davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

OnXX/XX/XXXX I was told that to obtain a 2nd mortgage on my home I needed a letter of retirement for the title of our double wide mobile home. I called Huntington Bank that was listed on our mortgage and was told they didnt have access to mortgage paperwork. I was given Huntington Customer service number XXXX  to request the letter and was told that he would submit my request and we would receive it in the mail. I waited a week and called again to see if they had located the letter and was told that it is still being processed. While waiting I ask a friend who is an attorney to see if he knew how to obtain the letter of retirerment and he requested it through the state of representatives office. My attorney said that the title was never retired. I was advised to contact Huntington Bank again because they had done a refinance for us in XX/XX/XXXX so they should have the title and they could retire it and get us the letter. I have been going back and forth with Huntington and they say they dont require this letter when they do a mobile home loan, they tell us they dont have the titles and that it is our responsibility to get them. Because of Huntington Bank refusing to help us or listen to us we can not get a 2nd mortgage, we can not sell our house or even make arrangements to go into a nursing home because all the Banks and Credit Unions we have spoken to explain to us that without this Letter of Retirement they can not give us a loan. Please help us, my husband is XXXX and I am XXXX and not in good health. This stress is hard on us. I spoke to XXXX XXXX and they verified the titles were never retirered and that they are in the name of XXXX XXXX that is now Huntington Bank. I was given the form ( MV38L ) needed to get duplicate titles so I can have them retired but XXXX XXXX will not issue them to me because we have a lien on it through Huntington Bank. I spoke to XXXX XXXX in the Executive office who said they do not need the titles so it is up to me to get them. Huntington Bank also put Riders on our mortgage that do not in any way pertain to our property. They added a PUD rider and a Condo rider. I asked about that and they said they would see about taking them off because that would just cause questions if we are ever able to sell our home. I was told I would of paid for those but I am unskilled at finding that out. My last conversation with XXXX  was today and she told me that I had to contact XXXX XXXX at XXXX XXXX XXXX  ( XXXX to see if they can help me.
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Profit Services Group (GA)

I have a medical bill that was supposed to be paid by the VA from 4 years ago. I received two threatening phone calls within 1 minute from Profit Services Group ( XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ). I explained to the extremely rude woman that the VA was supposed to take care of that bill and that I would contact them again to find out why it was n't paid. She told me that it was too late and that I better have it paid by Friday or I was not going to like the end result and she hung up on me.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for American Express Platinum card in XX/XX/XXXX and finished the minimum spending requirement of {$3000.00} in XX/XX/XXXX. The welcome bonus XXXX membership rewards were deposited into my account in XX/XX/XXXX. However, when I tried to transfer membership rewards to my Delta Skymiles account on XXXX XXXX. I was unable to do it. So the following day I called American Express and was told that {$200.00} spending was not counted towards the minimum spend because it was reimbursed as airline credit. The {$200.00} airline credit is part of benefits of the American Express credit card, and I can enjoy it because I have paid annual fee {$450.00}. I also checked terms and conditions of the card, and it says the following. 
Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. The following charges do NOT count towards the Threshold Amount : fees or interest charges ; balance transfers ; cash advances ; purchases of travelers checks ; purchases or reloading of prepaid cards ; or purchases of other cash equivalents. 
From the statements above, it does n't exclude airline credit reimbursement so I do believe that American Express can not use {$200.00} airline credit reimbursement not counting towards minimum spend as a reason for reviewing my account and result in such inconveniences and hassles to me. I am writing to get all my membership rewards points UNFROZEN. 
I view each point of membership rewards around XXXX cents, so a freeze of XXXX membership rewards points is around {$2000.00}. In other words, my loss is around {$2000.00}.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (CA)

I was incorrectly reported 180 days late on my credit report by my servicer. I was under a XXXX forbearance plan which was coming to an end on XX/XX/2023 with my first payment becoming due on XX/XX/2023. I was still experiencing financial hardship and unable to resume payments. I reached out to my servicer requesting an extension and was advised that my investor only granted a 12 month extension. I was then given the option to submit a hardship application which I did on XX/XX/2023. My servicer approved me for a conditional Trial Period Plan on XX/XX/2023. My credit was supposed to be protected since I was under a COVID forbearance/trial period plan. The company failed to protect my credit.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VYSTAR CREDIT UNION (FL)

I tried to open a new account with Vystar being a military veteran and they did not accept my application. I have no history of fraud or anything serious but overdraft due to not being able to budget my funds correctly since getting out military. I just want to open an account to have my XXXX checks deposited in Vystar.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Without proper notifications Bank of America started a maintenance fee on my account. 

I was going to close this account but then the customer service told me that keep you account open we will give you account for free - or without a fee.

Starting last few months Bank of America started charging me fee for the same. Before charging the fee they did not even inform me of the fee is is coming with proper ways.

This shows tactics Bank of America is employing to increase their revenues by improper ways.

I want Bank of America to fully refund my fee and close my account. I would have close this account as I dont use it anymore. My balance was only {$4.00} and not its XXXX   due to fee.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (CA)

I canceled my American Express card months back due to fraud and they continually sent me statements each month with a XXXX balance and sent me a new card recently without my consent. I called them today to rectify the situation and to stop harrassing me but they would not talk to me without giving my personal info. I have no balance on the card and want them to leave me alone.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I see multiple duplicate inquiries on my credit report, Transunion will not advise on how to fix the problem. Please remove the multiple credit inquiries on the same days XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Thank you, and again, this is Transunion issue
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (PA)

I looked at my credit report and i learned that MIDLAND credit mgmt is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. Midland is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me account # XXXX
Consumer complaint received 2018-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (UT)

The account was charged off of with XXXX XXXX  in XX/XX/XXXX. I had been working with a debt consolidation company, XXXX XXXX XXXX, to settle the account. XXXX XXXX claims that they had contacted XXXX XXXX XXXX multiple time to workout a settlement agreement and received no response. I am no longer working with XXXX XXXX XXXX and they are currently under investigation.

Upon contacting XXXX XXXX on XX/XX/XXXX, I was informed that after the charge off date daily interest was still accruing. I was also told that when the loan was originally taken out the amount was {$5400.00}. The representative told me a total of {$870.00} had been paid on the loan. XXXX XXXX   told me they charged off the account for {$7400.00}. Currently the balance on the loan is {$16000.00}. Therefore, since the last payment on the account, they told me I had been charged {$12000.00} in interest.

In addition, after review of my credit report it shows the charge off balance as {$5300.00}. The last balance on the account was {$2000.00}. The credit report also shows that the account was charged off inXX/XX/XXXX. At this time I feel that the company is defrauding me of thousands of dollars.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

I recently open my credit card account with Chase. My card was flagged for fraud. I called their fraud department and was told to wait for a senior specialist to call me back. I have not received any calls. Therefore, I tried to cancel this credit card as it is not worth the hassle for me to pay for an annual fee when I can not use the card. However, the customer service representative is unable to close out my account. As I am unable to close my account via phone, I have sent a letter requesting the closure and have not heard any response. Therefore, I am going through this channel to get this account close.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a cashier 's check for {$37000.00}, issued by Bank of America, into my Bank of America checking account. They reversed the entry and said the check was lost, despite me having a deposit slip with the image of the check deposited into the account.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX I submitted to Freedom Mortgage a Notice of Appraised Value from the XXXX County appraisal District. to notify them of the tax value increase from the prior year. This home was a new construction and had not yet been taxed on the improvements. I sent the document in in order for Freedom Mortgage to do an escrow analysis and increase my payments so I would not be short in the escrow account at the end of the year. I wanted to make a payment to bring the shortage current and then have my payments adjusted higher in order to get to what the payments should be. However they refused to adjust my payments this was found out by a phone call on XX/XX/XXXX. I called since I had not received documentation on the outcome of the escrow analysis only to find out that they were refusing to re-evaluate my payment. I want to get this correct so it does not financially impact my family negatively. I know the account is short and I know my payments are too low, I do not want them to increase the payment by {$1000.00} at the start of next year because they refused to do the escrow analysis this year. It would be a great burden on my family and we would have to sell the home.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Request a copy of alleged obligation of debt owed by the incorporated XXXX XXXX. Frivolous information was sent to me, which is a None Response. Without this information it is fraudulent to report negative remarks on my open-ended credit account,. XXXX XXXX credits funded this account and it is fraud inducement to change currency from credit to federal reserve notes without full disclosure to the consumer. I have been had my negotiable instrument for {$720.00} " rejected '' without reason, although I was told by XXXX in collections it would returned if not accepted. I considered this account paid in full. Also, XXXX XXXX does not have an opt-out of a privacy disclosure option, this is a violation of Consumer Rights.
Consumer complaint received 2018-05-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (WI)

Company began garnishing my wages without providing sufficient proof that I owed the debt. When I called to begin a payment plan they said I owed them {$9900.00}, which is more then the {$8000.00} that they have submitted to credit agencies. It is also suspiciously just under the {$10000.00} point that needs to be documented and reported to the government.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/2024 {$910.00} was taken out of my account by a fraudulent company named XXXX XXXX. Within seconds of noticing the amount being taken out of my account, I contacted Chime to let them know of the issue. I was told by XXXX different agents on the XXXX and the XXXX that my money would be put back on to my card with no issue, and I even instructed to be sent a new card. On XX/XX/XXXX, I checked my account and the {$910.00} was taken out of my account. I contacted Chime where I was told that I had to file a dispute. I filed the dispute and provided evidence from my conversations with the previous agents, as well as evidence of XXXX XXXX  being a fraudulent company. I received an email stating that my dispute was denied. I called back into Chime to get an explanation, I was told that I could reopen the dispute. The dispute was reopened, and not even XXXX minutes after I received another denial email. I once again called back into Chime, and was told that I could reopen the dispute again. I allowed the agent to reopen the dispute, and was then told that a link would be sent to me via email to submit supporting documents. I told the agent that I did that in the initial dispute, and did not understand why my dispute was denied with the evidence. I also stated the conversation that I had with the previous agents. The current agent apologized and stated that he was unsure why they gave me incorrect information. I told him that I felt as if they were not really investigating my dispute, especially with the evidence that I had attached. He stated that the company would be contacted, which I told him there was no way for them to contact the business that I had tried over the course of 3 days. The phone number for the company is a XXXX number, where you are unable to speak to anyone. On the website you can talk to a virtual agent, but after being verified and stating that you would like a refund the chat shows that there is a " technical issue ''.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (CA)

My wife and I opened a joint checking and savings account with SoFi Bank in XX/XX/XXXX with a promotion of setting up direct deposit and receiving an account bonus of up to {$300.00}. During the promotion evaluation period ( within 25 days after receiving first direct deposit ), the checking account received over {$5000.00} in direct deposits which should have equated into a {$300.00} account bonus. The account bonus should have been credited within 14 business days. As of XX/XX/XXXX, my wife and I have yet to receive the bonus so I contacted support. I live chatted with customer service agent Ma, who confirmed that I was eligible and fulfilled the terms of the bonus but did notice that the bonus was never credited to the account. The customer agent stated they would file a ticket with the back office to get this corrected and to expect a resolution within 5 - 7 business days. On XX/XX/XXXX ( after 7 business days ), I checked my account and the bonus was still not credited to my account. I reached out to customer support and chatted with agent XXXX who stated they would check on the status of that ticket but instead disconnected the chat with me after XXXX minutes. I contacted support again and chatted with agent XXXX, who stated that no ticket had ever been filed by the pervious agent so they would file one then follow up with me. The agent also confirmed that I met the terms of the promotion.
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

Mortgage was sold while in loss mitigation for XXXX XXXX XXXX Bank refusing to provide documents making process extremely difficult for XXXX Reinstatement amount totally different from what was stated I owe!!! XXXX more than what I owe! 

Going to lose family house XX/XX/2021 loan modification was completed Then Covid!!!!! 

No break!!! No help for XXXX citizens!
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

We received our bill today with notice of new monthly fee of {$1.00} to be charged to our account EACH MONTH we are sent a paper billing statement for our Lowes charge card which is issued thru Synchrony. 

As seniors who prefer to send checks in the mail, we will not pay this fee. We continuously read articles about all the financial fraud from electronic payments. Even today there is an article about Venmo, XXXX and XXXX XXXX are leaving consumers vulnerable to fraud. 

We use our Lowe 's card fairly regularly but feel Synchrony is just trying to make more money off of the consumer. If the fee remains, we will no long use our XXXX 's charge card.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX Transunion and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I feel the need to reach for assistance from CFPB because there has been several unauthorized transactions in my personal Bank of America account. I filed a claim with back of America claim department back in XX/XX/2018, when I had first noticed the major decrease in my balance. The bank had temporary put back the {$1000.00} that was removed from about more than 40 unauthorized transactions. The bank later reached out to me, stating that my money was going to be removed again due to lack of evidence that these transactions were fraud. So I then filed a police report for identity theft and contacted the company that these transactions were being charged with my personal bank card information, which was XXXX, food delivery app. XXXX was able to locate more information of these transactions, like the phone number, address the food was delivered, and names. XXXX would not release information to me " due to safety '' as they stated, however they did mention XXXX will cooperate with law-enforcement for further investigation. So as evidence I then sent back copies of the emails I had with XXXX along with a copy of the police report to the Bank of America claim department. After this the bank continue to refused to replace the money which in the first place was unauthorized to be removed. I filed a complaint with XXXX   XXXX XXXX and as a result Bank of America replaced only XXXX back into my account. Which I found very insulting that Bank of America considered that a fair and reasonable resolution to this matter would be replacing {$110.00} out of the {$1000.00} that were removed without my authorization. Bank of America refuses to take responsibility for the protection of my money that was lost. Unauthorized transactions began on XX/XX/2018 and continued through XXXX till XX/XX/XXXX, which was when the last transaction was made before I canceled my bank card.