davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a citigold account with citibank using the promotion code which was sent to me by citibank with promo code XXXX. Which states I will earn XXXX bonus ThankYou ( R ) Points after opening a new consumer Regular Checking account in The Citigold Account Package after completing 1 or more qualifying bill payments for 2 consecutive Citibank calendar months. After I opened the account I got the confirmation letter confirming all the promotional detail by citibank and stated I was enrolled in this offer. After I was enrolled in the offer, I contacted citibank several times and the agents all confirmed I was enrolled in this offer and repeated the condition for fulfilling the requirements and confirming I am eligible for the XXXX bonus thank you points. However, after I fulfilled all the requirements and contacted citibank again to check when I will received the bonus points, citibank agent told me I will not get any points since I was not targeted for this offer. Which is clearly not true as I spoke to several agents confirming I was eligible and enrolled in this offer and if I was not targeted they should have told me I am not eligible in the first place. Also, I had several citibank issued credit card offering thank you points and I am a member of thank you point account which I believe is the reason I received the offer and I applied for the account. I believe citibank has made a mistake and confused the customer and therefore should credit me the points I deserve since I fulfilled all the requirements for the offer.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (CA)

Sallie Mae has been harassing me since the day my grace period on my loans ended. I have received calls as many as five to ten times a day, and I have discussed how I am unable to make payments due to financial hardships and lack of help from my parents. They refused to work with me, so I stopped answering their calls and changed my number. Eventually, friends and family members expressed their concerns over my loans and told me Sallie Mae kept contacting them about me. Sallie Mae now calls my work, and when my coworkers hang up on them they call back in a rude tone, demanding to talk to me. They have even talked to my Human Resources manager. It is not okay to mix personal issues with work issues.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I deposited {$7000.00} into my checking account. Wells Fargo took {$4000.00} for a delinquent student loan. I called and spoke to XXXX XXXX, supervisor, who stated that this is a " different kind of fraud '' and we would not have the money redeposited. We would not have the money re-deposited, we would have to wait for 5 days to determine if its " fraud '' and we would not receive a new account number since this was money was taken through Wells Fargo. We made bill pay and are now left with a large amount of overdraft fees. Wells Fargo Education had signed off this loan on my credit report after making 5 years of payments without a change in the overall amount owed. They made payments so high I could not pay them. And now they stole {$4000.00} from my account without filing a claim through the legal system. No notification by mail or email was ever received.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

My wife had accrued over a thousand dollars in one of her XXXX card which is serviced by XXXX bank corp. or HSBC. As she was delayed in her payments, Hsbc called her on the phone in 2010. HSBC made her to agree to several monthly automated payments through her checking account to pay the full amount. About 2 years ago, XXXX a debt collector served us papers through the courts suing us for the full amount. She searched her records but could not find any file that showed she had paid off the debt. We have accessed her checking statements online and indeed she made payments of around XXXX to HSBC card services CO id XXXX XXXX web misc XXXX for 5 months. She went to a local XXXX XXXX branch to identify what account the money went to. XXXX XXXX said they could not help us and told her to call HSBC. She was told by HSBC that they do not have records on how to track these transactions. We contested this in the local courts and the judge ruled that since we can not prove that the money did not go the account which is now held by XXXX that we have to pay XXXX XXXX. We sent a certified letter to the lawyers of XXXX XXXX stating that we are willing to pay on a monthly basis to cover the amount. My have not heard from them since. My wife is seeking a mortgage and the broker said that she has to settle this account before she can get a mortgage. 
We need help in trying to trace where the money went. 
As a warning to others, always keep your records whenever you payoff a debt. Also automated debits do not give a full record of where your money goes so probably it is better to pay off by check as a back up record. Creditors want to give you discounts on your debt for automated debits as probably it is hard to trace where your money went.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my Trans Union Credit Report, I noticed the there was XXXX account listed as XXXX XXXX Mortgage XXXX XXXX Showing a 30 day or more later payment. I called Trans Union to clarify this being XXXX XXXX Mortgage XXXX. 
I Have a mortgage with this company. I knew this information was incorrect because I pay my mortgage every month without fail on or before the XXXX of every month. I also knew that I could prove that this transaction takes place every month, because it is paid from my bank account. 
I then filed a dispute with both the credit bureau and XXXX XXXX XXXX, Providing both of them with my bank statements for the past 12 months showing my monthly payments without fail. 
One month later Trans Union sent me a copy of my credit report with the same information showing. I then called Trans Union to ask why it still showed a 30 day late payment and was told that Trans Union does not except bank statements as proof of payment and that the information would remain until XXXX XXXX made the correction. 
This negative reporting on my credit report has impacted my credit score greatly. It is unfair that Trans Union would except false reporting from a company, and then refuse proof of payment by the consumer. 
I ask that this be looked into further please.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (OR)

My wife and I bought a home at XXXX XXXX XXXX, XXXX XXXX , Oregon in 2002. We bought it for {$81000.00}, and a payment of {$720.00} at 7.5 interest. My wife left me about 2 years ago and refuse to pay anything on this house. She did sign over a quit-claim deed. I went to my mortgage company, Freedom Mortgage, and ask if I could apply for a hardship program due to loss of income from my wife. I am XXXX years old, XXXX on Social Security income only, a XXXX veteran and a XXXX I suffered in a car accident when I turned XXXX. The mortgage company put me on trial basis and lowered my payments per month at {$590.00} per month. I have always paid what was required every month without missing one payment, but they are saying in one of their letters they have not received any payment - that is not true, they received the lesser payment required of me to pay. During this time, the mortgage co., kept adding on extra charges per month the difference between the trial payment to the original payment. When I asked them about this extra charges, they told me not to worry about it. When the modification came for me to sign, it requires my wife 's signature to go through because her name is on the mortgage contract and she refused to sign. When I asked could my name be listed only on these papers because she gave me a quit-claim deed. They told me they could and re-issued me new papers with just my name, I went to the housing authority and had this papers signed, notarized and sent back. In one of their letters they denied my modification as they say I did not send in the paperwork signed and assisted by HUD. That is not true! I sent them the paperwork on schedule. 5 months later they come to me and tell me they still require her signature and if she does not sign, I am going to go into foreclosure, because adding the difference between my trial payment to the original payment, I am delinquent with my mortgage and owe them {$5300.00} and if I do n't pay this amount up to par by XXXX XXXX, they are going to start foreclosure procedures on me. My home right now I owe is {$63000.00} and I feel what this mortgage co., has done to me is unfair practices. I need help!
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to XXXX from XXXX XXXX, 2016 until XXXX XXXX, 2016. While I was in XXXX, there were XXXX charges to my Bank of America credit card in XXXX California ( {$150.00} on XXXX XXXX, 2016 and {$100.00} on XXXX XXXX, 2016 ). There were no other authorized users for that credit card, and I had it in my possession during the entire time I was in XXXX. So, there is no way that I could have been responsible for those charges. 
I filed two disputes for the charges, and Bank of America denied my claims twice even after I submitted documentation showing that I was in XXXX during those dates ( boarding passes, hotel bill, metro transactions, and sales receipts ).
Consumer complaint received 2017-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I Were contact by this collection agency XXXX XXXX XXXX XXXX XXXX about a debt that Were place in there office from the original creditor Captail one credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (OH)

We have several accounts at KeyBank. Someone did an online transaction and took a total of {$1000.00} from XXXX of our accounts and created a new account and put the {$1000.00} in the account that they made up and then took the money. We contacted the bank immediately. We were told that it looked like someone within the bank was internally moving money and it should be just fine. It never was fine. We have spoke to the Branch Manager and the Fraud Management in New York and we have been told that the fraud department investigated and it could not help us with anymore assistance. The letter stated that we would not be getting a return of our {$1000.00}. Please help us. This money is to pay for my real estate taxes and home owners insurance.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AR)

There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX/XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Experian several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
Consumer complaint received 2017-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (GA)

I Were contact by this collection agency Alliance one receivable management XXXX about a debt that Were place in there office from the original creditor XXXX XXXX credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

I received a letter from a debt collection agency for {$10.00} for a medical service. I never received any communication from the medical provider that I owed this amount and the first I am hearing of it is from the debt collection agency.
Consumer complaint received 2017-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent this person money onXX/XX/XXXX apparently he picked it up on XX/XX/XXXX and now I suspect fraud because he is not returning any of my phone calls or text messages now I want to file a complaint to see if I can have my money refunded
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX Account Number : XXXX XXXX Case Number : XXXX and XXXX I authorized a XXXX card payment of {$360.00} on XXXX XXXX, 2016 during a telephone call to a XXXX XXXX XXXX, representative of " XXXX ''. The {$360.00} payment was with respect to a 20 % deposit for a cruise vacation package. I was prepared to risk loosing this {$360.00} payment, as there was a possibility that work commitments could prevent me from taking the vacation. 
( I have no dispute with " XXXX '' or Capital One with regards to this {$360.00} amount ). 
My dispute is based on the fact that on XXXX XXXX, 2016, without my authorization, " XXXX '' took the balance of {$1800.00}. It would appear that the " XXXX '' representative simply choose to process the {$1800.00} payment on XXXX XXXX, 2016, using the XXXX card number details that had previously been provided. 
During our XXXX XXXX, 2016 telephone conversation, XXXX XXXX XXXX, agent for " XXXX '' was adamant that I had provided necessary authorization during our initial XXXX XXXX phone call, and advised that a refund would not be made. It would appear to be a case of XXXX XXXX XXXX 's word verses mine. 
When you phone the " XXXX '' telephone number ( XXXX ) a pre recorded message advises that the telephone call will be recorded. Therefore, if " XXXX '' are operating in accordance with their own procedure, they will have a recording of said calls. 
On at least three separate occasions, I have made written requests to XXXX for them to request " XXXX '' to share telephone recordings, in order to establish the validity of XXXX XXXX XXXX 's claim. 
I have made several requests to XXXX for the return of {$530.00} owing. XXXX has responded, saying that they are unable to assist, and assigned a " case closed '' status.
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (NY)

My wife and I had XXXX XXXX XXXX prescription coverage with XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a few years. The yearly premium increases made the XXXX monthly costs not affordable for us. We called them in XXXX XXXX and said we no longer could afford this plan. They continued to send us bills month after month. We did not use this plan to pay for any prescriptions after XXXX XXXX. We wrote them a note in response to their last bill stating the above. They ignored our note asking them to stop sending us bills for a plan we no longer have and have not used since XXXX XXXX. They now have a debt collection company, RMS in XXXX, Ohio trying to collect {$190.00} from both myself and my wife ( a total of {$380.00} ) We do not owe XXXX XXXX XXXX this money for a plan we no longer participate in or made use of after XXXX/XXXX/XXXX. This company has not paid XXXX towards any prescriptions for us in XXXX.
Consumer complaint received 2017-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (PA)

I have taken a {$6500.00} loan out with Avant to consolidate some of my credit card debt. However I decided I wanted to payoff the remaining balanced I owed of {$4500.00} with a lower interest credit card I had so I called Avant XXXX XXXX, XXXX at XXXX to payoff my personal loan with them. The representative gave me a quote and I told him I would be using my credit card to pay off the amount. He then asked why, and I told him because I have a lower interest rate on my credit card so I would like to pay the whole amount off with it. Then he put me on hold for a few minutes than got back on the line and said I ca n't pay it off with my credit card, I can only pay the monthly installment amount. While all this was occurring I was reading the contract I have with them and no where does it state that I ca n't payoff with a credit card. So I told the representative that it does n't state anywhere on the contract that I ca n't use my credit card to payoff. And he said he was aware that it does n't state it but he continuously refused to allow me to payoff my loan. He then sent me to another rep whom was his manager. And I repeatedly said it does not state anywhere on the contract that I can not pay my loan off with the credit card. And she said yes it does n't but we ca n't and she kept on apologizing. The whole conversation was worthless. She wanted to transfer me to resolution but I asked what are they going to do? Tell me the same thing? I 'll talk to my attorney. And she said yes, I apologized. So I told her I dont want to speak to them if they ca n't help. It just does n't make sense, they will be getting their money if I pay off but it seems when I mentioned I had a lower interest rate on my credit card they did n't want to accept them because they want to make money off the interest on the monthly installments.
Consumer complaint received 2017-09-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TENET HEALTHCARE CORPORATION (GA)

I am submitting this complaint for account number XXXX. My patient reference number is XXXX. I received a letter from a debt collection agency regarding a bill that I have been paying to XXXX XXXX XXXX Hospital. I was never placed on a financial/payment plan with this company and never received a bill from this company until a month later ( Received XXXX bill in XXXX, XXXX bill in XXXX and etc ). Therefore ; I took the initiative and started paying on it before I received a bill to ensure that I did not encounter late fees. I have paid a total of {$120.00} on this bill ( XXXX/month ) because that was the amount that I was able to afford based on my other bills. I have never missed a monthly payment nor did I receive a certain amount that I would have to pay but my information was sent to the debt collection agency. I have the check numbers for the amounts I have already paid XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX )
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went to XXXX XXXX XXXX on XXXX/XXXX/16 to have XXXX tires installed and a wheel alignment. When I pulled away I noticed immediately that my car was pulling hard to the right and that the tires were making an awful amount of noise. I took the car back to XXXX the next day and told them that I was unhappy with the noise of the tires and that the car was pulling hard to the right. I was told that the tires being noisy was normal. The tires make a loud whining noise which gets worse when I turn. It sounds like the tire 's are rubbing against the inner fender. I checked the wheel well and saw that nothing was close to even rubbing against it. I left the car there to have the alignment corrected. I picked up the truck and again when I drove away the car was pulling to the right. I tried speaking with XXXX customer service but was hung up on multiple times. I spoke with the manager at their XXXX location and he told me that the truck was to long and tall and that none of the XXXX locations have the proper equipment to do the alignment properly. I had to go to an alignment shop which I have the receipt to show proof that I took the truck there. I ended up filing a dispute with my bank capital one. They denied my dispute and they did not give me a reason why. All they did was send me a copy of my receipt. I wrote a letter and sent it to them explaining the problem and a copy of the receipt from the shop I took my truck to have the alignment done properly. I called and they said that they were not going to look into it any further and that the dispute is closed. I did not spend {$1100.00} to have annoying noisy tires and an alignment that could not been done properly.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.