davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: California Business Bureau, Inc. (CA)

I was served a law suit for a medical bill. My wife and I found money to use to settle this bill we had allowed to go delinquent. My wife called into the agency to attempt to settle the dept. The company took her payment information and told her that they would withdraw the lawsuit. I later called in to request verification in writing that if we paid the debt with them the lawsuit would be removed. The agent, XXXX XXXX, proceeded to become rude and question why i would allow my wife to proceed if i disagreed. I then told him i was uncomfortable with the deal multiple times and he kept interrupting and repeating what i was saying. He then offered to cancel the payment and allow us to start over. When I said I wanted that option he became ever ruder and combative. I told him all i wanted was to settle the debt and i was not comfortable. We then ended the call with him cancelling the payment. 

I then immediately called back to speak with a manager XXXX XXXX. I informed him of what happened and he did not care at all. He did treat me better, but then he also informed me that they would not have withdrawn the lawsuit and that we had to pay the debt in full. I told him I wanted to know if i could settle with a lump sum payment and he said i could call back and work it out with XXXX XXXX. I told him I did not want to work with XXXX and that i was not comfortable. He proceeded to tell me i had to work with him and that he was the only person on my account. Not until I told him I would be filing a CFPB complaint did he let me know i could settle and that I could call back and speak with him. 

Their practice was deceptive, inappropriate, and unprofessional. I called in to pay my dept and take care of things and they treated me with disrespect. This company also mislead my wife and XXXX strong armed her into a payment arrangement we could have never met. This was a clear care of bully mentality and this feels business as usual. 

As a person who works for a debt collection company I know how important it is to have a willing paying consumer ... this was inexcusable.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, XXXX  : # XXXX has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On  XXXX / XXXX / 17  I activated the mobile application "  XXXX  '' on my cellphone, in order to use this app it requires information from my Bank Of America checking account to be released. It is now  XXXX / XXXX / 17  and Bank of America has not cooperated with my request to release the information to "  XXXX  ''.
Consumer complaint received 2017-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I opened a Victoria 's Secret account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote Victoria 's Secret a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired XXXX to harass me relentlessly by calling. I made a mistake of writing a check to XXXX ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX
Consumer complaint received 2016-06-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (OK)

In XXXX of XXXX, I purchased a Mercedes XXXX with a consumer loan from Mercedes Benz Financial. The loan was paid off with 2 years. I recently went to trade in the Mercedes on another vehicle only to discover the title I had still had the lien on it. I contacted MB Financial and asked them to send me another copy of it. They refused to do so without a letter and a {$20.00} fee because of " the amount of time that had lapsed since that account had closed. '' I was informed that a copy had already been sent to me. However, I provided documentation that not only did I not receive a copy, the Oklahoma Tax Commission had not received a copy. I had a printed letter from the OTC dated XXXX XXXX that the lien was still in place. I informed them that the Tax Commission required that lien releases be filed within 7 days or the company or be subject to fines. I was told it did n't matter and that I would still be required to pay the {$20.00} and request in writing the release. All of this delayed an already consummated business transaction to trade the vehicle.
Consumer complaint received 2017-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

XXXX XXXX, XXXX I was trading on XXXX ( XXXX ), a regulated US based crypto currency exchange platform. I was margin trading Ethereum/USD at the moment. Then there 's a huge price slippage happened and bring the price all the way down from $ 310+ to {$.00} in a matter of seconds, this slippage caused hundreds of margin order liquidations and sold my total ether holding as well as my wife 's on the exchange ( around 2100 total eth ) at {$.00} dollar per ether. The price then recovered right back to where it were $ 300+ quickly. I suspected that this is a huge market manipulation as well as some major technical issues on XXXX 's end. Other crypto exchanges did not experience this price crash during the time. Additionally, during the time the price was crashing, majority XXXX users were unable to login including me, in order to minimize our losses. Currently based on their XXXX feed, their VP claimed that their trading engine was working properly and no wrong doing. This is not acceptable and hundreds of ( if not thousands of ) users were affected. XXXX XXXX XXXX statement : XXXX : XXXX Offical XXXX forum affected users posts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Hello, I am reporting an issue I had with Bank of America due to their negligent check clearing practices and their arrogant and unresponsive behavior. My predicament dates from XXXX, so, I am not sure if there is something that can be done about it now. 

