davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (MI)

Hi, I would like to file a complaint against XXXX XXXX XXXX, XXXX for stopping payment on XXXX checks that they had issues for me back in XXXX and XXXX 2016. 

On XXXX/XXXX/16 I received a statement from my bank XXXX XXXX indicating that XXXX checks returned due to stop payment by XXXX XXXX XXXX credit card company. The XXXX check was issued on XXXX XXXX 2016 in the amount of XXXX and the XXXX check was issued on XXXX XXXX, 2016 in the amount of {$5.00} dollars. My bank statement also indicated that I was charged {$20.00} for stop payment fee for a check. I called my bank and asked who stopped the payment on these XXXX checks and I was informed that XXXX XXXX XXXX issue the stop payment and that I needed to call them to inquire to the reason why they did that. I assumed that because I deposited the checks after 90 days that this may be the reason why. 

I called XXXX XXXX XXXX and shared above information and asked if the checks can be re-issued and I was informed that the account had been closed since XXXX XXXX XXXX has transferred all XXXX VISA accounts to U.S. Bank since XX/XX/2016. I was informed of the transfer of my account to US Bank but was not sure at this point who is responsible to re-issue the checks. I asked XXXX XXXX XXXX if they can re-issue the checks and their response was that they will not be able to because they no longer have my record and that U.S. Bank XXXX master card have my record and should be able to issue me my money. 
I called U.S. Bank XXXX XXXX card and explained all above and they indicated that they do not have my previous record and that they could not help me and that I should call XXXX XXXX XXXX. Once more I called XXXX XXXX XXXX and informed them of what U.S. Bank representative indicated that XXXX XXXX indicated that they can not re-issue the checks because my account have closed and they no longer have access to my account. My question is is that the checks was originally issued by XXXX XXXX XXXX, and not US Bank but each is asking me to call the other and none want to explain how I can retrain XXXX my money. Please advise to the best course of action given the situation. I am informed that XXXX XXXX XXXX have nonpolcies in place for such circumstances and there 's nothing I can do and that the my money Will not be reimbursed because my account is closed. Is there something I can do to retrieve the money. Look forward to your advise. Thank you.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (VA)

My credit card number was compromised and unauthorized charges appeared on my statement. I informed Elan Financial Services and a new credit card was issued. All fraudulent charges except for XXXX have been removed. I contacted Elan Financial Services several times, and customer service has not yet removed the last remaining fraudulent charge of {$140.00} made on XXXX XXXX, 2016 for " XXXX. '' I am requesting CFPB assistance as unfortunately it has been nearly one month with no removal of this unauthorized charge on my Fidelity credit card issued by Elan Financial Services.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (AZ)

Automatic Payments were dropped upon replacing a lost card. The account remained the same. There were no disclosures upon replacing the card that there would be a need to re-enroll in Automatic Payments. The Payment did not pull on XX/XX/XXXX and the card was frozen without notice. Upon calling the bank to find out why the card was frozen when I returned to the country on XXXX XXXX, it was discovered that this was in fact bank error and the account should have never been late. The bank refunded the late fee, but would not remove the restriction on the card. Prior to understanding this was in fact a bank error, a XXXX payment ( XXXX x times the minimum ) was transferred with US bank funds. It was refused to release the restriction from the card until Tuesday, XXXX XXXX, leaving me without the use of the card for 4 days as well as all of my funds tied up from the checking account in limbo to this payment. There needs to be clear and quick resolution for customers when the fault does not lie with the customer. I spoke with XXXX supervisors, XXXX agents, and requested to speak to a manager. The request to speak with the manager was denied, and stated they would return the call. They did not. Additionally, I asked for the head of the credit card division contact information, name nor number was provided. I asked for an escalation avenue and this was denied. Transparency in escalating requests and timely follow up with a large customer service issue did not occur.
Consumer complaint received 2015-11-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (AZ)

I was a victim of fraudulent activity on the account. An investigation was started and concluded it was fraudulent activity. ( See enclosed documentation. ) Now all XXXX reporting agencies have a negative item from Elan Financial Services ( XXXX XXXX XXXX XXXX, PA XXXX ) stating I was 30 days past due in XXXX 2015. As you can see on the documentation, the investigation was concluded in XXXX. I have spent over two hours on hold and have spoken with XXXX people trying to rectify this situation, but to no avail. 
I also contacted the XXXX reporting agencies regarding this and Elan informed them that the 30 day late judgment is accurate. How could that be correct when I was found to be a victim of fraud?
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (GA)

I am opted out of overdraft protection at BB & T. I have been charged an overdraft fee on numerous occasions, even as i have been opted out of all overdraft protection for over 30 days. I would like to launch a formal complaint against BB & T charging me when i have not authorized overdraft fees.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (FL)

First, I am having a temporary financial setback and I have tried to work with Discover Cards to mitigate the situation but it only seems to be getting worse. No matter what you say to them, they ignore you and try to set up a payment. As many times as I say, I ca n't commit to a pre-arranged payment, they do not listen and repeat the same question of setting up a payment. These people must be on some type of commission because they are relentless and they do not listen or respect the consumer. I do not like to make arrangements that I am not sure that I can fulfill. I feel pressure and I am usually depressed when I get off the phone with them after phone calls that have lasted over an hour. 
Second, they are leaving messages on my answering machine say there is some type of savings opportunity I should be aware of. Everybody within earshot knows that it is a call that I am behind in my bill and that is something that I do not want to share with the rest of the world. 
Last, on the last phone call, when I spoke to their representative on XXXX XXXX, I was told I was past due 60 days, which confused me. I did not know I was so behind in the account. The representative said that I started being delinquent one day after the last payment on XXXX XXXX, and I had made a partial payment after that. I found this confusing. Is this true or a marketing technique to put fear into the cardholder 's mind that they are worse off than they think? Is that true and legal? Thank you. I need clarification of the delinquency issue/
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: DISCOVER BANK (AL)

Discover Personal Loans have called me multiple times before XXXX and after XXXX. They are calling me from XXXX and have been calling for over a month. I have been called at my home and work on multiple occasions to the point that it is extremely frequent and repeated.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK (CA)

Ok so when I seen discover on my report I called into discovers customer support, which then transferred me to a different department and I spoke to a very nice women named XXXX, but she could n't offer any help. She referred me to a different collection company named XXXX '' who were very rude and knew nothing. I then sent a email to XXXX XXXX XXXX, I received a packet in the mail with some transaction history. Honestly I remember having A XXXX dollar limit and I remember paying it. In the packet I noticed the transaction history I noticed a XXXX limit and other transactions. Back in 2013 I was n't in my right mind, my XXXX. Now that I am stable, I 've noticed the account on my report and I cant remember. There are also other accounts on my credit that were opened online around the same time and I had to contact those institutes as-well and they are helping and giving me an understanding. There was a women a live in room mate that I used to have dealings with back then who just completely disappeared, and was n't here after my treatment I 've tried searching for her, theirs no information on her name XXXX when searching for her, but I have a strong feeling it was her and everything was a lie every hand I was dealt just blows up in my face and destroyed my life, for instance I simply have no need for a XXXX XXXX account that was opened under my name because I am a male. I am not saying I did n't have a discover account. I XXXX and on social security from XXXX I take and I have a hard time with phone calls XXXX. Im not the way I was before treatment. I 've called customer support because I remember being a customer and how sweet and nice everyone at discover is not like that with me anymore. I was never aware of owing money and I want to know why discover was not there to offer me help or work out some plan back then. Discover you are giving me XXXX. XXXX time I called " XXXX '' told me to contact XXXX '' number XXXX a rude company that had no knowledge of me. Then called discover again and was referred to call XXXX number XXXX this company does n't exist. Then in the packet XXXX XXXX XXXX sent me it says call XXXX number XXXX. My credit is messed up because I was not responsible with my personal information when we had live in roommates and I would just leave credit cards and SSN card anywhere and I do take full responsibility for that, BUT discover is just passing my information to company to company and me having to call places passing my social security number to fake company 's or god knows who, but i really liked discover and they never offered to help me, I never knew what was going on I thought it was paid. I use to get calls for card protection everyday which I remember getting and I always thought it was covered. I just wish they would remove the charge off because i do n't feel i owe then a whopping XXXX.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (WA)

I transferred a small balance from an interest charging credit card to Discover card so that I could take advantage of an interest-free offer for a specified period of time which I believe was one year. Apparently that time period has expired inasmuch as they have, without ANY prior notice, charged me interest on the balance effective this month ( XX/XX/XXXX ). I have done this with other cards in the past and I have always received notice that the 0 % interest rate is about to expire. I have double-checked the prior 2 moth 's statements just to be sure I did n't miss something! I can not find anywhere on those XXXX statements where I was in anyway notified that my 0 % interest rate was about to expire.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (KY)

Discover Card advertised and has been running a promotion whereby the account holder will receive 10 % bonus points/miles for purchased up to {$10000.00} total made using XXXX. After the promotion began Discover changed the terms to dis-allow gift card purchases to count towards the promotion. They have arbitrarily declined me the bonus multiple times stating they believe I had purchased gift cards. They stated that if I did not purchase gift cards I should email them scans of my receipts. This shows that they are erroneously and without merit denying claims to the bonus with out any actual information or proof. They are also asking me for receipts, which I do not have because I did not keep them due to the fact that the terms of the promo do not mention the need to keep receipts. Discover is being very deceptive luring me and others in to a promotion and the using bait and switch tactics to not have to pay out.
Consumer complaint received 2015-09-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (CA)

To Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers ( XXXX and Discover ) and XXXX consolidated batch from the US Dept of Education. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXXXXXXDiscover : $ XXXXXXXXUS Dept of Education XXXX : $ XXXXXXXXTotal : {$1300.00} ( monthly ) Total Loan DebtXXXX Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXXXXXXDiscover : $ XXXX : $ XXXXXXXXTOTAL LOAN DEBT : $ XXXXXXXXI earn approximately {$XXXX} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a XXXX, so I hope to take advantage of the Public Service Loan Forgiveness Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (OH)

I canceled my Discover Credit Card in XX/XX/XXXX of this year, due to numerous unauthorized charges ( mostly by XXXX 's ) and XXXX disputes that were found " in favor of the vendor '' in excess of hundreds of dollars, although documentation was not properly collected nor investigated properly. I have now received a statement from Discover with a charge dates XXXX ( 2 months after I canceled my card ) for a XXXX warranty in which during a call on XX/XX/XXXX, Discover informs me " we have documentation that supports the vendors ( XXXX ) charge. '' I however, have been directly communicating with the XXXX Offices of XXXX, and they have assured me that my warranty in the amount of {$85.00} was not charged. When I called to complain about this fraudulent charge to Discover, they REFUSED to give me anyone 's name, and would only give me a " p.o.box address to lodge a complaint. '' They also threatened ( bullied XXXX me that " if you do n't pay, you will be charged late fees. '' As an independent XXXX, I have spent a PLETHORA of hours upon hours from XX/XX/2016 to Present, fighting with Discover, which has equaled additional financial loss. Please tell me how a credit company in which I separated services with over 2 months ago is holding me in financially responsible and XXXX for unauthorized and fraudulent charges to a credit card THAT NO LONGER EXISTS?
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (MI)

Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. 

We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. 

We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I sent in XXXX police report and the federal trade commissionand Equifax erfuse to removethe refuse to remove XXXXinquiries keep on getting d different answers.sent in what asked for and unable to get my credit report have to call in everytime. XXXX sent up not fixed. there response is to cancel need to monitor my creditreport due to identity thief. charge me XXXX and what to cancel instead of deleting old reports.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (AL)

I received a letter on XX/XX/23 stating my credit card ending in XXXX was to be closed. I am XXXX with them closing my account as they also closed my checking account recently and have moved my business elsewhere. I am not okay with them taking hundreds of dollars in the reward points that I deserve and earned from them. I want those XXXX rewards dollars sent to me as a check immediately with interest.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: PNC Bank N.A. (FL)

I had a second mortgage with RBC account # XXXX. This was settled for less than the original amount XX/XX/XXXX. It is being reported on my credit as a " charge off ''. This is preventing us from getting a mortgage. I was told by PNC to submit the following information : the dismissal from RBC, the page of my credit report where the error appears, the bureau reporting as a charge off, and a brief description, referencing the RBC account number of what happened. I was under the impression that by law, they had to respond to me in 30 days. They signed for the letter sent via priority mail XX/XX/XXXX. I called on XXXX when I had not heard anything. I was told by someone in the XXXX that they were working on it, and to call back once the 30 days had passed. I phoned the XXXX XXXX XXXX today, XX/XX/XXXX and spoke with a man named XXXX XXXX. He transferred me to " Consumer Services '' ( a nice word for collections ). They told me to call XXXX, who is a collection agency that called me immediately after I sent in my request to have information corrected on my credit report. Once I sent them the documentation I had submitted to PNC, they did not call me again. I declined the suggestion of the agent in collections to call XXXX, and instead called back to the XXXX '', where I spoke with a woman named XXXX XXXX. She indicated to me that they would send me a response. I told her they have to do that within 30 days by law, and that deadline had passed. I told her I was submitting a complaint to the CFPB because we are trying to get a mortgage and are unable to because of this. I asked her to add that to the notes on our file. She agreed to do so.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

XXXX lied to us and said there was no contract and it would be the same like the one we had : {$95.00} for first line and {$10.00} for second line, total bill would be {$150.00} like the one we had before. In fact, the bill was {$190.00} and we never agreed to pay that price. XXXX rep said there was no contract so we returned the phones to sprint because we knew we could n't afford $ XXXX/month and if we knew the phone was not us at the end, we would not agree. XXXX made it very difficult to return the phones. sprint customer service rep said we could return at the store and many stores said they are 3rd party stores and could n't accept it and I had to go to the original store located in XXXX XXXX, tx where we bought the phones to return them. we went to original sprint store located in XXXX, tx for XXXX8 times and they refused to accept. I asked them so what they were doing at the store and they said they only activated phone. Too tired of going back and forth to the store in XXXX when we do n't even live in XXXX, we shipped the phones back to XXXX ( with XXXX confirmation ) and it showed that they received the phones. Then XXXX sent my account to collections and reported negatively on my credit report since XXXX of this year. I sent many letters to XXXX and collection agencies and receive no response. This has affected negatively on my credit report and my employment background check for my job when I do n't owe the debt
Consumer complaint received 2016-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (MI)

I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (UT)

My husband and his previous deceased wife have a collection on his credit report from XX/XX/XXXX. I called the collection company 'Outsource ' to get information on his report. They now have that collection debt on my credit report! I called the company about my credit report and that the debt is not mine - this occurred in XX/XX/XXXX and I married my husband in XX/XX/XXXX. They did agree and stated that they would remove it from my credit report. This was on XXXX/XXXX/XXXX. They informed me to " check my credit the next week and it would be removed. '' I again checked my credit report on XXXX/XXXX/XXXX and it was not removed. Again I called the collection company 'Outsource ' and again the manager agreed that it should be removed and they would have it removed as soon as possible. I did question their process because they stated they had given information for it to be removed from my credit report previously, but it had not been removed. Checking my credit report today - I am showing that the collection is still on my report and has not been removed and I am showing that XXXX/XXXX/XXXX was the date it was reported. ( I am assuming this was the updated date of any information from the company ). If they are reporting ANY information in a timely manner, would it not be removed by now? This has greatly impacted my score - it has dropped XXXX-XXXX+ points! Will this be corrected? 
Thank you, XXXX XXXX