davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened BOA XXXX XXXX account back in XXXX, but now they are forcing to convert this no-fee checking account to a fee imposed checking account, so-called XXXX XXXX. They were promised me that this is a lifetime no-fee checking when I opened it, but now they try to convert it. Call but no help at all.
Consumer complaint received 2023-02-07
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. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-11-29
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: AMERICAN EXPRESS COMPANY (NY)

I applied for the XXXX XXXX from American Express toward the beginning of XXXX XXXX. 

On my XXXX XXXX, XXXX statement it states that XXXX points were earned. 
The cardmember agreement attached herein, ( page 3 of 4 ) states, " We transfer the points you receive to  your XXXX XXXX program account after the end of the billing period in which you received them ''. 

I noticed that on page 5 of 11 of my XXXX XXXX statement, that the terms were to be updated as of XXXX XXXX, XXXX to- " We are adding language to clarify that bonus points will be posted to your XXXX XXXX account 6 to 8 weeks after the end of your billing cycle. To be eligible to earn the bonus points, your account must not be canceled or delinquent at the time of bonus fulfillment. '' As such, I waited 8 weeks and then some before filing this complaint even though this was not required according to the terms that governed my account at the time of my XXXX statement. Additionally, my account is currently active and is not delinquent. It would seem that American Express has not fulfilled their responsibilities in this matter. 

During this period, I did call several times to try and resolve the matter, to no avail. 

I have no recourse at this point other than to file this complaint. 

I have also seized spending on this account and redirected it to other credit cards that I hold that do award me the points or cash back that I was promised and am entitled to.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received an email from BOA about my credit line being decreased due to a past-due amount. This was confusing because the account was set for auto payment. Today I spoke with representatives from both departments, collection and customer service, and asked why the system didn't update to reflect the new payment for the minimum amount due. I also asked why is it that I did not receive a text, email, or phone call related to this change and the amount due. I have always charged $ XXXX to $ XXXX and paid it off the next month. I have never had an issue with paying the balance. 

I believe this issue occurred in XX/XX/2024. I tried several times to use the card and could not. I called Customer Service and they said there were no restrictions on the card. If there were an issue with the payment due it should have been stated at that time. Representatives must be knowledgeable and thorough when dealing with such issues. 

This ruthless and unethical behavior will hurt my credit score which will show that I used up approximately 90 % of the available credit. Therefore this will also make it difficult for me to obtain credit at a reasonable rate. If BOA has added late fees and reported this information to the credit agencies I demand that they resolve these issues immediately. I should not be penalized for their errors.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CO)

I was interested in buying a horse. I searched XXXX for horses for sale near me. XXXX XXXX showed up on my search. I contacted the site using a contact us on the website. A gentleman named XXXX XXXX emailed me back and was very convincing on buying and shipping me the horse I was interested in. After several emails back and fourth he convinced me to wire transfer XXXX  USD to an address TDBank in XXXX XXXX  Texas and to his accountant named XXXX XXXX. After the wire transfer I received a call from a friend in Arizona who said he had seen the same horse I was interested in on another site in AZ. I then checked XXXX and found this same guy had scammed thousands of dollars from innocent people like myself. I then emailed the scammer back and asked for a refund. Never heard from him again. I searched the fake website to XXXX and found the scammers address to be in XXXX. Please help to recover my money! Just so you know I filed a police report and also contacted my bank fraud department and filed with the FTC and FBI ic3 complaint. I have tried everything to try and get my money back to no avail.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Hello, Thank you for giving time reading this. 

I have paid off my entire debt with Chase Bank but at the end they have charged me an interest fees which they shouldnt as I hav paid off my credit on or even before the due date. 

I have called them and they said we can not remove this. 

Its an abuse and please help me. 
I paid on the due date of XX/XX/XXXX ( they posted it on that date ) And the due date is XX/XX/XXXX amount of {$87.00} I called them today as I have received the statement with this amount XX/XX/XXXX. 

Thank you for your help
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (MD)

Received notice from XXXX XXXX XXXX on XX/XX/21 stating they are representing crown asset management llc in regards to a debt collection. On XXXX XX/XX/21 I received an email from crown asset management company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (DC)

After 35 years of employment, my job was lost I filed chapter XXXX repayment plan and the mortgage company only reduced my mortgage {$27.00} monthly after giving my part time salary and the repayment which is XXXX monthly. They refuse to offer me nothing but foreclosure. I have lived in my house for 15 years and asking for temporary assistance and they refuse
Consumer complaint received 2021-07-07
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. (NY)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2018-01-03
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: Experian Information Solutions Inc. (GA)

This complaint is a response to Experian 's response to my original complaint. Complaint ID : XXXX Experian stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the XXXX XXXX ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, Experian is no longer showing a balance on the XXXX XXXX account and I have n't even made a payment towards XXXX XXXX. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.
Consumer complaint received 2024-05-12
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: SYNCHRONY FINANCIAL (MI)

I have a Synchrony credit card. {$2500.00} was charged on this card to a law firm that went out of business and fled ( scam ). The law firm did not perform the services for the {$2500.00} they received from the Synchrony charge. The lawyer and law firm were disbarred after dozens of complaints that the attorney took clients money and fled. I submitted copious documentation to support my dispute, however, Synchrony came back and said that " Required supporting documentation was not received '' I called and complained to Synchrony, and they stated that the dispute department does not share information, so Synchrony can not verify that they received any documentation. They also said that the dispute department does not have a telephone number. I have included this chat communication here. It seems Synchrony does not actually investigate disputes and just denies them out-of-hand stating that the consumer did not send supporting documentation when they did. I am out {$2500.00} and have to hire another law firm now and Synchrony is supporting this scam.
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (WI)

I woke up the morning of XX/XX/year> and saw there were unauthorized transactions on my Robinhood account A hacker sold {$65.00} of XXXX XXXX & {$42.00} of XXXX, they then bought {$300.00} of XXXX with funds in my account and then transferred the bitcoin to their own wallet. 
I immediately called customer service XXXX, they put a hold on my account and said that they seen the transactions and everything would be ok. 
After multiple follow ups waiting for the money to be put back in my account with Robinhood I was told each time on the phone they would look into it and then would receive and email from them that no further action would be taken.

I did NOT click on any suspicious emails prior to this, I did NOT give anyone my password or give them access to my account or do anything that would warrant someone getting in my account.

Robinhood 's security guarantee states that my money will be returned to me which they are refusing to do. I contacted them multiple times to try to resolve this. This is NOT a safe company to have any money invested with. The money I had sitting on the side in their account to use to buy stocks was NOT safe, it was taken and transferred to a hacker 's account.
Consumer complaint received 2021-07-07
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 (GA)

On XX/XX/2021 I used my Capital One credit card to send funds to pay for some airline tickets to a travel agent in XXXX. The travel agent required the XXXX service for this transaction. I was unaware that this is treated by Capital One as a Cash Advance, for which I was charged a substantial fee of {$100.00} ( {$53.00} + XXXX ). I was already charged an initial fee by XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the Cash Advance fees, I am also getting charged interest because of the Cash Advance. The interest rate for Cash Advance is 24.90 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Capital One would process this as a Cash Advance. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Capital One and they claimed they could do nothing for me. I feel that this is a UDAAP violation as a Deceptive practice, as well as Abusive. I am getting pummeled with a huge interest rate and will now continue to do so until I can pay my card completely down to {$0.00}.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

We have three mortgages that are now being serviced by XXXX. The original lender was a different lender. The terms of our loan is such that the interest rate far exceed what was standard at the time. We are paying nearly 12 % on one of them and almost 10 % on the other two. They were both primary residences at the time they were purchased and we were not told that the loans carried adjustable rate mortgages. 
The mortgage documents were never explained to us at all, nor were we given options. We were not told that the mortgages were adjustable. No part of this transaction was professional nor was it in line with the loan terms of the time. 

We are unable to refinance due to being self employed and they are now rental properties. Both homes are extremely upside down and we are not able refinace or alter the terms of the loan. 

The loans were structured in what can only be described as predatory lending. 

XXXX is the servicer and has even for years. We have tried to work with them and we do n't want to go through the many months needed for loan modification. We would like them to adjust the interest rate to something that is more in line with what the market was doing at the time.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

They have placed negative items on Credit Report. I have asked them to send me a invoice for these debts. They refuse to send me a invoice. My insurance said if they have a invoice they will pay it. They continue to call me. I have told them I wo n't pay it without a invoice. This item is over 7 years old.But because I do n't have a invoice I can not tell for sure.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper received my mortgage loan payoff on XX/XX/2020. Mr. Cooper was paid {$2700.00} over the payoff amount. Mr. Cooper shows this amount as an " escrow other. '' Today, XX/XX/2020, per their phone rep from Texas ( XXXX ), refunds can take up to 30 days. XXXX could not tell me when I would get my money only that it was in-process. The last refinance I did took less than a week for settled funds to be returned to me. 

Mr. Cooper is keeping customer 's money much longer than necessary and this is an outrageous practice especially when compared to other industry practice. I continue to wait for my funds. 

I hope CFPB will this issue in case this is a trend by Mr. Cooper. Mr. Cooper should not enrich themselves by keeping their customer 's funds and earning interest of these funds for longer than is necessary. I think Mr. Cooper needs a friendly kick in the pants so the company understands it should return settled funds promptly. 

Thanks
Consumer complaint received 2021-09-11
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. (CA)

a company i am not familiar with, XXXX, who has just got sued by 38 states, has me listed as negative in my credit report. when i write them and ask to validate, they send me back a letter saying it has been verified, 2 different things. the credit bureaus are nothing but rubber stamps for these lenders as they send me the same garbage saying that it has been verified, instead of sending me documentation it has been validated
Consumer complaint received 2017-11-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (NV)

This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX  Responded : " You should receive an update from the company within the next  15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. 

I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against me.
Consumer complaint received 2017-11-29
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: Experian Information Solutions Inc. (PA)

I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wfds 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 auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now com XXXX XXXX Srng XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-27
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. (FL)

A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I have contacted XXXX XXXX and informed them the debt from XXXX did not belong to me. In return, they sent a bill ; they DID NOT provide proof of a signed contract, signature or ID verifying that the debt is mine. XXXX XXXX  continues to report to XXXX this erroneous debt although they DID not verify nor validate the disputed debt. In addition they are reflecting this account was opened in XXXX 2016. I did not open an account and did not give anyone permission to obtain an account using my personal information and are not responsible for the charges they are reporting. This needs to be removed from my credit report in its entirety and not return.
Consumer complaint received 2021-09-11
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. (TX)

Ive tried to reach out to them regarding this loan XX/XX/2021. And yet to receive a response. In fact, within the class action lawsuit against XXXX University, we found out that they were involved in changing grades, enrolling unqualified students, and even counterfeiting legal documents so that their substandard plans would get accreditation. 

Thats some serious stuff and the idea why essentially anyone who attended any of their schools should have no problem in receiving their loans fully discharged via Borrowers Defense to Repayment.