In XXXX XXXX, I was a victim of check fraud with my account at Bank of America. A fake company offered me a part time job to act as their donations distributor and asked me to disperse funds after the check that they would send over has cleared. Being naive and a student at that time, I fell in their trap and deposited their check upon receipt at my Bank of America Account. Being a little skeptical, I specifically asked BOA to let me know when the check clears so that I can assure myself and all they said was that the funds will be available after 3 days. 

I waited for 15 days to see if the check has cleared. After 15 days, when I did n't hear anything from the bank, I sent the money to the fraudsters somewhere in XXXX. 

However, bank of America came back to me after 45 days and informed me that the check I deposited has bounced. I tried to plead with them and explain them the situation and they did nothing to help me. Their collections department acted arrogant and did n't care to call me back or talk to me despite numerous attempts to reach out to them. They then reported my account to a third party collections agency and had me reported on XXXX because of which, I could n't open a new bank account for XXXXXXXX years. 

They made me go through unnecessary pain and their collections department didnt even respond to my calls or was willing to work with me. As a result of their check clearing practices and unresponsive behavior, I ended up losing XXXX dollars since they forced me to pay this amount back to them from my own personal pocket. 

Even though its quite late, I would appreciate if something could be done about this so that other innocent folks do n't go through the same pain that I went through. 

Thanks XXXX
Consumer complaint received 2016-06-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (CA)

Financed a XXXX laptop at speedy cash on XXXX/XXXX/2016 and the computer had a virus on it right out of the box ... it encrypted my files and locked them so I could n't use them and asking {$500.00} to give them back to me. {$1000.00} if I wait a week to pay. The box was checked that said " allow this computer to be controlled remotely. It appears it was created XXXX/XXXX/2016 but the dates are hard to know if they are right on a virus. 
I told speedy cash and they said that they could n't replace the laptop and I needed to call the manufacturer. I called the MF and they told me it was speedy cash who needed to replace the computer. 
I lost important files forever and these were my internet marketing files that I use for work which Ive accumulated over a year and a half and my ability to work has been severly obstructed. I do n't know how to put a value on what my files are worth or if I can legally do anything about this ...? I know I did n't download anything or open anything to get the virus ... it was the second time I had turned it on.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX, 2017 I was charged {$2600.00} from XXXX XXXX XXXX.
<P/>
This purchase was made by my business partner. I did not authorize this transaction.
<P/>
I contacted the company to explain them that this order needed to be canceled. They refused to cancel the order Because they said it had already shipped. I then contacted my bank Chase and disputed the charge with them.
<P/>
Just to note, no item was ever shipped.
<P/>
Chase provided my account with a temporary credit immediately upon issuance of the dispute.
<P/>
A couple months later I noticed there was a claims reversal. After noticing that I contacted Chase claims department and inquired about why my claim was reversed. They explained to me that my dispute was entered as a fraud claim stating that I Did not authorize, nor was I aware of the charge.
<P/>
Which is incorrect because I was aware of the charge but I just did not authorize it as I stated my business partner used my card without my authorization.
<P/>
Now being about two days what months after the original charge. I now asked the Chase dispute representative how could I possibly be charged if they never even sent me the item.
<P/>
The representative told me he would re-issue the claim as items never received or shipped. Just today I noticed a claims reversal again of the {$2600.00}. So I contacted chase claims department and was told my claim was denied because the original claim was put in wrong. And that the second claim never held any substance being they went off of the documentation of the first claim. I asked if the merchant was required to prove that they sent it to me knowing nothing was ever sent. The representative respond that they did not have to provide that documentation.
<P/>
I am extremely disappointed with this process and left wondering how could I possibly have been charged over {$2000.00} for item I never received it was never shipped. I asked Chase to put in a dispute again and they told me it was past the deadline to issue another dispute. I told the representative all they had to do was request the merchant or company to prove it was sent via tracking for signature of receiving the item.
<P/>
I hope there is a way to dispute this moving forward. If there is any advice or help you can offer To resolve this matter. I would greatly appreciate it. Thank you.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

