davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OK)

I received a letter from XXXX County on XXXX XXXX, XXXX stating that my property taxes had been requested from a mortgage company but, have not been paid. I contacted LoanCare on XXXX XXXX at XXXX central as I was listening the recording I discovered that I was past due. I spoke to XXXX # XXXX who argued with me about my past due status. She I asked her why I had not received any notices if I was past due? She verified my address, which was not correct. I asked who authorized a change in address ( which is not different from the collateral address ) she informed me that they had received returned mail and changed it to the forwarding address. I questioned why I would not receive a courtesy call before changing the address, there was no answer just an insincere trained apology. I was then transferred me to XXXX # XXXX who went to look into the problem of my past due and hung up or dropped the call. I called LoanCare back on XXXX XXXX at XXXX when I spoke to XXXX # XXXX who was very helpful and discovered that my XXXX payment was applied incorrectly by LoanCare to all principle. She informed me that they would have to reverse all the payments and then reapply them, reverse the late fee, and correct my address, all of these things would be corrected by XXXX XXXX She also said she would correct my credit by XXXX XXXX, and insured me I would receive a letter once complete. I then spoke to her about my original reason for the call my property taxes paid out of my escrow account. She said that she saw where their third party company XXXX requested the property tax information but, it was not paid. She told me that she would put in a request to add a line for the XXXX escrow and get them paid before the analysis in XXXX. She shared with me that this too would be complete by XXXX XXXX, XXXX. On XXXX XXXX, I called LoanCare again @ XXXX and left a call back number. I never received a call back. At XXXX I called again and spoke to XXXX XXXX XXXX he told me the address had been corrected, but the late fee and payment reversal had not been done that LoanCare was behind, he PROMISED me they would be done by XXXX XXXX. On XXXX XXXX, I called LoanCare and listened to the recording where I discovered that I was still past due, I still had a late fee, and I had paid {$0.00} in taxes for XXXX. I spoke to XXXX # XXXX who spoke to the credit department and once again PROMISED me that they were making the reversals " right now '' and the credit would be fixed in the morning. She told me she would call me in the morning between XXXX and XXXX central time to confirm it was fixed but, would have to forward my request to the escrow department. SHE DID NOT CALL. On XXXX XXXX, I received the escrow analysis in the mail ( the XXXX XXXX told me would n't be done until XXXX ) that included an overage check. Which I would not get if they would have paid my taxes. I have had no further contact.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/2021, XXXXXXXX XXXX XXXX XXXX put a collection on my account for the amouth of {$160.00} for a membership. When I called & canceled the membership. They are stating they have no evidence of me calling when in fact i did. I reached out to Experian to get this removed from my report it has now been 60 days and it is still showing on my account. This is harming my credit report in so many ways.
Consumer complaint received 2022-02-13
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: Paramount Capital Group, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX this company obtained my social security number without my permission
Consumer complaint received 2016-12-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I hold a checking account with Capital One Bank that has an associated overdraft credit account. 
Both accounts have been and are in good standing for over 20 years. 
Out of the blue, I receive a letter from Capital One stating my overdraft account has been cancelled because of a dispute I am having with one of their competitors. 
I reiterate, my Capital One checking and overdraft accounts are both current and in good standing. 
Is this not a case of collusion and antitrust? 
At the very time when one might need to be balancing funds between one bank to fight another bank, they collude and pull the financial carpet from under you.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

XXXX reported my Shell credit card account as being over the credit limit. The only reason that the account was allegedly {$4.00} over the credit limit was because of a fee THEY assessed. My charges on the account did not bring the balance to or over the limit. I do not recall any conditions either under the credit agreement, nor under Federal law which will permit a creditor to report my account as being over limit solely due to a fee or charge which THEY added to the account without my knowledge or approval.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (MD)

ON XXXX THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX  ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021 through my Chase bill pay I requested Chase send {$170.00} to the XXXX XXXX XXXX which a payment is sent every month. 
I get a bill from the city showing they never received my payment I contact the city and they confirm there is an issue with Chase and for me to contact them. I do. I file a claim with Chase Claims dept XXXX. I go to a Chase branch and talk to manager XXXX and he confirms Chase did mess up sending the XXXX XXXX XXXX the payment and sent to the wrong merchant. he asked me again to file a claim to get my money back since it was sent to the wrong merchant. I call claims again and they said there is nothing they can do the payment was sent. I don't even know who to talk to to get my XXXX because of their mistake. I have spent over 3 hours on hold with Chase trying to get this fixed. Chase has no department for customer service assistance.
Consumer complaint received 2015-12-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cornerstone Mediation LLC (TX)

