davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (AZ)

I opened an M & T EZChoice Checking account on XXXX XXXX, XXXX. M & T advertised a promotion that promised a {$150.00} bonus after a direct deposit of {$100.00}. I have met the conditions for the bonus and when I asked a customer service representative when the bonus would post, she told me that the promotion was targeted to particular persons and that my name was not on the list, so I would not be receiving the bonus. This is not true, the terms made no mention of this being a targeted promotion and I replied stating this. A second representative replied to me and she changed the story, saying that the account was opened in a region that was not eligible for the promotion. The terms also made no mention of this. M & T should honor the terms of the agreement that they made with the customer.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

I have view my credit report and I see there are inquiries that I are unknown of. And I want them off my credit report. These inquiries are on Equifax and I dont know why they are on there. 
Existing inquiries : 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 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 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2024, I was charged two fees on my business checking account ending in XXXX. The fees were labeled " service charges- prior period '' - one was {$53.00} another was {$48.00}. I emailed my bank 6 times XXXX and each time he deflected and never addressed my simple question- why was I charged the fees and how can I stop them in the future. XXXX has said things like " my bank manager is looking into it '' and he has addressed other issues, and once said I should refer to the handout I got when I opened my account ( more than 15 years ago ). Finally XXXX said his manager would refund one of the fees, but they have not done that and they should refund both. I called the bank 3 times XXXX, never got through and never got a call back. I visited the bank and a teller took 10 minutes and said he couldn't figure out why I was charged and asked me to wait for XXXX. I waited and he stayed with other customers until I had to leave. I asked by email to elevate this to a manager. I have been communicating since XX/XX/2024, and feel ignored, I have asked to speak to a manager but have never. This is not the first time that my bank behavior has not changed but I've got sudden fees from Truist that Truist can not explain - its seems clearly predatory.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I went online to get a credit report thru Experian because I wanted to be certain an error in my report had been corrected. I understand that I am entitled to a once a year free report but they indicated there was a {$1.00} charge which I agreed because of its insignificance. Somehow in the application process they con you into an agreement that says in effect that if you do not cancel the membership within 7 days, there will be a recurring monthly charge of {$21.00} to the credit card required to pay the {$1.00} that is supposed to be free. Upon calling they readily agreed to cancel future charges but refused to refund the first month 's charge. THIS IS A TOTAL SCAM AND IS INTENTIONALLY DESIGNED TO GET PAID FOR WHAT IS SUPPOSED TO BE FREE BY LAW. These people need to follow the law or be put our of business as I suspect the number of people being scammed is substantially more than reported due to the relatively small charge. REDICULOUS!!!!!
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (SC)

Per complaint id : XXXX Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through. 

Update : XX/XX/XXXX I finally received the escrow money from Cross Country Mortgage and paid the taxes. However, I was promised reimbursement for the fines and my requests are being ignored. I followed up with the necessary evidence per the letter I received. The letter stated " submit proof of payment to our offices to request the reimbursement of any penalty fees paid. '' I submitted the proof of payment on XX/XX/XXXX and a detailed e-mail. I received no response from XXXX Mortgage. I called them today ( XX/XX/XXXX ) and they are now stating they need a signed letter from myself requesting the funds. This was never stated in any written or verbal communications with them. This is now delaying the process even further. I have submitted the signed letter today, but am told it will take at least another 15 days to resolve. This is on top of the 13 days I have already waited after submitting what was originally requested as the necessary documentation. 

I am opening another complaint in hopes that CFPB can help to resolve this issue.
Consumer complaint received 2017-11-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hypotec Inc. (NY)

I received a very deceitful mailer for a VA loan from a private company, Hypotec. It had the following features which would lead a reasonable person to conclude that this was not an advertisement : - The outside of the mailer opens like a check ( having to rip the tabs off the side ) - The outside says " Escrow Refund Benefit Allotment Notice '', leading one to believe there is a refund check enclosed - Inside, the document is nomenclatured as " VA-1211 '', like an official government VA form - Inside, header in big bold letters reads " UNDERSTANDING YOUR VA BENEFIT STATEMENT '' - Inside, phrases like " Your Economic Benefit '', " Benefit Allotment Notice '' and " Beneficiary '' are used in bold - Other features of VA official mailers are also used, such as notice numbers and notice dates in bold at the top - Disclaimer information in the letter is many times smaller than the rest of the associated font Any one of the features, in and of itself, is not fraudulent. However, together they show a clear intent to mislead Veterans into believing that they have received some sort of official communication. Veterans are often waiting desperately on official communications from the backlogged VA for basic medical needs and financial security. This type of advertising is cruel and predatory.
Consumer complaint received 2021-07-06
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: Absolute Recovery Services, LLC (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... AB RCY SVS ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MI)

I was approved for a XXXX XXXX dollar credit card from XXXX XXXX XXXX. From the first time I used the card I had problems. Whenever I try to use it I had to call in because someone would lock my account. Then navy federal closed my account with telling me why and still have not gave me any explanation on why they have shut the account out it 's been about 3 months now and I have yet to here anything on my account. Now they want me to pay money for a card that I was not able to use fully.
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We made timely electronic payments through XXXX XXXX Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points.

