davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The company keeps raising the mortgage payment not in accordance with the agreement schedule given to us. It started out 2 years ago with a payment of {$1100.00} and now its over {$1400.00}. This is a loan modification which was a HELOC loan number XXXX where the payment became {$3200.00} at the 2nd phase of the loan.It was impossible for us to pay the XXXXThe load mod was supposed to give us relief. Moreover over payments were put into principal pay downs which were not authorized by us.Further they harassed us with the house insurance ( they said we had none... we sent the declaration page to them ) which we have had since 2004 threatening us to charge us for the insurance we already had.We have all the phone calls and statements and agreements documented but since we have had a death in the family have not had an opportunity to send it all to you.We have been on the phone with BOA for hours and still nothing has been done, Just fake promises.
Consumer complaint received 2016-06-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (NC)

I recently looked at a copy of my credit report and seen that I had a collection from Medical Data systems. I wrote Medical Revenue service concerning account XXXX for the amount of XXXX. As explained in the letter I have no knowledge of this account and ask Medical data systems to validate the debt on XXXX XXXX, 2016. I waited patiently 30 days for a reply. Again, on XXXX XXXX, 2016. I sent second letter asking Medical data systems to validate the debt ; still to this day no response from Medical data systems so by law this should be deleted. Ignoring request is not validating the debt. As stated in my second letter I will be contacting the Attorney General 's office to bring this problem to the surface and I also will make a claim in court for defamation of character. This is a fraudulent account and beside when did Medical Data systems extend me any credit. I never signed or verbally agreed to any contract with Medical data systems. I want this frivolous account deleted from all three credit bureaus.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NJ)

I sent out an international wire on XX/XX/XXXX through TD bank US to a XXXX in XXXX. It has been over two months and the receiver still has not received the money yet. There's an investigation for TD bank to trace the money. I have followed up with TD bank multiple times but there's still no result of where the money is at this moment. 

- XX/XX/XXXX : initiated the wire transfer - XXXX : additional information requested by the interim bank to complete the wire. It seems like the wire went through additional security check. Additional information requested was all related to me ( my name, address, date of birth, place of birth, citizenship, country of permanent residency, ID, purpose of payment ), which I believe should all be on file. Is TD 's lack of due diligence on the wire causing the additional security hold of this wire? 

- Around XXXX : after following up with TD multiple times and waiting for the case to be investigated, I went to the branch and I was told the money would come back to my account because the swift code was changed from the receiver bank to TD 's swift code and the money should be deposited in my account by the end of XXXX. 

- XX/XX/XXXX : the money is still not deposited into my bank account. I called the customer service around XX/XX/XXXX and I was told the money was received by the receiver on XX/XX/XXXX. On XX/XX/XXXX, I went to the same branch I went on XXXX and I was told the money should be received by the receiver. I asked for a receipt or proof and the representative told me the manager was not around so he didn't have the access to print out the proof. He told me to go to the other branch and the other branch should be able to provide a proof. I went to the other branch and I was told the investigation doesn't have a result and was closed on XXXX without knowing if the money was received or not. The investigation was reopened. - I have been receiving the misleading information about the status of the wire from the first branch I went to and it caused further delay of the money being traced. 

- XXXX : I contacted the customer service and the investigation is still going on. It has been two months and the money is still not deposited into the receiver 's bank.
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

while checking my EXPERIAN CREDIT report, I noticed unauthorized and fraudulent credit inquiries made by CAPITALONE on or about XXXX/XXXX/2015 & XXXX did not authorize anyone employed by this company to initiate any inquiry and/or view my credit.This action by CAPITALONE has violated my FCRA Section 1681 b ( c ), without cause or justification, to which constitute a serious privacy Act Rights violation. 
I have personally requested from this company to permanently delete this information and/or send me any signed authorization from me as evidence within five business days.To this extent, CAPITALONE has ignored my request and in addition has failed to respect the process as required under the FRCA.
Consumer complaint received 2016-04-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (ID)

Back on XXXX XXXX I made a payment plan with CashNetUSA and was told that as long as I made a payment of {$38.00} for the next year that I would be good. Well that was nor not the case on top of the {$38.00} payment that I made they said they were to take out another {$100.00} on the XXXX.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a {$38.00} payment for the next year to get the loan paid off I never agreed to have them take out an additional {$100.00} a month on top of that payment
Consumer complaint received 2020-06-20
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: Santander Consumer USA Holdings Inc. (AR)

I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XX/XX/XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Consumer complaint received 2024-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One QuickSilver card refuses to honor a chargeback where services weren't rendered. We booked a hotel that advertised a city-view ( and showed the pictures of an outlook facing a city from a high floor ) and were given a second-floor view that faced garbage cans, a tree, and an alley. The hotel, XXXX XXXX, in XXXX, XXXX, confirms this. 

I contacted QuickSilver, which asked for more information. When I provided it, they reply within minutes, notifying me of a rejected dispute. It's clear that they are not even viewing the info., merely siding with the merchant. I have provided everything they have asked for. The only receipt I have from the company is the receipt sent to me by booking.com. The hotel issued a small piece of paper written in XXXX as a receipt. I submitted this as well, and they are not acknowledging any of this. I am disputing the XXXX dollars and I would like my money back.
Consumer complaint received 2022-09-05
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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (CA)

To whom it may concern, My personal financial information was utilized without my permission or knowledge to obtain credit, items, or services on the above-mentioned account. Please release me from this debt and alert credit bureaus and collection agencies. Please consider this.
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (MI)

I sent letters to the Equifax 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 has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2016-04-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XXXX, Citizens One Home Loans closed my home equity line of credit for further use. In XXXX I paid off this line of credit. Their Lien Release Department never released the lien from my title. I am in the process of refinancing my mortgage and ca n't do so until the Certificate of Satisfaction is filed. This was requested XXXX XXXX, XXXX. On XXXX XXXX, I was told they were in the process of preparing the certificate. on XXXX XXXX, XXXX, I was told it was not done. How do I get them to clear my title? I have requested a Pay Off Statement, but since I do not owe any money, they will not do this. I can not close on my refinance until either the Certificate is file, my title is cleared, or I receive a XXXX payoff letter. Every day I call an am told someone will call me back but no one ever does. I understand it can take months for the jurisdiction to record the document, however, I ca n't get Citizens One to even file the document.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good morning, I am a member of an XXXX XXXX In 2019, we opened a Capital One XXXX credit card under my name to cover company expenses. 

Unfortunately, due to business disputes, I had to leave the company, and I am dealing with an unresponsive and unreliable business partner. As he did not honor the payments for the credit card, I personally began making the monthly payments, currently paying only the minimum amount, using my personal finances. 

Currently, I am in a difficult situation. I have no income, I am no longer employed by the company, and I was only able to collect unemployment benefits for XXXX months. Despite actively searching for a job, I have not had any luck so far. 

I have contacted the credit card company multiple times to request financial relief, such as freezing the interest on the current balance. However, I received a negative response. They informed me that because I could make payments, I was ineligible for financial relief. Their only offered option was to waive late payment fees for XXXX months if I am unable to make payments on time. Unfortunately, this option is not very helpful. 

Currently, I am making a minimum payment of {$80.00}, and they are charging me {$60.00} in interest, creating an endless cycle. Additionally, I start doubting interest rate is calculated fairly. But, they got away with it saying rates are variable. I want to honor my debt as it affects my credit score, but I need to be in a position to do so. Additionally, this debt was not incurred for personal expenses but for business expenses. 

I would greatly appreciate your advice on potential solutions to this situation. 

Thank you for taking the time to read through this. I look forward to hearing back from you. 

Kind regards,
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc. (NC)

I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!
Consumer complaint received 2016-10-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

My checking account at TCF National Bank has been charged fees of an excessive amount, nearly abusive, resulting from overdrafts. I take responsibility for the overdrafts but the excessive fees resulted in economic harm to myself and my family. I would like the situation to be resolved in a mutually beneficial way so the account is reinstated, the fees are reduced, and the bank has the ability to make use of the account. I have the need for additional personal and business accounts. It has taken quite a long time for me to address this issue as there have been a series of illnesses in my family, with my wife 's mother and father passing away and my own mother XXXX in XXXX after a long struggle with XXXX.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tormey Bewley Corporation (FL)

I get an utilities bills from a collection agency posted on my credit bureau on XXXX/XXXX/2010 for an invoice that I never received from company and ask this to be removed from my credit with Transunion.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

Citibank continues its deceptive marketing practices despite the Consumer Financial Protection Bureau 's ( CFPB ) order last year in which Citibank and its subsidiaries were required to pay {$700.00} XXXX in consumer relief for illegal practices related to credit card add-on products and services. Citibank has repeatedly sent deceptive marketing mail to BOTH my personal physical and email addresses with explicitly stated offers of my eligibility for bonuses of XXXX XXXX miles with its AAdvantage credit card. I accepted Citibank 's offer and signed up for the AAdvantage credit card, but then Citibank refused to provide the airline miles that it explicitly told me ( in email and in physical mail ) that I was eligible for. Citibank 's failure to uphold its end of the contract has caused me great harm in that Citibank looked into my credit history under false pretenses and negatively affected my credit report in doing so. I never would have allowed Citibank to look into my credit history, and I never would have given Citibank my personal information, if I had known that the company would refuse to provide me with the airline miles it explicitly told me that I was eligible for. Citibank completely failed to uphold its end of the bargain/contract based on the offer it emailed and mailed to me and my acceptance of that offer. Citibank continues to regularly engage in deceptive marketing practices that harms millions of consumers. SEPARATELY AND ADDITIONALLY, Citibank has sent me notices about the benefits of enrolling in its fraud-alert services. The CFPB found that Citibank falsely claims the fraud-alert services would notify customers of fraudulent purchases. Instead, the monitoring only provided alerts to changes in customer credit files maintained by major credit-reporting firms. Despite the CFPB 's findings, Citibank keeps emailing me and mailing me, to my personal address, vague and leading offers of credit card add-on services which state they have a " free 30-day trial '' but in fact charge customers immediately upon enrollment. Citibank CONTINUES its deceptive marketing practices that affect millions of consumers. The CFPB and the Federal Trade Commission should investigate Citibank 's ongoing and continuous pattern of deceptive marketing that is harming millions of consumers and take swift action against the company to prevent future harm to consumers.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2024, Bank of America unexpectedly denied me access to my personal checking account and informed me that it had been closed. Unfortunately, they could not provide a specific date for the closure. Additionally, my direct deposit from XXXX XXXX XXXX has been frozen by Bank of America, leaving me unable to access my funds, pay bills, or manage my finances. Although I was told a cashier 's check would be issued to me, they have not been able to specify when it will arrive. I urgently need to either regain access to my accounts or receive the cashier 's check immediately. 

The money that is being held captive is a total of {$2200.00} Thank you
Consumer complaint received 2022-02-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent letters to the 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 has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : {$0.00}. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-05-13
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (OK)

Lied about owner of school skipping town to XXXX and heed all records and the federal government was looking for him when I asked for copy of any and all school records told them I was filling for loan discharge they told me it did n't matter that the apps would be thrown in trash by the student loan people. I sent three apps in with a time span of 4 to 6 weeks of weighting for a response from the student loan pepole For each one. None came sent letter to student loan people reporting the story I was giving to them.as well asking about the loan discharge apps I sent threw the collections agincy.there response was that they are very Thorel in keeping records and had no record of receiving any apps from me and stated that there was no evidence of illegal activity going on with the school. This happened many years a go.I had no one to turn to or new what to do so I complied and continued to pay and I 'm still paying.there was not any thing done about my complaint to the student loan pepole.it was forgotten.I have been paying them money under false and miss leading information for years now.the collection agency never sent the apps to the student loan pepole.
Consumer complaint received 2016-10-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: XOOM CORPORATION (CA)

I want this company ( Xoom ) to remove all my information from their website. 
I want my name, date of birth to be removed because I do not trust them. 
They do not give an option for the customer to remove their personal information on their website.
Consumer complaint received 2024-03-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

In the year XXXX our home was erroneously foreclosed upon by Wells Fargo. We continuously asked for a reasonable and acceptable loan modification. Wells Fargo bank asked us to provide information. Each time we did what they asked. We were financially ruined by what we had been through with Wells Fargo. In XXXX of XXXX they sent us a check for {$200.00}. That check cant begin to make up for what Wells Fargo did to us. We tried to resolve the situation with them because we are unsatisfied with the amount. Well Fargo admitted that they made mistakes with loan modifications in the past. They refused to let us know how they came up with the {$200.00} amount. We are reaching out the CFPB because we lost our home because Wells Fargo did not provide an acceptable justification for not helping to make us whole. The amount of {$200.00} is an insult after the losses we incurred due their faulty loan modification practices.
Consumer complaint received 2022-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

I used Transfer wise App to send a sum for a friend in XXXX, specifically she used XXXX bank account, almost 15 days ago She could not receive the money in spite she reviewed her bank The man in charge had reported that my bank ( transfer wise ) did not send the money, I gave her the transfer number and that could not help. 
Please I want a method to be sure that she received the sum Thank you in advance