davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (AZ)

I went into my local chase bank in XXXX, AZ to speak about getting a credit card which would be tied directly to my checking account since the bank is charging me XXXX each time they pay for a charge I make if funds are not available. Each month for over a year, I have been charged at least XXXX to XXXX overdraft charges which adds up to over XXXX a month. We applied for the card and it was denied. They said I had poor credit and refused to give me a credit card or account up to XXXX that could cover any charges I might incur. I think this is discriminatory and unfair banking practices since I applied for a loan online with liberty bank and received an automatic loan for XXXX. Immediately! Yet my own bank which makes XXXX of dollars per year off of my checking acct refuses to give me a credit card limit up to XXXX to cover overdraft fees. I have been paying the fees yet they said my credit is poor.To me this is ridiculous practice. It does not make sense for me as a consumer to continue to pay the bank these outrageous fees on my acct and not be given any credit with the bank. They also say they have the right to determine which charges they will cover so I have had a cup of coffee of XXXX paid with their XXXX fee and yet a car payment of XXXX was refused. To me, this is also discriminatory. Why would they not pay a person 's car payment which is necessary for the persons work and go ahead and pay for the cup of coffee? To me it is all about how much money they can make off of my account. 
I have explained this to the bank manager, I have called their XXXX number to discuss the over use of their of the XXXX fee and their discriminatory practice, yet they refused to deal with a simple solution because " I have poor credit. '' Yet they continue to rob my bank account with XXXX a month payments and their whim. Please investigate this policy and determine if there is anything I can do. I am just a middle class citizen who works long hours and am trying to survive.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME
Consumer complaint received 2016-03-01
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (FL)

because I have no bank account, I purchased an American express gift card to pay some bills with. I was not able to use my balance of {$320.00} on any of my bills, XXXX I contacted the gift card service center in XXXX on XXXX separate occasions, and spoke with XXXX separate floor supervisors and was repeatedly told that there was nothing wrong with my card. I repeatedly tried to use it online, on phone, and directly speaking with my creditors with no success. XXXX floor supervisor, XXXX XXXX XXXX, at XXXX customer service advised that it is not meant to be used to pay bills. I told them it should be able to be used just like a credit card for any reason. After not being able to get customer service to help me in any way I asked fpr a refund and was told that it would take 20 business days for a refund. It sure seems like a scam to me. I spent good cash money and now am out {$320.00} for at least a month. This is not a responsible business practice, and not fair to the individual. Please help me to resolve this absurd practice. I never have similar problems with other major gift cards XXXX. I just want to be fairly treated, and hope you can help me, and others like me. 
Thank you,
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Financial Credit Service, Inc. (PA)

I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( assest recovery services ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to XXXX bank in my previous name that I have not held in 15 years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had 7 years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away. They have continued to contact me via mail after I asked them in writing to no longer contact me.
Consumer complaint received 2015-08-31
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

Paypal limited my account and withheld my funds with no explanation. I have called them and written to them. In the phone call, they did not provide any solution. They replied to the first email stating that it 's for " security reasons '' without informing me what kind of " security reasons '' those were. Second email went unanswered. 
I previously received two emails 1 month and 2 months ago respectively informing me the uses / limits of their paypal MyCash product, which I promptly complied.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding purchased this loan from XXXX XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. Midland Funding has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Consumer complaint received 2015-07-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc. (FL)

I was taken to the hospital via ambulance after being involved in a car accident. I was on XXXX VA XXXX from a follow up of a surgery, when I was in a car that was struck by a speeder on the side of the car where I was sitting. The impact XXXX I had at the VA hospital. I was taken directly to the emergency room, my mother was with me and told the doctor I am a veteran, I also had on the wristband from the VA hospital because I was on my way home before being in the accident. I never made it home, obviously. 
So months after the accident I received a call from a collection company about this bill. I told them they must have been mistaken because I was a passenger in the vehicle, and the insurance was supposed to pay the entire amount of the bill, I did not have a car at that time and did not, have auto insurance, nor did I have health insurance because I was not working so I was covered under the veteran medical coverage due to my low income. Normally if a veteran enters a civilian hospital with no insurance the civilian hospital is required to contact the nearest veteran hospital within XXXX hours from time of arrival to either make arrangements to have the veteran transported to the nearest VA facility or to inform the VA that they have XXXX of their patients so they can share the medical records and billing. This was not done when I was a patient at the hospital, in fact the hospital did not even send me a bill after the insurance paid them. It was months later ( at least 6 months ) that I got a call from the collection company. The following is a link from the Dept. of Veterans Affairs website " XXXX 2001, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. ''
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

I had sold my residence and had all of my utilities including my XXXX accounts switched over to my new home located in the same town or zip code. The XXXX accounts included my land line, wire less and fax line. My XXXX account was uninterrupted and I transitioned into my new residence without any problems with the same numbers. Any monthly balances outstanding were simply added to my monthly bills and paid accordingly. While at my new residence, I received a call from Midland Collection Management, LLC " MCM '' stating they represented XXXX and that I was in collections for XXXX bill that was outstanding. I explained that I had just moved and I thought everything was fine with all services brought to my new residence. This was the first time I had heard of any amounts owed and it was from a collection agency ( not XXXX ). I had more than XXXX wireless, landlines and fax lines moved to my new residence and everything was current to the best of my knowledge without any outstanding balances owed. No service was interrupted at any time. The collection agency insisted this was for a line that was dropped and not moved or placed on my new billing information. However, the representative from MCM said if I was willing to pay this bill over the phone, they would remove it from my credit report due to the confusion. I apologized and gave them my payment information over the phone and it was processed immediately. The representative thanked me for the payment, gave me a confirmation number and reassured it would be taken off my credit report. The bill was paid immediately when I received the phone call and it was paid in full more than XXXX years ago. However, I was recently notified by the government that I may personal information may have been compromised and I reviewed credit reports from XXXX XXXX and XXXX. Upon review, I noticed that XXXX XXXX reflected the MCM collections account on my credit report as a closed collection account with a " XXXX '' balance owed. XXXX had the MCM collections account listed as an outstanding collections account, with " XXXX '' balance owed. This incident has damaged my credit score after making full restitution and it is still listed as outstanding. The representative informed me that this would be removed from my credit report upon payment due to the confusion caused by the recent move.
Consumer complaint received 2015-05-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank has repeatedly reported that my auto loan has been included in ch XXXX bankruptcy. This loan has never been included in bankruptcy nor am I in bankruptcy. They issued a letter XX/XX/XXXX correcting the information reported on my credit report stating it was current and never in bankruptcy. On XX/XX/XXXX they again reported this loan as included in ch XXXX bankruptcy. How can they continue to report inaccurate information and expect me to wait for letters while I am trying to make a purchase. This affects my ability to purchase a home by stating I am in bankruptcy and it is affecting my fico scores.
Consumer complaint received 2015-10-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

Company contacted me about debt which I disputed and requested validation on XX/XX/2015. The company never provided the validation of the debt. Instead they sent the case to an attorney 2 months later. I informed the attorney that the company was in violation because it was after 30 days and they did not provide any validation information and collection efforts should be ceased. No other contact was made, now they have filed a lawsuit of an account that was not validated.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PENTAGON FEDERAL CREDIT UNION (IL)

Last year I applied for a credit card from PenFed Credit Union. I never got the card. I believe it went to the house next door to me. On a Sat I got mail and did not open it until Sun. Thats when I saw a bill saying that I owe almost {$3000.00}. I called PenFed and had them lock down the account but their was only about {$300.00} left to charge on the bill. They told me to call on Mon. when the office was open. I told them the card stolen, and the almost {$3000.00} was not mine. PenFed made sure the account was locked down. They said they where going to issue me a new card. I never got it. I called and emailed them three or four times, to tell them what I think happen to the card. The last email I sent said they would forward it to the appropriate department. Thats all I hear from them. When I went to do a HARP loan I found out, I fould out in my liabilities PenFed said I had a debt of {$2900.00}. So even though I have given them all the information on who I think the card went to, they did nothing. I still have the XXXX emails I sent them last year. I told them who I think used the credit card and got nor response. All they have to do is see who called in the order, and where the merchandise was sent. This would answer everything. I told them I did not get the credit card, had them lock it down as soon as I found out, but they put the debt on me. I want is for them to remove the {$2900.00} from the XXXX credit agencies. If they do n't want to go after the people that took the money, and I told them where I thought it went thats their problem not mine. Thank You very much. I do at lease have one of the emails I sent PenFed last year. ( I NEVER GOT A CREDIT CARD, ONLY THE STATEMENT THAT HAS XED OUT NUMBER, I HAVE NO IDEA WHAT THE NUMBER IS, THEY NEVER SENT ANYTHING WITH THE CREDIT CARD NUMBER ). ( Member No. XXXX XXXX Account ( XXXX ) XXXX XXXX
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

My XXXX year old mother passed away recently, after having had an at & t/universal/citi credit card since 1990. Concerned with eliminating any chance of fraud, I called the XXXX number and canceled the card. In the process of canceling the card, I noticed that there were XXXX available reward points on the card with a value of approximately {$250.00}, so I asked if I could collect them, if the card was canceled. The answer was yes, cancel the card, and log in to the website to redeem the points. However, once the card was canceled, I could no longer log in. So I called back, only to be disconnected twice, after explaining the problem, being asked if there was a will and being left on hold several minutes. The third time I called, I was told that when you die, you forfeit your points. This is not a significant amount of money to us, but I believe it is real money, used as an enticement to gain business, and should not default back to the bank. When this policy is amplified on a national basis, it becomes a very significant amount to the bank. 
In addition, in the initial call, I was told we would receive a final bill, which I indicated we would pay. The final bill never came. Instead, we receved a letter from a Delaware collection agency regarding my mother 's unpaid bill. This part is just bad policy on the part of the bank, but the required forfeiting of the rewards points I would consider to be outright fraud or theft, very similar to the charging of fees on gift cards until they devour themselves, which I believe has since been outlawed.
Consumer complaint received 2015-04-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A. (MI)

Flagstar has misappropriated funds from mortgage customers through unauthorized " fax fees '' charged for payoff statements. They overreach their interpretation of permission waivers to quietly add a usurious fee for faxing payoff notices. XXXX attempts to resolve this dispute were unsuccessful. Customer 'service ' representatives were rude, condescending, and unreceptive to any sort of negotiated resolution.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I would like to dispute off the following items on my credi report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX I purchased furniture in XXXX Carolina on a Wells Fargo NO interest for 12 Months account. It took me three months to get the account settled so they would take my payments, as for some reason XXXX, XXXX, had not submitted my information, and Wells Fargo had no record of my account, and kept returning my payment funds. After much back and forth with the bank and store, I got it fixed, and I have been paying my account as promised on time as I was told that interest would be accrued after a 1 year time frame, so MAKE SURE, I have the account paid off by then. I have done so, and noticed a jump in the balance this month, so I logged in and saw a {$460.00} and {$27.00} increase on my bill. It is impossible to get Wells Fargo on the phone and I work 12-14 hours a day. I tried email, and their systems are down on the weekend to contact them to get answers, I want to know why this charge is here and why I was n't notified. I want other consumers to know about deceptive banks and banking practices so as to avoid the XX/XX/XXXX melt down this country had resulting from greedy bankers. I 'd like to know how to proceed to resolve this issue.