We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, XXXX  and Transunion a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One changed the terms of {$60.00} ANNUAL fee to a $ XXXX  MONTHLY fee. 
The obvious purpose is to get you to be " late '' for the fee so that a Service Late Fee can be charged. 
If this is missed, due to electronic payments, then a {$35.00} late fee gets missed and a 30-Day Late charge is sent to the Credit Bureau. 
Capital One has refused to reverse the report to credit Bureau. 
Credit bureau has refused to do anything about it.
Consumer complaint received 2021-10-05
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. (VA)

i have this negative remark in my credit report, by XXXX XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX  XXXX XXXX, ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America will not release my Funds. Due to no fault of my own. The XXXX in that account is the only thing left I have right now in this world due to my loss of Work due to a XXXX XXXX. I have not ate in over a week. Everyone wants something and no one wants to help me. They will not release my funds even if I file a hardship request supposedly due to Claims and BOA taking the side of the merchants that I have claims with. I have gotten XXXX from one of the merchants and trust me if there is a reason I asked for the funds to be given back by these merchants but they are not even considering the loyalty I've shown for the past 17-18 years. They are not releasing my funds and want me to wait until the XXXX XXXX XXXXXXXX. I've been waiting since before the XXXXXXXX XXXX XXXXXXXX. I have not ate since then.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHECK INTO CASH INC. (VA)

I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2016, I attempted to pay my credit card bill online. The Closing date on the account was XX/XX/2016. Online, I was told that there were " technical difficulties '' and I could try later. XX/XX/XXXX and XX/XX/XXXX are XXXX holidays so I can not " try later ''. I talked to Customer Service via " Chat '' who repeated that there were " technical difficulties '' and I should try later. I repeatedly asked if there was another way I could pay and did not receive a response to my question. I telephoned and the voice mail system was likewise malfunctioning. I should not have to pay late fees and interest if the Bank makes it impossible for me to pay my bill
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MS)

CREDIT COLLECTION SERVIC at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX has been sending me collection notices in the amount of $ {$440.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VT)

I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX  and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (GA)

We had purchased GAP Debt cancellation with this auto loan. The vehicle under this contract was totaled on XX/XX/XXXX Lendmark was paid by our insurer around XXXX XXXX. Lendmark called me to state they received our insurer 's payment and would begin filing the claim to the GAP insurer. Upon receipt of their XX/XX/XXXX letter requesting payment, I called to find out why we received this letter and the status of the GAP claim. It was at that time, when I was informed the claim wasn't submitted until the end of XXXX ( two weeks later ) and no follow up had been done with the insurer. When they finally followed up ( XXXX ), it was discovered there was missing information to approve the claim. By the end of XXXX, the claim was approved and paid to Lendmark Financial. We were told to wait 15 days ( XX/XX/XXXX ) to receive the necessary documents to show the contract was paid in full along with receiving a check in the amount of approx {$170.00} for the credit balance on our account. XX/XX/XXXX is the date both insurers used for payment which effectively is the date this contract ended. Lendmark continued to report to the credit bureaus knowing of the pending claim and payment. Instead of using the XXXX date, they reported and posted, in XX/XX/XXXX, the GAP payment which put our account 30 days past due. Their delay in, first filing the claim and second, not following up properly, delayed the payment by the insurer. Also, they incorrectly reporting to the bureaus put a negative remark on our accounts.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (RI)

I had a cash advance offer on my Citicard credit card which expired on XX/XX/2017. I paid the balance in full on XX/XX/2017 however when I received my statement today there is still a balance for the cash advance of {$370.00} which not certain why if the balance was paid in full. Statement billing period was XX/XX/2017 - XX/XX/2017 and I did have other purchases during that time but if I paid the outstanding balance in full why is there still a balance reflected in the special offer?
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I tried to return a defective product ( XXXX ) to Best Buy, but was told I was a few days past the very short return period ( 1 month ). I elected to pay only the minimum payment on my card until the issue was resolved. In spite of my XXXX notices to the credit card co., I was charged late fees which they 've refused to remove.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by the end of XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer. 
Citi claims they gave me XXXX points, however this was not the promotion promised to me on sign up. Citi needs to keep their promise and give me the XXXX miles.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Recovery Solutions, LLC (MD)

I started receiving calls from an aggressive debt collector from the phone number XXXX on XX/XX/XXXX

The " XXXX XXXX '' who called and kept leaving messages stated they were looking for a XXXX XXXX. 

I do not know this person, nor anyone with a name close to that, and have owned the phone number that they called me on for over 15 years. 

" XXXX XXXX '' kept calling me every few days, leaving the same hostile messages. Dates these messages were received included XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX 

On XX/XX/XXXX, I called " XXXX XXXX '' and informed him that no one of the name he was looking for could be reached at the number he dialed. He got irate, and accused me of lying. 

I then asked for the company name and address to send an official letter asking them to cease and desist contacting me. 

I was then told that " XXXX XXXX XXXX '' ( the name used in the precall recording identifying the call as a debt collector ) was not the company he represented and he refused to provide the information that I requested and hung up. 

I called back XXXX each time being hung up on as soon as the call was answered. On the third time, an irate XXXX XXXX answered again, asking in an aggressive manner what I wanted using demeaning/offensive nicknames based on my given name. 
I told him to stop referring to me by those names and to remove my number from his call list. 
He told me that had already been done, and I asked for confirmation of that. He refused and hung up on me again. 

I subsequently called " XXXX XXXXXXXX XXXX  '' at XXXX, and after explaining what happened, was told that the debt I had been harassed about was in their " XXXX, Washington '' office. The person on the phone was not able to give me any more information as they were locked out of that system. 

The customer representative gave me the phone number of that office to followup ( XXXX ). I have called and left a message, and have not received a response yet.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX