davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I lost my American Express credit card and called American Express. They said they sent me a new card. I never received the card. I tried to call several times but the wait is over 20 minutes. I got a bill for the annual fee. I called to cancel because I never received the card. When I called they kept trying to sell me on getting a " blue card '' and a big promotion they were having. I told the rep I just wanted the {$450.00} charge removed. He said yes for sure but I needed to apply for the blue card and must get a green card. He talked me into it so I agreed because I couldnt ' get him to just get rid of the card fees that i never rec 'd. A few weeks went by and AMEX only credited {$370.00}, not the {$450.00} they promised. I called several times but am not allowed to call from work. I work XXXX hours a day because I am a sole provider trying to support a family. My husband lost his job in XXXX. I can not call from work. I do not have time to call and sit on hold for 20 minutes. Today I called and sat on hold for 20 minutes. The rep, ID # XXXX said he did n't believe me and would n't reverse any charges and kept talking over me so that I could n't talk. American Express is now harassing their customers and telling them lies and making them sit on long hold periods to steal their money, how is this legal? He would n't do anything for me but harass me.
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AE)

In XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Duncan Solutions, lnc. (NY)

I received a debt collection notice from PAM, LLC which is the second time I 've been harassed about a fictional debt from this company, and also is the second time I 've been notified of this particular fictional debt ; the first time by a company which ended up settling a class action lawsuit from which I received a settlement award for opting in. I can assure you that the car in question has never been driven XXXX border and would not have made it on a return trip if it was.I was day playing for a rental house company in XXXX the week in question, but was given the day off. At the same time, I was helping coordinate the XXXX portion of a documentary shoot that was to take place in XXXX and was in correspondence with the production coordinator on XXXX XXXX, XXXX among other days that month. I believe now as I believed the first time I received this notice that this was part of a ticketing scam in XXXX. I am not a XXXX resident, nor had I traveled to XXXX since XXXX as part of a XXXX and even then, I did not drive my personal vehicle. The first agency refused to accept the idea that this was a phony ticket, even though there are plenty of instances of this occurring and ended up losing a class action lawsuit. The current company has harassed me in the past and I had to report their tactics to an agency in order to back them off. Unfortunately, they seem to be using a tactic in which I can not prove without a doubt that I WAS N'T there, since I did not have any check-in points throughout the day, but my plans and activities before and after that date should imply that I was not there and had no plans or intentions of being there, not to mention there is no photographic evidence to support THEIR claim.
Consumer complaint received 2016-06-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (DC)

I was contacted by American Medical Collection Agency ( AMCA ). AMCA violated the Fair Debt Collection Practices Act in several ways. AMCA did not give me notice of my right to dispute the debt. AMCA did not give me enough information to verify the debt. AMCA refused to provide me with the address of the original claimant when I requested it. I would request that the CFPB take any and all measures against AMCA based on their violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-09-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Every year I apply for the XXXX County 's tax credit. I receive it every year. The tax credit check is sent to the mortgage company to help pay my taxes. It will most of the time lower the amount of escrow and in some cases leave me with a small refund due to a surplus. I have been with Ocwen for the past 4-5 years. My escrow is continually going up even though the tax credit is sent to them every year. The money is not deposited in my mortgage account or returned to the county. I have no idea where it is going. The county sends it directly to the mortgage company. So every year when I apply for the credit and get approved the money is going somewhere and Ocwen says they have no proof of it being sent. The county has proof of sending it. I am upset because I should not be paying the amount of escrow I am paying. That 's the whole purpose of the credit, but every year it is not applied to my account. I would like to have it researched and credited to my account every year going forward. I would REALLY like to change mortgage companies. Thank you for any help you can provide.
Consumer complaint received 2016-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC (CA)

Allied Interstate at XXXX continues to want more money from me for my student loan. I gave them my account number to withdraw the amount we had agreed on, but this is the third time that they continued leave tons leave phone messages for to return their call. I do not want to keep talking to them over, and over and over again. We had agreed on an amount, and they called me back and wanted more money so I agreed and the money was deducted from my account. Today ( XX/XX/XXXX ) I called to see what they wanted because they are leaving so many messages on my phone, no one else can leave me a message. I was told that I needed to pay more money after they had re-reviewed my account with them. I had sent them my paycheck stubs, and whatever else they wanted, but they are never satisfied. I am requesting that my account is returned to Department of Education so I may returned to their forgiveness program in 10 years and they are more professional. Thank you.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got a kohl 's credit card in XXXX CA. When my first payment was due I called a representative of Kohl 's and ask them to change my billing date to the XXXX of every month to keep from getting charged late fees every month. The first time I called was XX/XX/2016 to get them to change my billing date. I was told I had to pay my balance up before they would make any changes to my account. I called them again today on XXXX/XXXX/2016 and again I was told I have to pay my balance up including any late fees. I explained my situation to them and they was not willing to work with me to resolve this issue.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I made a transaction with auto transportation company and they charged my ( credit account ) {$140.00} on XXXX /2016. I made payment of ( {$720.00} ) on XX/XX/XXXX/2016 to my credit including the aforementioned amount. On XXXX/XXXX/2016 my credit account balance was ( ZERO ). 
Later I cancelled my order with the transportation company and asked them to refund me my money to the credit account, and they did so. 
I contacted credit company and asked them to transfer the ( refunded {$140.00} ) to my checking account because this amount is ( MINE ), and they did so on XXXX/XXXX/2016. To this point the credit company and me are even and there is no debit on me. 
Later on I saw that the credit company ( CHARGED ME AGAIN ) the ( {$140.00} ) and they added it to my balance. I visited XXXX branches of Bank of America several times, I called credit company several times but they did n't solve the problem. 
The credit company wants to charge me ( TWICE ) for a debt that I 've already paid. 
Please help me, I 'm a low income person and I do n't find money in the street, I work hard to earn my money and I want my {$140.00} back. 
Best regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To whom this may concern : I 've submitted a dispute to Transunion to remove inquiries off my credit report, I understand that they should n't be allowed to put inquiries on my file unless I have authorized it. They recently removed the inquiries then added them back. Please have transunion remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. I have sent several letters to them with.
Consumer complaint received 2016-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

Never take the credit card offered by TD BANK. the problem is their customer service. They do not listen, well they listen and pretend they will follow your directives. I paid OFF my credit card, overpaid it by {$98.00} or so ) from my Che kings count ). I asked them to put it back into my Che king account. No, they send a Check. Now, another month or so goes by, I have a XXXX BALANCE ON CREDIT CARd. THEy TAKE {$200.00} from my ChecKing account to the credit card ( duh ) and give me a CREDIT BALANCE of {$200.00}. I have sent XXXX messages, XXXX Friday morning, XXXX today, Saturday ... l No reply from TD, but my $ is gone to the card, not in my Che King account. I TOLD THEM TO CLOSE THAT XXXX CREDIT CARD ACCOUNT when I paid it off. now I will be looking for a new bank. I 've been with TD now for about XXXX years or more. they will not accept any responsibility for their credit card, they just TALK YOU INTO GETTING IT.
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank of America checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another " overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Bank of America assessed my account what they call an " extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as " XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an " extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told " XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said " the soonest our bank could have reflected that would have been the next business day ''. I asked her " what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me " there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Bank of America 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Bank of America makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.
Consumer complaint received 2016-12-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (PA)

Received a letter from New Penn Financial NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX regarding an FHA Streamline Refinance. They wanted my SSN to pull a soft report. I declined, but they said it was necessary for them to work figures. Gave them SSN. I later found out that they did not have to pull credit and that the credit report they pulled was a hard credit report. I have requested the hard credit report be pulled from my XXXX Credit Report as I did not authorize a hard credit pull. New Penn employees are either not trained properly or a doing something against the wishes of potential clients.
Consumer complaint received 2016-09-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

The account was set up for automatic payment and 59 payments had all been paid on time. It was the last payment which was a different amount then the other 59. We sent in the payment to The company and the check was cashed. The company continued to send us unpaid invoices. We talked to them and showed them that the check was cashed. It took us several months to figure out that the check was cashed by another part of the same company. We both figured this out and we sent another check to the company at another address and they cashed it and all was paid. We are still waiting our initial payment back from the company. They still are reporting our payment as 60 days late even thou we showed proof that the payment was made and the check was cashed by their company.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and Transunion
Consumer complaint received 2016-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (NY)

I worked for XXXX and when I left the company, I owed them {$620.00} in commission I was advanced. They gave me until XXXX XXXX to pay the debt and I payed it on XXXX XXXX. Despite the fact that I paid my obligation, XXXX sold my " debt '' to XXXX XXXX XXXX XXXX. I informed the debt collection company that I had paid this debt ( provided canceled check information and provided contact information for XXXX employees who could verify this fact ) and never received any feedback from them regarding this issue. I called them on XXXX XXXX to see if this situation has been resolved, and they told me XXXX informed them that I had paid my debt and no longer owed them anything. I asked for them to send me something in writing saying my debt was satisfied so I could have this erroneous claim removed from my credit report because I am buying a house next year.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... 
Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ASSOCIATED BANC-CORP (IL)

Associated Bank who I have been a customer with for over 10 years is continuing to add fees to an account that is already overdrawn. I am constantly getting conflicting information, I was told by the customer service toll free number that I could cash checks on my savings account since it had a positive balance, I was told at the branch that I would have to deposit my work check in the negative account even though I am not in the position to do that. I was at the bank on Saturday cashing a {$4.00} check and I heard the teller yell that my account was overdrawn which a few people overheard. The teller should have just given me the negative balance on a receipt and not yell it where other people could hear it. It was very unprofessional but the bank states they will close this account if the balance is not bought to a positive balance, the account will be closed on XXXX/XXXX/16. I have spoken to my other bank XXXX XXXX about not honoring my check but they are investigating this and I was advised it could take about XXXX days which means this will be resolved until XXXX/XXXX/16 per their calendar. I want all of the fees after XXXX/XXXX/16 to be credited back to the account because the account is already negative so need to add unnecessary fees to the account. I had Associated Bank collection calls and they claim my address is incorrect even though my address has been the same for over 12 years. They continued to call me even though they claim the information is not correct.
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Loans with Navient for college, XXXX XXXX XXXX. I was pushed into these forbearances and deferments. I did not understand and it was not made clear high interest rates would still be accruing.
<P/>
XXXX XXXX- {$3500.00} Subsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX DeferredXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX Deferred XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- {$1200.00} Subsidized loan Placed in forbearanceXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXXXXXX XXXX -- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXX
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.