraud alerts through the top reporting agencies : XXXX, Experian, and XXXX.

I have succeeded in freezing my credit with Experian. However, for no stated reason, they will not allow me to activate alerts online. Instead Experian requires I send a letter requesting fraud alerts filled out and mailed to them.

This is an inexcusable level of service. It is excessively onerous to ask everyone trying to protect themselves from the endless data breaches due to lax corporate security measures to mail in requests. And possibly an intentional deterrent on Experian 's part. Online account management is crucial for people to be able to monitor their credit through these agencies.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC (CA)

Account Number XXXX Knowledgeable employee of Parkside Lending : XXXX XXXX Loan Servicing Specialist Parkside Lending, LLC- NMLS # XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX http : //www.parksidelending.com Phone : ( XXXX ) XXXX eFax : XXXX Email : XXXX http : //www.parksidelending.com Team Email : XXXX Corporate office address : XXXX XXXX XXXX XXXX, NJ XXXX Initiation of inclusion of property taxes in mortgage loan XX/XX/XXXX. All property taxes paid directly to Treasurer / Tax Collector summary showing XXXX owed on my property taxes as of the date XX/XX/XXXX This is immediately preceding Parkside Lending withholding property taxes in an escrow account. I believe Parkside to be incorrect on 2 areas : 1 ) Parkside never properly began my beginning balance with a XXXX  balance.

2 ) Parkside is attempting to collect {$18000.00}. for an escrow account that only totals XXXX. 
3 ) Parkside is illegally forcing me into foreclosure by not accepting my XXXX payment for the last two months.

4 ) Parkside is illegally charging late fees on amounts I have not been late on payments.

Loan payment schedule determined by Parkside Lending as follows : Original mortgage payment, not including property taxes {$2300.00}. 

In XXXX, I requested an escrow account be set up on my behalf. At this time, Parkside Lending increased my payment to include property taxes to {$3100.00}. This allows {$830.00} to accumulate each month and be placed into an escrow account for Parkside Lending to pay my property taxes two times per year. This monthly amount totals {$10000.00} annually and my annual tax bill is {$10000.00}. 

I paid ( on time every month since inception of escrow account {$3100.00}. In XX/XX/XXXX, I received an increased mortgage payment ( includes mortgage, property taxes and escrow shortage account ) for {$3800.00}. I immediately contacted Parkside Lending and have received the run around for 4 months to no avail.

How can a mortgage Lender be allowed to increase a homeowner payment from {$2300.00} to XXXX = an increase of {$1500.00} per month? When this does not total the property taxes?
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: NAVY FEDERAL CREDIT UNION (VA)

Current customer with XXXX  XXXX Navy Federal Credit Union. The issue began to occur on Monday XXXX at the Navy Federal XXXX XXXX  XXXX Va XXXX I initiated a question about the XXXX XXXX XXXX at the Branch. It was stated that I can not use the card at Navy Federal ( per a supervisor ), but only for store purchases. The provided information given by the Supervisor was false/misleading to my knowledge that states more available usage than store purchases. I reviewed all of the guidelines for the pre-paid card, but was given a different version. As of XXXX I have been having several issues with my account log-in with resetting my password ( for both ( personal/business ) encountering multiple failed attempts to gain access, and I feel as thou my online/mobile app sign-in attempts have been compromised by the Institution ( NFCU ). No previous issues with my userid/password information other than temporarily unavailable services. I have been banking with NFCU for years this occurrence is very unusual. Customer rights, I called NFCU customer service requesting the name of the last associate to access my account. XXXX XXXX accessed my account on XXXX ( dont recall ) speaking to this person. I feel this is a privacy violation to access my account without a probable cause, or do not recall speaking this associate. I did attempt to make an always ( never missed ) on-time payment on my credit card that was due on today XXXX. I feel as thou my account has been tampered with, and my personal privacy act rights have been violated.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I receive 2-3 calls per day at my employer from Portfolio Recovery. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day Portfolio will continue to call using another Portfolio Recovery phone number.
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in 2015 I reported my car being broken into, wallet was among my personal belongings that was taken it include a fee debit cards n credit cards, social security card, driver 's licenses, a accordion that held my birth certificate pay stubs prior year income tax returns and utility Bill 's. The reason why all this documents were in my car because I had a employment interview the day before and had left my items overnight in my car. I immediately filed a police report, and since then auto loans, new bank accounts, credit cards have been made in my name and thousands of DOLLARS have been borrowed or used to make purchases in credit with my identity. I have contacted the Merchant like Bank of America, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and hundreds more that shows in XXXX XXXX XXXX XXXX XXXX and many other systems that I'm a high risk and that these accounts were used fraudulently by me. I contact these merchants on more then one occasions in person, via email, and telephone and the end result is that they belong to me and I have to settle the debt and now that I would like to open a checking account, make a major purchase or obtain credit I'm denied by all banks and lenders stating that I'm a high risk or don't meet the criteria because of what these merchants have stated on my credit report.
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

Resurgent Capital Services, Collector, under the name of Lvnv Funding, is reporting on XXXX Credit Reporting an account # XXXX due in the amount of {$680.00} which is paid, with the original creditor XXXX/XXXX under account # # XXXX which is reported by the original creditor as paid XXXX balanced.I need this account closed, It's false and need to be reported closed.Lvnv Funding need to do this now.
Consumer complaint received 2018-06-29
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC (GA)

I am applying for a home equity loan, and during the process, I was informed by XXXX XXXX that LoanCare is showing a lien on my property. I called LoanCare on XX/XX/XXXX, and received a copy of the release, dated XX/XX/XXXX for {$260000.00}, XXXX XXXX XXXX, page 1495. After careful review of the release, I noticed it incorrectly shows XXXX County, instead of XXXX County. The XXXX County Clerk of Superior Court does not have record of the release, so it seem clear the release was sent to XXXX County. I have spoken with a number of representatives at LoanCare, left several messages with supervisors, as well as completed a LoanCare Request an Advocate form online, but I still can not get any assistance resolving this matter.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NJ)

This complaint against Comenity Bank ( who now think they can distance themselves from their massive issues by changing their name to Bread XXXX ) is due to the fact that even though I paid all the valid charges of this account and shut off the cards associated with it, they are holding my bank account information hostage in their system. I am unable to delete my bank account information because they have posted fraudulent pending charges from XX/XX/XXXX XXXX  and XX/XX/ for over {$8000.00}. These are charges that were already been paid on time and in full. I contacted them several times by phone and through their message system, since the beginning of XXXX XXXX Their agent XXXX, promised that these fraudulent charges, that suddenly reappeared in my account, would be removed within two days ( that date of removal would be XX/XX/ ). As of today, the fraudulent charges remain stuck in pending and have not been removed. Because they will not correct this, it is preventing me from deleting my bank account information from their system. I am not leaving my account with my current bank account information in it for them to steal my money. 

Since their IT upgrade in XXXX XXXX their systems are a train wreck and they have continued to compound the problems by falsely promising resolutions within two business days and fail to do anything to resolve these issues.