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (MD)

During COVID 19, like other millions of people around the world, I ran into a financial hardship. I am on social security XXXX. I rely on tenants so I rent rooms in my house. I had two girls renting that XXXX   me ; they vandalized my home ; they stolen lots of valuables ( furs,  XXXX jewelry, XXXX sunglasses, etc ) ; they vandalized my floors ; stolen household items, you name it. I had to file charges and the State Attorney is prosecuting them ; one was XXXX. This was one of the WORST experience in all the times I rented ; nightmare! Also, the tenants experienced losses through COVID ; reduced house ; laid off which made it hard for them to pay rent. I have been recuperating from their theft and their loss wages. It was hard keeping up on my bills. I called Nordstrom  trying to explain the circumstances ; especially after  they sent out communication saying they were there to help through COVID. When I called, the rep was very " cold '' ; didn't care ; told me I need to make a payment or they are closing the account. I had this account for years ; never late until recently. Not at all expected that lack of support or help. Based on the current conditions and their " we are here to help '' correspondence, I expected more. That put me in a deeper  XXXX and I shut down!
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Celentano, Stadtmauer & Walentowicz, LLP (NJ)

To the best of my knowledge and recollection this hospital bill for a two hour outpatient procedure was paid in full. My medical insurance carrier paid tens of thousands and I paid hundreds. This comes out of nowhere. I have no documentation indicating there is a balance due.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
Consumer complaint received 2016-06-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied the Citigold checking account XXXX XXXX by signing up for its promotion offer - a bonus of XXXX miles upon fulfilling its requirements. 

1. One day after I opened the account, I called Citigold customer service, the rep confirmed that I was indeed signed up for the promotion. 
2. In XXXX XXXX, upon completing the requirements for the promotion, I emailed Citigold customer service again. I soon received the following confirmation email that I indeed completed all requirements. 

" From : XXXX XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. It would be my pleasure to review your promotion completion status. 

I am glad to confirm that you have completed all requirements for offer code XXXX and the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. Your 90 day waiting period will begin at the end of XXXX. Please keep in mind this waiting period is standard for all promotions and can not be waived. " However, five months later, I contacted the customer service again asking why no miles were posted to my account. I was told that I ca n't get the miles because I was not on their initial target list. 

I said I would be OK with the new decision if Citibank was willing to refund me the {$60.00} Citigold service fee I was recently charged. I would have not opened the Citigold and paid the fee if it was not for the multiple confirmations from their customer service. 

Citibank replied with refusal to refund the fee, and re-affirmed the refusal to honor the promotion I signed up for, despite what their reps confirmed in the past.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I opened business PayPal account for my new LLC business. I do freelancing graphic designing and embroidery digitizing. 

I started using my new PayPal business account on XXXX by creating invoices for the work I do for one of my customers. I sent 2 invoices first, which were paid by my customer. Then I sent the 3rd invoice for the same customer and also was paid. The next day, I received email from PayPal saying that my account is being limited and they need to review the transaction. They asked me to explain what are these invoice and the transaction for, and asked to describe the service that I provide for my customers. I explained what type of service I provide. I also submitted copy of my ID which they asked about. I even sent them screenshot from my embroidery digitizing software that I use to perform the work. I sent screenshot with the exact designs I did for my client and the name of these designs were in the invoiced I sent to my customer. 

Then, the next day I received an email from PayPal that they permanently deactivated my account and I am no longer be able to use PayPal service to receive or send money. Not only that, they put a hold on the fund that is currently in my PayPal account for 180 days!!!!! 

What shocked me is a line that was in the email I received from PayPal saying : " Based on the information we have today, it looks like customers were dissatisfied with activity from this business. '' Seriously!!!, I only used the account to transact with only one customer, and she was satisfied with the work I done for her, so I don't know how PayPal came to the conclusion that customers were dissatisfied with activity from my business!!!!! Did they reach out to the customer and asked her?? 

This is unbelievable. If PayPal doesn't want me to use their service, that's fine, I cam always use some other service to conduct my business. But they don't have the right to hold my fund for 180 days for no reason. I guess this is a typical practice from PayPal to hold people 's money for any fabricated reasons, and then they can earn interest on our hard earned money while we are waiting 6 months to get our money back. 

Here is my PayPal account information : PayPal email : XXXX Business legal name : XXXX XXXX, XXXX Business is incorporated in California
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America XXXX XXXX I logged onto my Bank of America account and intended to make a payment of {$620.00} in order to pay off my credit card. I accidently paid XXXX so I overpaid by {$5400.00} M Monday XX/XX/XXXX I logged onto my XXXX XXXX and realized that my bank account was several XXXX into overdraft. So, I called Bank of America. A representative from bank of America took my bank routing number and told me that it would take XXXX business days in order to get my refund. 
Wednesday XX/XX/XXXX. I called bank of America. The representative over the phone told me that the original XXXX return was incorrect because each transaction has to be invested for fraud and it could take up to 30 days. 
Wednesday XX/XX/XXXX. I was unsatisfied with the answer I got and called back and asked to talk to a supervisor. I was on hold for more than an hour and was able to get a supervisor on the phone. She took my phone number and told me that she would try to expedite my refund. She never called me back Friday XX/XX/XXXX. I Called Bank of America and talked to a representative. The person over the phone XXXX XXXX that I would be eligible to file a Refund research paper trail report on the XXXX business day which is tomorrow and tried to offer me a 3 % cash back option on the card so at least I could get something out of the deal. I asked to be connected to a supervisor. He told me that he didnt have the ability to do that but he would fill out a request and have someone call me back. This didnt happen. 

This situation has caused financial hardship. Even though I have explained that to each representative. This situation has caused a financial crisis for my family. No one from bank of America is has been able to help despite my persistence. Im disappointed that and ashamed that I live in a country were Bank of America thinks that they can treat customers in this manner. If was only a few XXXX dollars that I would just wait it out but XXXX. No way.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MD)

was charged exuberant deferred interest rate and offered to pay balance off as it had only been a few days since the charge happened and the company declined. ( XXXX months no interest ) seems like a very shady practice and there should be a reconciliation period. i should be able to pay off the balance and avoid this 30 % interest charge.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

This issue involves PayPal Cashback MasterCard. 

On XX/XX/2024 I had a balance of {$11000.00}. 
I paid the minimum balance of {$360.00} on the due date XX/XX/2024. 
On XXXX XXXX I paid the remaining amount of {$11000.00} and the balance on the account went to {$0.00}. 
On XX/XX/XXXX I was charged an interest charge of {$190.00}. 
I called the paypal customer service number the same day and asked why I was being charged interest on a balance of {$0.00}. The representative explained that if I pay the minimum balance and carry a balance past the due date I would be charged interest of the remaining balance 7 days later which would be for {$190.00} on the XXXX of XXXX. 
On XX/XX/2024 I paid the remaining balance of {$190.00}, XXXX weeks before the due date to avoid any other " interest charges ''. 
From XX/XX/XXXX to XX/XX/XXXX, I had no balance due, but today, XX/XX/2024, I noticed an interest charge of {$2.00} on the account. I called PayPal customer service again and the first person I spoke with was rude and hung up on me when I tried to explain the situation. I called back and spoke with a different person and she was just as rude but a little more helpful. First she tried to explain to me that I made a late payment which wasn't true, and I explained what was on the statement and how I was not charged a late fee, because the payment was made on time and I didn't have a balance on the due date because I paid the account off two weeks before the due date. Eventually she told me they would waive the the XXXXXXXX XXXX off of the account and I 'should n't ' see another interest charge on the account again. I'm reluctant to believe this considering it's the third time I've heard that from their customer service.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (TX)

I noticed a charge for {$170.00} on my american express bluebird card from my health club. I went to the health club and the manager said the charge was a mistake and was based on some old paperwork that had a one time payment on the bluebird card. The manager refunded my money and gave me a receipt for the refund. American Express however will not release the funds, which I desperately need today to pay my electric bill, for 8 days. I did n't do anything to incurr this charge and I promptly addressed it when I became aware of it. American Express Bluebird however refuses to help me or even give me an email contact where I can describe the issue. It appears that American Express Bluebird Cards are being marketed as an alternative to banking when it is not. The money in a bluebird account is not secure and any merchant mistake can cause the consumer to lose all access to their money for 8 days.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX  XXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX