davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

On XX/XX/2019 I was assessed 5 OD fees in the amount of XXXX a piece by M & T bank for 3 ATM withdrawals and 2 Debit card transactions. I have banked with almost every institution and never in my life have I ever received an OD free for a Debit card transaction. Not only that but, i did these transactions prior to signing an authorization for giving M & T Bank permission to allow ATM withdrawals and debit card transactions that would result in possible OD fees. I feel I should be refunded the total fees the fees are more than all the transactions combined. Since I opened my account I have never had an OD fee until now and I never received a fee when my account went negative accidentally from a debit card transaction until now. I spent XXXX dollars at XXXX and XXXX cents at XXXX XXXX and it cost me XXXX dollars to do so. I have tried to rectify this situation with M & T directly with no success. Hopefully you can mediate to get them to reverse the fees as a one time courtesy and also since again the acknowledgement what done after I had already processed these transactions.
Consumer complaint received 2015-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

They state I owe {$88.00} and have never produced XXXX shred of evidence supporting their position. I never received services from the hospital and the hospital has been closed for over a year and a half. I was able to contact the XXXX XXXX Hospital board and confirmed with them that I do not owe this debt and have a letter confirming. However, I have disputed this claim with all XXXX agencies and they wo n't remove the fraudulent collection.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I disputed the inaccurate reporting from Carrington MS reguarding a 90 day late in XXXX 2015. Carrington investigated the issue and said that the information was indeed incorrect and that they would update the information, and it would reflect on the next reporting in XXXX 2015. There has been no update done to the XXXX credit bureaus. We are trying to close on a house and XXXX companies will not proceed until it is corrected. I have waited long enough and jumped through so many hoops to get this resolved. It has hurt our credit score and caused us to pay higher interest rates on purchases we have made. I have talked to Carrington MS and they explained that they did there part, and I was more then welcome to contact the research department by mail, which would take longer. I want the information updated and reported immediately, therefore we are able to close on our home and never deal with Carrington MS again.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I, XXXX XXXX am submitting a complaint regarding my mortgage involving Select Portfolio Servicing , Inc due to breach/violation in my mortgage modification contact I signed in XXXX with XXXX XXXX XXXX, Attn : XXXX, FL XXXX on XXXX/XXXX/XXXX ( 2 YR contract XXXX - XXXX ) ; In my modification contract states " As of the modication effective date, a buyer or transferee of property will not be permitted, under any circumstances, be assigned to, or assumed by, a buyer of the property. '' This agreement has been violated several times. By Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX, division of XXXX XXXX XXXX XXXX, XXXX ; Also, Select Portfolio Servicing has excessively increase my mortgage interest rate since my mortgage modification contact has been completed. 
I have submitted my complaint twice via USPS on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with delivery confirmation # XXXX XXXX XXXX XXXX XXXX with approximately XXXX pages of supporting documents that was signed for and delivered XXXX XXXX/XXXX/XXXX XXXX Consumer Financial Protection Bureau at locations : XXXX, Iowa XXXX & XXXX and with the supporting documents. Please search for them. Note I never signed anything ( contract ) with any of these financial institutions but XXXX XXXX XXXX Also, as of XXXX/XXXX/XXXX Select Portfolio Servicing Inc has been trying to force me into signing my home my home over to them.
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

please see the inquire ( s ) below and remove or block the inquires listed below. these are unauthorized and should be removed or block. 

1.The XXXX XXXX  XXXX XXXX XX/XX/ 2XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/ XXXX  XXXX
Consumer complaint received 2015-09-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

The reason I am submitting this form is I fell for a scam for modeling. On XXXX I was contacted by a man or woman named XXXX XXXX they claimed they were the XXXX. After we exchanged a few emails, he or she told me they are sending a check from XXXX bank in the amount of XXXX dollars. After the check was received I deposited it and proceeded to follow their instructions which were to send XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. Today I received a notice in the mail stating that the check has bounced and that my account is frozen.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, Trans Union and XXXX. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (TX)

In late XX/XX/XXXX ( or earlyXX/XX/XXXX ), I opened an American Express Credit Card account for the purpose of transferring some credit card balances to the XXXX Credit Card account. All of the transfers went fine, except for one. 

One particular credit card balance was from XXXX XXXX XXXX for the amount of {$1300.00}. I was not able to complete this on-line, so I called the balance transfer department at American Express and completed the transfer over the phone. 

I then received a letter from XXXX XXXX, dated XX/XX/XXXX, stating that they received a payment for {$1300.00} that went to an unknown account ( See Attachment 1 ). This transfer also appears as going to XXXX 's on my XXXX   statement ( see Attachment 2 ). I subsequently called XXXX 's thinking they would refund the payment to XXXX or directly to me, but they wouldn't speak with me because I do not have a XXXX 's account and they had no way to identify me and suggested I contact XXXX. 

I then called XXXX and they told me they would investigate the matter and assured me this error would be corrected. A few weeks later, I called XXXX back because I had not heard back from them and they again told me they would investigate the matter. I subsequently received a letter dated XX/XX/XXXX of this pending investigation ( See Attachment 3 ). 

I then received another letter from XXXX, dated XX/XX/XXXX, that that they have completed their investigation and that essentially the funds were deposited with the instructions provided ( See Attachment 4 ). I subsequently called XXXX  to obtain clarification, but I was continually passed around from department to department and no one could help me. 

I have confirmed with XXXX that they have not received any payment from XXXX ( see Attachment 5 that has the last 4 numbers of my XXXX account number ). I have confirmed there is no reversal for this balance transfer showing on my XXXX credit card. I have no way of knowing what XXXX XXXX has done with the money. 

I want XXXX 's to refund the money that XXXX sent them mistakenly and then I want XXXX to credit my account for the {$1300.00} amount.
Consumer complaint received 2017-01-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

I have a second mortgage with Citi financial, running behind for XXXX payments due so far, I tried to make a payment over the phone for one full payment and they said they will not take XXXX payment, the said the minimum amount will be a payment and half.
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a promotion for XXXX XXXX after completing specific requirements. 

" Within 60 days after account opening : you spent the required minimum amount ( {$1000.00} ) using the Citibank Debit Card Completed 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month " I have completed this and never got my points, I have requested twice for reviews and nothing has happened.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I had a account conversion from the Citi Advantage to the Citi Double Cash Card. I was told to call in at the year mark to have it converted because earlier it could not be done. I was told the {$95.00} would be credited in full and instead I received {$79.00}. I called and got the run-around from an agent. I called back again and got a passive-aggressive agent that would not let me get a word in. Bottom line here she said I was going to receive an additional {$22.00} and today I received an e-mail that reads I am receiving {$15.00}. Want to know why I am lied to?!? And there is a credit amount for - {$78.00} sitting on my account and Citi has not mailed a check.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/22 I made a {$15.00} payment to American Express from my options credit union account. Unbeknownst to me, the credit union had transferred money out of my account without my permission to a credit card opened with the credit union in violation of regulation z. This caused the payment to return as nsf. The following day I contacted the credit union and had the illegal transfer reversed. Despite this, Amex has charged me an nsf fee. Due to the credit unions illegal activity, I removed the funds from the account and contacted Amex to stop the payment. They refused and resubmitted the payment request 2 additional times, despite my request to not submit it again due to my ongoing issues with the bank. In the meantime, a hold on my credit union account for {$50.00} dropped and allowed the payment to go thru. Despite this, Amex charged an nsf fee of {$29.00}, almost twice the payment amount. When I requested they refund the fee due to the nature of the activity, they stated the can not refund the fee. This was patently false, as after asking additional questions it became clear that they could refund the fee but did not. It is apparent that this misinformation was given to me to prevent me from pursing a refund of the fee, a source of considerable revenue for Amex. Eventually Amex confirmed that they were able to refund the fee but were refusing to. I have never had a late payment on the account and this was the first time an nsf transaction has occurred, for reasons outside of my control. These practices are deceptive and abusive toward consumers, and are clearly part of a policy targeted at consumers who have issues with nsf. Im addition to the above, Amex also freezes the available credit in this circumstances for 7 days, but does not provide any warning or information regarding the freeze. The account shows available funds and no indication the hold is on place both on their online portal and on their dial-in system. There are no pending purchases on the account that would warrant freezing access to the credit.
Consumer complaint received 2022-09-06
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: Credit Karma (SC)

I applied for a credit card through Credit Karma and it said it wouldn't affect my credit scores to check to see if I was pre-approved but they ran my credit and it dropped my credit score and showed up on credit report.
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Car was broken into and had my wallet, laptop, and other items stolen on XXXX XXXX, 2016. I filed a police report and reported stolen for all my cards. All the cards came except the Bank of America debit card, a card that I rarely use. On XXXX XXXX, the thieves started using my debit card for withdrawals at various locations, and even went to the teller to withdraw {$8000.00}. I found out on the XXXX as I was getting ready for another deposit but the balance was not close to the number that I last remembered and so I went to Bank of America XXXX XXXX XXXX XXXX ) to call to have the account frozen. The next day, they were still able to withdraw {$500.00} from the account and I called BOA again to express my concern. The office claimed that I did not report anything until the XXXX which was incorrect and refuse to take any responsibility for the fraudulent charges. The person broke into my laptop and had access to my password files in which they even went online to change the primary and secondary contact information. BOA claimed that they have called me regarding unusual activity regarding the account but I did n't receive any and my telephone bills has evidence of that. I have filed with the FTC, XXXX credit bureau, FBI, and police station regarding this case and the status is still pending. I have requested multiple claims with BOA and they have denied the claims for the 2 times that we have appealed. I have also sent them a letter regarding the extra documents that they requested but have not heard from them since. I want this to be taken care ASAP because I have n't used a dime on this account and there was a fraudulent charge of over {$13000.00}.
Consumer complaint received 2016-11-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AZ)

Simply, I returned a leased Kia to the Kia dealer at lease end and per the lease agreement, I purchased another Kia with the written, express, and implied statements that the {$410.00} disposition fee will be waived and the new Kia will be financed through KMF. The lease and recent correspondence from Kia ( KMF ) states that you have to PURCHASE or LEASE another Kia to waive the disposition fee-which I did. KMF and the dealer scammed me-denied me credit with a XXXX credit score and is now lying to XXXX claiming I have to lease another car only to get the fee waived. KMF is now billing me for {$410.00} for the disposition fee that I do not owe them. They refuse to finance me and will not waive the fee-this is fraud, scam, and violates my rights as a consumer. I do not owe the {$410.00} disposition and KMF does not have legal authority to demand me to pay it.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

15 U.S.C 1681 section 602 A. States I have 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
Consumer complaint received 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I believe Navient has designed their systems ( online in particular ) to be extremely difficult to pay loans off. When searching their FAQ section, there is no section giving information for payoff and to locate the " payoff amount '' requires quite a bit of digging. Even when you locate the payoff amount, making a payment in that amount on the date the amount was said to be good for did not satisfy the loan. Additional interest was charged to the account, likely because their system takes several days to process an online payment. Ultimately we did resolve the payoff of the loan, however my request to close the account has been ignored. I have not had this kind of problem with any other student loan company and it leads me to believe that Navient has taken deliberate measures to make paying a loan off early as difficult as possible.
Consumer complaint received 2015-05-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BBVA FINANCIAL CORPORATION (NJ)

I recently applied on XXXX/XXXX/2015 for the NBA BBVA Compass Bank XXXX XXXX Card for my love of basketball and received the card 7 business days and a mailing of my credit score and bureau information from XXXX. 3 days later on XXXX/XXXX/2015 when I tried to use it at a grocery store it was denied. I called customer service and they told me it was suspended and no other information was available. I was to wait for a call back on Monday morning XXXX/XXXX/2015. I called on XXXX/XXXX/2015 and had the very same customer service rep who told me he had no information and the account remains suspended an no information. I asked for my issue to be escalated and I received a call back and was told on XXXX/XXXX/2015 ( I saved the voice mail ) they needed to verify my identity and to stop in a branch. There are no branches in NJ. No information was received in the mail or phone call about the suspension - nothing. I called back on XXXX/XXXX/2015 and told them I was visiting family in AZ and they would note the account that I would would go to a BBVA Compass Bank for ID verification. Yesterday on XXXX/XXXX/2015 I spent over XXXX hours in a BBVA branch at XXXX XXXX XXXX XXXX XXXX. AZ with my ID ( Drivers License and Passport ) and I met with the Teller, Personal Banker who tried to resolve this. The staff put me in an office and wait for service on the telephone. As of today - XXXX/XXXX/2015 my problem is not resolved. The Personal Banker XXXX XXXX called me at XXXX on Saturday and said he will continue to work on it Monday morning XXXX/XXXX/2015. He made copies of all my ID information. I met all the criteria, provided the information and NO ONE cares at BBVA Compass Bank to resolve this issue. I have now worked with XXXX different people and no one can seem to resolve this mess. 
My Desired Resolution : I want to have the NBA XXXX XXXX Card that was approved for me. I have NO IDEA why after XXXX DIFFERENT PEOPLE and XXXX hours in a branch that my case can not be resolved. This is by far the WORST customer service and communication I have seen EVER! Please help me. No one should be going through the same problem. I have also filed a complaint with the XXXX. 
XXXX XXXX
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. As of 60 days later I have not received any response. Im currently being taken advantage of and bullied by these agencies, and my disputes are being ignored by the credit agency. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Currently is has been over 60 days and these incorrect items need to be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will be forced to file for litigation This situation has caused me a numerous amount of XXXX. I have been a victim of Identity theft and also my personal information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-04-22
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Broadway Account Services (IN)

A gentleman from a unknown phone number called me on XXXX/XXXX/XXXX at XXXX pm. The gentleman identified himself as XXXX XXXX, a investigative officer from XXXX XXXX in XXXX, Kentucky. He told me I had criminal charges pending against me and that I needed to call a XXXX phone number and give them a account number he gave me for further information. I told him that it was against the law to impersonate a officer for a debt collector. He said this was not that. I called the number and it was a collection agency who claimed I had a payday loan debt. The company could not give me a date of the loan or the address of the company that the loan was supposed to be owed to.They threatened to take me to court if I did n't give them current info or acknowledge the debt. I told them I had never received any information regarding this debt and that I needed something in writing they refused to provide it. They claimed this debt was prior to XX/XX/XXXX but, that the claim was filed then. The name of the company is Broadway Account Services.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (KY)

I have been contacted by EGS Financial for a debt I owe to XXXX Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX