davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Bank of America card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.
Consumer complaint received 2016-12-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I received letter last week from XXXX a law firm which states they do n't have any attorney personally evaluating my account however Midland Credit Management is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a credit card with Bank of America. I have had this card for quite some time and there are multiple balances with difference interest rates on this card. I thought if I made a monthly payment that is higher than my minimum payment due then that extra amount would be applied to the balance with highest interest rate first. But they are not doing this and I asked about it and was told that this is not how they distribute the extra amount that is paid over the minimum due. But I thought this was a regulation in the CARD Act. Am I misinterpreting the law?
Consumer complaint received 2016-06-14
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX one of my savings accounts had {$150.00} with no pending items. The one bill I pay from that account comes in about this time, so I transferred {$30.00} from another account In the morning of XX/XX/XXXX. In the afternoon, the {$170.00} payment was debited and Wells Fargo charged me {$35.00} as an overdraft. I have XXXX different accounts at the bank and never have opted in to overdraft on any of my savings accounts, that would make no sense. I called to have it refunded because this is a violation of Regulation E. The rep and her supervisor would not refund the full amount, claiming that savings accounts are not covered for overdrafts that are the result of an electronic payment. I 'm not an attorney, but I respectfully disagree with the bank. At any rate, the savings account could have automatically transferred funds from its linked checking account or any of my other XXXX cash accounts.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that XXXX. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX XXXX XXXX ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX XXXX and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX XXXX Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.
Consumer complaint received 2016-06-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Hi. I recently bought a cellphone and I keep getting this phonecalls from a company named Prestige about a debt on a Honda for someone named XXXX. I am not XXXX, I do not know anybody with that name and I do not own a Honda or any car at all! : ( This is what they say everey time they call : XXXX, we have made several attempts to contact you in order to secure payments on your Honda. I am not requesting money today however need a valid arrangement to prevent you loan from defaulting. Please call me back, XXXX. 
I am on the no call list for over XXXX months now. I keep telling them to remove me of the call list but they wont listen. 
I blocked the phones over and over again but they keep changing. Here are some of the numbers they have used. 
Please, help me! : ( they call every day! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Adjusters, LLC (CA)

On XXXX XXXX, 2016, I contacted National Credit Adjusters to clarify the phone calls I was receiving from a company called XXXX XXXX. At first the person who answered Identified herself as an operator but that she also was a debt collector. She had a very raspy voice. When I tried to explain myself she stated " did they call threatening to take you jail. that was n't XXXX that was someone else as XXXX would not do that. '' I explained that I just wanted to know if I really owed this debt and was entitled to documentation to support owing the Debt. At that point she told me I had XXXX accounts in her office that was being services by XXXX XXXX and XXXX XXXX. She told me that a XXXX debt from XXXX was still in their office but the person was gone for the day. I then told her that 's why I was asking for verification as the same debt I am currently in agreement with XXXX XXXX XXXX XXXX for payment. I also asked her to send my letters to verify my paid in full status of accounts I previously settled with National Credit Adjusters but never received. She became belligerent saying I was not being cooperative. I tried to explain that I was only trying to get to the bottom of who and I owe she stated " XXXX I do n't have to put up with your attitude I am ending this call '' and hung up in my face.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (IL)

XX/XX/XXXX My card was hacked and several TVs were bought. I reported the incident around XX/XX/XXXX. I had paid a {$1500.00} payment in to my card, and after the charges were reversed there was a credit balance of over {$1000.00}. I submitted a request for refund of balance and it said a check would be mailed. I never received the check. I called and the first person I talked to said that the new card should have been sent but wasnt and she saw where the refund request was made but the check was not sent. I called twice more with basically the same answer. I finally received the new card a few days ago, but no check. 

Here is email conversation : XX/XX/XXXX XXXX XXXX XXXX Dear XXXX : Thank you for contacting First National Bank.Our records indicate that these issues were addressed with a phone representative on XX/XX/XXXX.If you need further assistance, please contact us at XXXX.Sincerely, XXXX XXXX.Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX Hi , I spoke with someone last week about my new credit card that was coming because my other one was hacked. They told me to get ahold of someone if it had not arrived by today. Also, they said my refund check was being mailed out, and I have not recieved it yet either. 

Here is the last one : XXXX From : XXXX XXXX Sent : XX/XX/XXXX XXXX Ref No : XXXX Subject : Three attempts Concerning : XXXX Dear XXXX : Thank you for contacting First Bankcard. 

I see you have spoken with customer service in regards to this issue and this has been explained to you on XX/XX/XXXX. 

If you have more questions you will have to speak with our Fraud Department at XXXX. 

Sincerely, XXXX XXXX. 
Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX I have called three times and sent messages twice trying to get the refund that I had coming to me from FNB credit card. My credit was hacked and my account was shut down and I was to be issued a new card back on XX/XX/XXXX. Every time I called I was told it was going to be taken care of only to call next time and find out it wasnt. The credit to my account has been removed from online, but still no refund check. The refund was for over XXXX dollars. I will have to contact XXXX if it isnt fixed. 

The last phone call I made was on XX/XX/XXXX and was told that The check had not been issued and that it was being reviewed or something by the fraud department. However, they have since removed the credit balance from my account?? 

I just want my refund that the statement showed as a credit. The account # XXXX and I do not have access to that account anymore so I cant download the last statement.
Consumer complaint received 2016-06-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law (NY)

I was put into collection for XXXX medical bills and they are reporting on my credit reports which is affecting my credit score and affecting me in obtaining credit. I was on medicare at the time and I paid my {$140.00} out of pocket deductable. Everything else was paid by medicare. I sent a Cease and XXXX response back to the collection agency as under the 1977 Fair Debt collection Lractives this should have never been put in collection nor put on my credit reports. I am complaining because I do not owe these XXXX medical debts and how can they put me in twice for XXXX different medical bills when I was only responsible for the {$140.00}. I want this removed off my credit reports.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

I have medical insurance, XXXX XXXX XXXX XXXX XXXX Illinois, there is an unpaid amount of U {$1500.00} because the bill was never submitted to them. I already tried several times to call the XXXX XXXX XXXX XXXX TEXAS, but they do not take proper measurements to receive the bill from the Medical Insurance instead they sent the bill to a Collection Agency. I and the Insurance already gave the policy number and ID number so the bill can be paid.The Collection Agency was already notified too.
Consumer complaint received 2017-05-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I filed claim XXXX identifying the principal and interest amount used in my appeal for the denial of a home loan modification was incorrect. The response that Well Fargo provided still listed the incorrect information. I am attaching documents which will confirm my original complaint. Attached you will find : 1 ) Denial letter from Wells Fargo dated XXXX XXXX, 2017 ( 4 pages ) ; 2 ) Appeal request form dated XXXX XXXX, 2017 ( 1 page ) and related attachments, [ description of reason for appeal ; Net Present Value Input Data Values -- please note # 16 that describes the product as " Fixed-Rate '', which this is a " Pick-A-Payment '' loan, and # 22 which list the Principal and Interest amounts incorrectly ; and remaining pages are Mortgage statements that I have received from Wells Fargo that verifies that the amount of {$3900.00} does not include principal ]. As I have continued to state, and is verifiable by the statements that I have received from Wells Fargo, the  Principal and Interest amount at the time I filed for a Loan Modification was : {$5200.00} ( Principal amount : {$1000.00} ; Interest amount : {$3900.00} ) NOT {$3900.00}. This has been an ongoing issue for the past 5 months. Hopefully with the attached documents, Wells Fargo will be able to recalculate the NPV using the correct information.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

In  XXXX    XXXX  , while a checking counter at a  XXXX   Sam 's Club ( No.   XXXX  ), the cashier suggested that I might qualify for a store credit card with a 5 % cash back benefit. I mentioned that I was not interested in just a store card, rather I would be interested only if the card included other benefits including cash back on purchases. She assured me that was the case. I told her to go ahead and apply for the card for me. I gave her my personal information as well as my Club membership information. I was approved within minutes and I used the card immediately for the store purchases.     A few weeks later I received the card in the mail and kept on using it at the Store and nearby Wal-Mart. I noticed it was a store card and was only limited to the  XXXX  stores. After the first and second statement cycles, I also noticed there was n't any cashback credited to my account. On  XXXX   XXXX , I called the SYNCHRONY BANK, which owns the card. I explained my disappointment and inquired if there was an error or a kind of bait and switch.     I was shocked to learn that even though the store clerk explained that they were applying for me a card with cash back benefits, they automatically applied for a second card without benefits once the first application was declined. So when I was approved it was the second card from the same bank and not the one I had originally applied for. Worse, they never told me that was the case, rather they went on to apply for the card that I did not agree to nor consent to. The Bank representative said there is nothing they can do except file a complaint on my behalf. There seems to be no recourse with the Bank  or Sam 's Club.      This is highly irregular to open a customer account different from the one offered without giving the customer the opportunity to decline. It is possible the store card are less popular so they bait customers with cash back credit cards and then switch them when they do n't qualify to the more beneficial card for the customer.     I am afraid to cancel the card after using it the last two months, fearing it might impact my fragile  credit score.
Consumer complaint received 2017-05-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC (KY)

This company stated they have attempted to send my records to validate my debt and I have received nothing in relation to this collection. One Advantage LLC is a third party and having medical records is a violation to my HIPPA rights.   I am allowed under th e Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I do not give any provider permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore I request my release of HIPAA authorization.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I 've been trying to work with Wells Fargo Bank on a loan modification on my primary residence located at XXXX XXXX XXXX in XXXX CA. I want to keep the home so I 've been trying to get this modification approved since XX/XX/XXXX ( please see attached letter from my attorney for the complete timeline ) and I have a had to start the process multiple times to have Wells asking for more, and more information. XX/XX/XXXX I started the process again, they keep doing the same thing ( see attached letters dated XX/XX/XXXX and XX/XX/XXXX ) asking for more information then telling me I was declined, then asking me to reapply again. During this time, Well Fargo 's been reporting me past due on my XXXX credit reports, which is their Home Preservation Specialists is who told me to stop paying my mortgage so they could look at processing a loan modification. 
This problem with Wells Fargo Bank over the past four years is now affecting my credit, which is causing problems with my business XXXX XXXX XXXX XXXX XXXX in getting the credit request it needs to stay in business. Please consider this issues as soon as possible.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advantage Recovery Group, Inc (LA)

Last Year on   X/XX/2016  I  hired   XXXX   also known as  XXXX  to do marketing for me. In  XXXX , Florida  XXXX  They said I had to have a different website they could not do marketing on my website. They were going to refund my money. Then they informed me that they could build my website. On   X/XX/2016  I  paid them {$1000.00} with  XXXX  and   XXXX   XXXX  . They did not refund my {$230.00} they said they would build SEO into my website.
O n  X/XX/2016  the y finished the website. I paid the balance {$1000.00}. At first I looked at the website and I thought it looked good. Then I started working with the website and it was broken, they also told me I could change my website to any of the options of the Wordpress template. I could not. I could only have revolving photos that looked like video, and the thumbnail photos on the gallery pages if you click on them they would enlarge, however they would not go back to small you would have to click out of the website. I tried to change not and then they said I could not change it. When they made the website they talked to me all of the time and then after it was finished there was no customer service. They would not answer me. One person sold me the site another person  XXXX  made the site with me and then there was another person I was supposed to communicate with who never answered me. After trying for 2 months with incompetent customer service and a broken website. I said I am out of this website. The man I was talking to said he was sorry for all of the issues. I went bak to my old website. I then disputed all of the charges with   XXXX   XXXX   and  XXXX  ( they had  XXXX  ) So   XXXX    and   XXXX   XXXX   had to agree to refund my money. They refunded all of my money.
Last week I received letters from a collection agency : Advantage Recovery Grou p,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL.  XXXX  (  XXXX  )  XXXX . (   XXXX   )  XXXX    They said that it does not matter that my money was refunded from   XXXX   XXXX  , that means nothing and they will not call   XXXX   XXXX  . They said that is the same as calling the police. ( If something happens I call the police not in this instance ) .  XXXX   XXXX   the man at Advantage Recovery Group said my dispute is the same as not paying. They will tell the credit bureaus and it will be on my credit report if I do not pay for the scam website. {$2000.00}. For that amount of money I should have great customer service and a website that worked. They are sending me the contract that I signed, plus other communication with   XXXX   the website and the customer service should be good and it was horrible.
Consumer complaint received 2017-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORG GC GP BUYER, LLC (AZ)

I receive cold calls from debt collections needing for me to pay for a loan im unaware of what it is and they will not give me any other information as to who is needing the money. I informed them I only have to  XXXX  types of loans and that is a federal and a private. They explain the loan that I have is neither regarding my educational loan and unbeknownst to me is absurd. Now my wages are being garnished by a collection agency who can sent a doc in regards to the loan terms in which I had explain I received when I was attending  XXXX  College. It is currently being handled by  XXXX . I constantly monitor all my loan payments one which is through  XXXX  and the other is through the FED. It is a scam how I cant see who the creditor and the requesting entity needing their payment. I need help asap
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple unauthorized inquiries from   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX , and  XXXX   XXXX   XXXX   XXXX   XXXX ,    2016 to   XXXX   XXXX ,  2016 listed  on my Transition credit report. Contacted Transunion and they said they ca n't remove them. I do not recall giving consent to have my credit pulled.