It had taken me more than 20 letters and over 30 phone calls for this dispute of {$3700.00} with Chase. Merchant had a return policy of a full refund, and the return receipt stated as full refund, but the merchant only refunded me partially, so that there are still {$3700.00} was not refunded by the merchant. <P/>I had opened this dispute within 60 days of the bank required dispute window, and had provided all the necessary documents and had talked over 4 supervisors ; however, the personal who worked on this case kept confused with some facts : gift card is not USD dollar to dollar, some same amount before the return was not part of the return ... <P/>I kept telling Chase that {$3700.00} on my credit card on XXXX XXXX XXXX was not part of the refund to the return of the earring On XXXX XXXX XXXX. After discussion with XXXX, an account supervisor in dispute department, the dispute department had acknowledged that a mistake had been made to think this {$3700.00} on my credit card on XXXX XXXX XXXX as part of the refund I could not get a return refund without returning it later, right? This is another proof that this {$3700.00} was not part of the refund, so that XXXX XXXX still owes me {$3700.00} for a full refund indicated on its return receipt, provided. <P/>Since this dispute was submitted on time and all the proof/documents have been provided, it depends on Chase to fix up its mistake and chase my not-refunded money back to finish its fiduciary duty to a long term client. <P/>It is really a simple case : Under the federal law and the merchant 's return policy, I shall get a check of {$27000.00}, however, the merchant refunded back to my credit card of {$24000.00} only. Chase told me that they would n't enforce law on the merchant, but I had called no less than 30 times and wrote via Secure Message Center no less than 20 times to indicate that I want to continue dispute this case. And the Supervisor XXXX had kept this case open within 24 hours. Since then, this dispute had been dragged on for half a year. It 's time to chase the remaining portion back, {$3700.00}. <P/>Thanks.
Consumer complaint received 2016-06-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CT)

I am currently in a loan with Santander Consumer USA. My loan interest rate is 19.75 % I have had the loan for over XXXX years the loan started out at {$14000.00} and since then it has only gone down to {$12000.00}. I have recently seen a news article about usury loans against Santander consumer. There was also a point in time where for XXXX months where they lowered my monthly payment and did n't tell me it would only go towards my interest.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TENET HEALTHCARE CORPORATION (TX)

I noticed that I had an item on my credit report that I was not familiar with and I had no knowledge of indebtedness to either organization. At that time I constructed a communication and sent it to Syndicated office systems also known as Central Financial controlling via Certified mail return receipt, received a validation of debt request on or around XXXX. Once the dispute was received by Central Finl Control the item was removed and then they same company that operates under two names placed the item back on my credit report under their other name ( documents are attached ). 

As you can see under the header of results of your investigation- continued, you can see that item from central finance Controlling account/XXXX was not found as it was removed. At the time I disputed the item it was still on my credit report. Once it was disputed, the company deleted the item and then added it back under their other company name. 
I have no knowledge or record of the account listed. Please advise me as to the name and addresses of the medical providers, the date and type of medical service and to whom the servicers were provided, as any accounts I might have had may be obsolete. If you can obtain this information, I would also need the name of the person providing the data and the manner in which it was provided so I may pursue additional legal remedies. The entries from my credit file are attached to this complaint. 

Third-Party Disclosure Improper Disclosure of PHI to third. Most businesses have Business Associates and Business Associate Subcontractors. These third party entities are responsible for protecting PHI and, with the Common Agency Provision in the HIPAA Omnibus Ruling ; you are now responsible for your Business Associates ' HIPAA Compliance. I would like to see their Compliance Plans. If they do n't have a Business Associate Agreement in place before you disclose information, you have a Breach on your hands. 

A Debt Collector Must Send Written Notice of Debts As I mentioned earlier, as part of the debt collection process, you must receive a statement outlining the specifics of your debt in collections. Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money.- Nothing was received when the 3rd party debt collector decided to just move the debt to their other name for their business so I was again not aware of any level of indebtedness.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (VA)

My problem is with Stellar Recovery,  XXXX , MT In th  e last year, I disputed and had removed, an old collection account they had inserted in my credit report with  XXXX  of the  XXXX  credit reporting agencies.
In the last 30 days, the item that had preciously been delete  d suddenly was re-inserted again and showed up in my   XXXX   and   XXXX   credit reports.     I did not receive any notification of this action or a chance to dispute said item.   I immediately initiated a dispute with both reporting agencies.     It is my understanding that re-insertion of an already deleted item is counter to the existing consumer laws and that at least, they must removed it immediately, and at   best, I may be entitled to compensation for the breach.
I would like to register a formal complain against Stellar Recovery for their recent a  ctions
Consumer complaint received 2016-04-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (UT)

On XXXX/XXXX/2016 my husband was contacted about recieving a loan. 
The person that he spoke with said that he was with XXXX XXXX XXXX. Then the guy called my husband and asked for security information because he could not recieve verify that the account was our joint account. After recieving the information he had wired XXXX checks into our joint account. US Bank sent email verifiong that the wire had been there. The next day my husband was told to send ther money back to them. That way they could put more money back into the account. My usband went to XXXX XXXX and did the transfer using his debit card. Fraud dept. called my husband and told him that he had just been scammed. when my husband tried to get the transfer stopped. Money gram said that it had already been recieved and that tey could not do anything. Us Bank XXXX chose to put a hard freeze on our joint account as well as my personal account that my daughters XXXX gets deposited. As of today both accounts are closed. I do n't feel that they have the right to hold the money that XXXX had deposited into my personal account. 
I have not been able to pay her bills or pay for her meds. I was told that a certfied check would be cut and sent to me for the diferrence last week. I have not seen anything as far as check. They have closed this account. Again I do not believe that the have the right to old those funds. I have also reported the fraud case to the police. I have added my police case number with my attachments.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

I completed and submitted a loan modification package to Ocwen on XXXX XXXX, XXXX. On a follow-up call on XXXX XXXX, I was informed that the XXXX tax return that I submitted was not signed on page XXXX. I less than 1 hour, I sent a signed page XXXX in a pdf document via email, as I was specifically instructed to do. I also followed up to make sure that the document was received. I was told that the review would only take a few days, and would be complete well in advance of the schedule foreclosure sale on XXXX XXXX. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told each time that the modification package was complete and being reviewed by underwriting ( and that I should have an answer in a few days ). I called again on XX/XX/XXXX and was told that underwriting was still waiting on the signed document - obviously meaning that it was not under review. After some research, the representative acknowledged that I HAD sent the document in question, and that underwriting did not understand why I had only sent page XXXX. He said that he would contact underwriting and explain the problem. I asked about whether or not the sale on XXXX XXXX would be postponed, and he said that it could not. I asked what would happen if the review was not complete, and he said " that would be a problem ''. I contacted the department of the Ombudsman on XX/XX/XXXX and spoke to a rep named XX/XX/XXXX. She indicated that underwriting STILL believed that they did not have a complete package, but that she would investigate and get back to me in a couple of days. No one can give me accurate information! 
This process has been on-going for more than 6 months. Ocwen reps seem unwilling or unable to answer basic questions or explain correctly how the process works. I get contradictory, and many times completely inaccurate information. Aside from the moral obligation, it is my understanding that Ocwen has a settlement in which they agreed to specific actions and procedures that they have not followed.