davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eltman Law, P.C. (PA)

In XX/XX/XXXX, my bank account was placed on a hold and showed a XXXX balance. After contacting the bank and getting more info, a collection agency who I guess is a law firm stated I had to enter into a payment agreement in order for my bank account to be released. I entered into an agreement and have been paying ever since. I received a letter dated XX/XX/XXXX from the law firm stating I need to make a payment. I went online to make the payment and it failed. I called the lawfirm and they stated they are closing and sent the account back to the original collection agency. I called the collection agency, they then sold it to another agency. I have been paying since end of XX/XX/XXXX on this account and now the I have no paper work stating the changes that have taken place and I have no idea what happens with all the money I have already paid. I still have not received anything on paper showing any of these changes. What should I do now?
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service (NV)

I owed all together about XXXX $ in medical debt ( about 4 accounts all together ) one account in paticular ( the only one im complaining about ) they served me paperwork stating i owed XXXX $ i called debt collector CLARK COUNTY COLLECTION SERVICES ( XXXX ) who told me i ACTUALLY owed XXXX ( In a very ''matter of fact '' voice ) and informed them that i would pay it before the court date. I paid the debt in full on XX/XX/XXXX ( XXXX ) and thought it was done and over with and i emailed the ATTY that was retained for the case and he confrimed the account was paid in full ( i can provide documentation for all ) ( i do not recall the date of service however but i have the ppwk at home ) The collection agency is now calling me after all accounts were paid stating i owe an additional XXXX $ ( the cost to serve me ) however the XXXX i was told by XXXX ( allegedly all calls are recorded ) included interest as well as legal fees and that is why the cost was so much ( i was rather confused why they would seek a judgment for XXXX $ if they stated i owed XXXX. I am very frustrated and feel that i am being wronged and that they have no problem making up charges as they go so i am going to speculate this is common practice for them. It is now XX/XX/XXXX and i am still dealing with this. I am no lawyer but commons sense tells me its probably somehow ILLEGAL to just make up charges- This is definately deliberate and not an accounting error otherwise i would not still be getting calls everyday to pay the XXXX $ which is a slap in the face to me after all of this. Not to mention after it was all paid i NEVER was sent a letter stating i owed any other additional funds before i started getting calls over and over agian. I will not be paying this XXXX . It is riduculous that the burden of proof is on me the consumer to dispute these debts when they can just make up charges as they go. Something is seriosly wrong here.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX I shopped at a jewelry store in XXXX ( XXXX XXXX XXXX XXXX )  and purchased a pair of earrings using my XXXX XXXXXXXX Bank of America credit card. I was was told by the shop owners the stones were zultanite. When I returned home I took the earring to be appraised to XXXX XXXX XXXXXXXX store and was informed they were not actual stones. 

After several attempts to reach the XXXX XXXX and get resolution ; which did not occur - I proceeded to file a claim with B of A on the {$620.00} charge within the time frame allowed. In XXXX B of A send me a letter with what I needed to do ( see attached dated XX/XX/XXXX ). I complied will all the documents required per the letter ( see attached my letter, XXXX XXXX letter and copy of receipt ). 

on XX/XX/XXXX B of A sent a letter to me stating my dispute was not valid for the following reasons ; " we didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''. I contacted B of A fraud department and spoke to XXXX in Tennessee ; where I was told " you did not send an itemized receipt '' no where in their letter requiring documentation did it ask for a receipt and I included the merchant XXXX slip along with photos of the earrings. I was told I needed a detailed invoice showing exactly what was purchased ; when I asked where this is listed in original letter I was not provided a response, just canned we needed detailed receipt. I requested to speak to supervisor and they stated would call me back. After waiting 10-days with no call I contacted fraud department again this time being connected to Utah and spoke to XXXX. She reviewed my documents, stated she would re-open the file as appeared everything requested was received. 

After 14 days I received the letter dated XX/XX/XXXX which again denied my claim based on the same canned verbiage " we didn't receive documentation stating what you were suppose to receive and how it was different from what you received ''. 

One of the reasons I utilize the B of A card when traveling is to have added protection for issues such as this fraud claim. I have been a loyal B of A customer for over 20 years, never filed a fraud claim and it appears they contract with 3rd party entity to prevent paying out claims.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Last month, XXXX XXXXXXXX XXXX XXXX reported : " ... Citigroup announced that it would issue refunds to some 1.75 million credit cardholders who had been charged interest rates that were too high. '' It was also reported that, " Citi said it had erred in how it calculated to reduce penalty rates for customers after they had demonstrated a track record of six months worth of on-time payments. This is mandated by the CARD Act, a piece of legislation introduced almost a decade ago aimed at protecting bank customers. '' Also reported, " 'While we believed our methodology was sound, a periodic internal review identified potential flaws in the methodology, ' a Citi spokeswoman said in a statement. 'We informed our regulators, revised our methodology going forward and conducted a comprehensive review of our process '. She added that the bank found no evidence of employee misconduct but that it 'should have identified these issues sooner. ' '' Ive been a Citi Diamond Preferred Card holder since XXXX. Ive NEVER missed a payment, usually pay more than the minimum due, and have a credit rating above 750. My interest rate : 29.99 %. ( I was told that my introductory interest rate had been increased years prior because I had made a cash advance.  ) I have REQUESTED and received interest rate reductions twice since XXXX. When I requested the reduction last year, I was told I would receive it for six months after which Id have to wait six months to request the reduction again.

I believe that CITI has a stated policy that the customer could receive a lower rate for six months, after which the customer has to wait six months to again request a lower rate. This is a bit different from what the Citi spokeswoman said in the newspaper article.
Consumer complaint received 2018-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I had an account with USAA about 6 years ago, there was a deposit made by the XXXX XX/XX/2018 to that closed account. I called to recieve funds from the closed account, and USAA decided to mail the check to an address i no longer reside. When i asked USAA to stop payment on the check they told me i have to wait 90 days from today XX/XX/2018 in order for them to stop payment, then they would send the new check to my current address. I asked to speak to a representative, and i was told i wouldnt hear anything back until a couple days.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Management Services, Inc. (KS)

RECEIVED COURT SUMMONS FROM XXXX XXXX XXXX REGARDING ALLEGED DEBT, NOT VERIFIED FROM XXXX XXXX XXXX, SUMMONS LETTER WAS SENT TO PLACE WE HAVE NOT LIVED AT FOR OVER 3 YEARS NOT TO XXXX XXXX WHERE WE RECEIVE MAIL
Consumer complaint received 2018-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Because of CFPB very primitive questionnaire of bank services and because of illegal closing of my previous complaint about Citibank wrong doing by way of " push the envelope '' instead of really providing only announced " A central part of the Caps mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. '' I repeat stating following defects in XXXX XXXX management in my letter to XXXX from Citi Executive Response Unit I received your response to CFPB on my complaint against Citi customer policy from 2018. I reject your statements about " our goal is to provide all of your clients with the highest level of service '', and " we have recently implemented enhancements to Citibank Online to aid our clients in conducting their online banking '' as fraudulent and humiliate. I request to return all forms of clients Citi service to any which were provided before your enhancements. 
As I stated to CFPB and Federal Reserve Consumer Help office : Current service defects are expressed in 1 ) forbidding to customer to connect with Bank in documented email message form ( such form existed till 2018 ) and insisting only on connection with irresponsible forms of chat and phone ; 2 ) bad imagination of new " enhanced '' customer account image with using signs instead of understandable words and many other defects ; 3 ) permanent different transactions information in customers account at home and in bank office of same customer account on same day and time ; 4 ) taking part in usual and factual criminal seller/bank practice of refund delaying for many days. For example, refund of {$38.00} was delayed by Target for 20 days without any help from bank to reduce and stop such action which is usual criminal policy of seller and banks together.

Generally speaking : Citi provides new fraudulently " enhanced '' service policy with goal to restrict customers civil rights on getting whole financial information. Please, compel Citi to exclude in its dealing with customer all defects mentioned above.

This message directed to Citi leaders. 
In consideration of this complaint I request to stop CFPB usual manner of " pushing the envelopes '' and to execute the enforcement and regulation requirements of 12USC Chapter 1,2,3,21,36,41,48, 12CFR Chapter X Part 1011.4, 1074,1080 and other known to CFPB financial laws and rules with goal to compel Citi to reject all mentioned above defects of mass violation bank customers financial rights without any attempt to close such complaint without strong investigation, regulation and fixing wrong Citi service policy as requested by CFPB laws and rules.

Because of CFPB additional questions about amount of customer, their names, address and so on, I stated the camplaint is conserning me and all others customers in Citi.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A. (MN)

I am currently a resident of the State of XXXX .. I arrived in XX/XX/XXXX in the State of XXXX where I entered from my country XXXX XXXX for the year XX/XX/XXXX. I decided to move to be close to my older children and their family. But to help him with his family .. I was going to join the United States XXXX from there we decided to stay since XX/XX/XXXX in XXXX. Approximately two years ago I started receiving collections from the Messerli & Kramer PA Collection on a debt with XXXX XXXX XXXX. I did not know what it was and decided to call him. To my surprise a large amount that I did not borrow from that Bank. If I informed them that it was my Bank when I lived in XXXX and that was where I received my direct deposit where I worked in XXXX. I think that I failed to close that account because the time passed and they started on money orders for account maintenance. months until they found me. And I did not know about that .. So I tried to express it and it was traumatic threatening their communication .. I had never lived something so even my little children panicked we lived in the process of adapting to a change ... that arrives XX/XX/XXXX I do not have life of threatening letters and in a difficult situation .. Arriving at a new place starting from Zero and you are person that with his Threat I got totally out of control .. I decide two years ago to make a payment plan without economic power as required Obligated accept your terms offered me to be the impossible to try to cover that debt .. But I can not continue many expenses and an economic inetainability muer you a relative in country. And among others like the current condition of my daughter that stopped me from continuing to work continuously. To try to free myself from those people. My interest was never negative when it was not my intention caused to fall into that Debt. I've been with these people for some time threatening through letters I can not anymore. I am not working they are asking for federal state x 3 years which I can supply. Where the little that the State worked last year I remove it for payment of medical bills that I could not pay .. I do not understand its way of understanding before my situation. I have been doing this for a long time and that is why I appeal to you. Let 's  see how they help. Thank you.
Consumer complaint received 2018-02-28
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: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : SANTANDER BANK NA XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX-XXXX
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have previously disputed with the credit reporting agencies and also filed previous compliants in refrence to XXXX XXXX XXXX and the alleged alligations that was being reported on my credit profile. The credit reporting agencies stated that they had verified the account and to contact the data provider in refrence to the alleged alligations to aquire physical proof. I have made several attempts to contact XXXX XXXX XXXX AND THEY HAVE FAILED to respond to my letter ( section 609 ). Im submitting physical proof of my attempts and also successful delivary of my letter to the data provider, per section 609 states if the creditor failed to validate the debt within 30 days it must be deleted. My letter sent was CLEAR as to what I was requesting. To provide me with physical proof to the alleged alligations being reported or DELETE IMMEDIATELY.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously disputed with the credit reporting agencies and also filed previous compliants in refrence to XXXX XXXX XXXX and the alleged alligations that was being reported on my credit profile. The credit reporting agencies stated that they had verified the account and to contact the data provider in refrence to the alleged alligations to aquire physical proof. I have made several attempts to contact XXXX XXXX XXXX AND THEY HAVE FAILED to respond to my letter ( section 609 ). Im submitting physical proof of my attempts and also successful delivary of my letter to the data provider, per section 609 states if the creditor failed to validate the debt within 30 days it must be deleted. My letter sent was CLEAR as to what I was requesting. To provide me with physical proof to the alleged alligations being reported or DELETE IMMEDIATELY.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I purchased a dishwasher from Home Depot recently, within 2 months, and I have had issues with the way it was installed and some of the sound proofing flowed out of the machine after I found the door cracked due to the installation of the dishwasher. The installers apparently removed a small piece of molding that ran beside the dishwasher and it got caught in the door. When I ran the dishwasher, when I returned home there was water all over my flooring. The molding is now discolored. I have tried to contact the store and at first could not get anyone to even answer the phone in the appliance department. I finally spoke to the store manager and an assistant named XXXX. They promised someone would contact me, which has not happened. I purchased the dishwasher due to a leak and now my new dishwasher leaked on my hard wood floors and is now damaged.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems (GA)

XXXX and XXXX and XXXX are reporting an account on my credit file that is not mine. I have never applied for any loans or any sort with this company. And due to this has caused my credit score to decrease and show negativity on my credit report. I know nothing about this company. However I have XXXX the company since learning of it being on my credit report and they are on a scam list. 
I have never ever applied for anything with them and would like to know how my information was provided to them to create such a scam. The company name is MIDWEST RECOVERY SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This company is representing for another scam company :XXXX XXXX /XXXX I obtained all the above information from my XXXX credit report. 

The company claims that I owe {$1100.00} I OWE THEM NOTHING!!!!!! CAUSE I HAVE NEVER EVER APPLIED FOR FOR ANYTHING WITH THIS COMPANY. 
I AM PRAYING FOR RELIEF FROM THIS SCAM. 
Along with this I am also seeking legal help has well.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am submitting additional evidence for a current complaint that is under investigation. XXXX. As stated before on XX/XX/XXXX my Equifax svore dropped XXXX  points. As a result of them removing my XXXX XXXX XXXX account from my credit report. This was done without my request or authorization. Since then I've been checking my credit more often. And to my dismay, Equifax has continued to re submit the same false statement on my report. They've adjusted the dates. I checked my XXXX  report. For reference as to what my actual report should look like. And their information is correct. Equifax has blamed XXXX XXXX for the false statements on my report. The fact that, i can check my transunion on XXXX XXXX and their information is accurate. Shows that the fault is clearly with equifax.
Consumer complaint received 2018-02-28
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: EQUIFAX, INC. (WA)

XXXX, XXXX and Equifax are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

On XX/XX/XXXX, while I was in a natural disaster forbearance period with US Bank Mortgage, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called US Bank once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. US Bank finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but XXXX refused based upon the existing letter. I spoke to several representatives from both XXXX and US Bank to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.