davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (DE)

To Whom this may Concern .... my wife and I have a mortgage through a company called Ditech. Around XX/XX/2015 I was released from my job, at the time I was making around {$48000.00} a year. Immediately after I was released I contacted Ditech to keep the communication line open just in case I fell behind with the payments they would know why. To make a long story short this company has been harassing us to no end, when I tried to make the past due payment last year around XX/XX/XXXX one of the customer service reps told me that I did n't have a payment due at that time and I was told to make my regular payment on another date. NOTE : THIS IS ONE TIME THAT I WHISH THE PHONE CALLS WERE RECORDED LIKE THEY SAY THEY ARE BECAUSE THEY WOULD CLEARLY HEAR THAT CONVERSATION AND HOW I WAS GIVEN THE WRONG INFO. So with all that being said I never lost communication with Ditech and I 've been trying my best to work this situation out with them. Then I 'm told that I qualify for a modification, so my wife and I submit all the documents that they asked for at least three times and every time they kept telling us that we did n't submit the proper paperwork in time. After communicating with these people on a regular basis they still sent someone out to post notices on our door and when I asked the rep Why were they doing that? he told me that they do that to make sure the property is being occupied so I tell him is all they have to do is ring the doorbell because we 're home each time they do it, it 's embarrassing.Finally I work out an agreement to pay an additional {$600.00} to my regular mortgage payments to try to catch up on the past due payment and these payments are set up to come out of my account automatically but do the harassment stop ... .no it gets worst now they are sending us certified forclosure letters and to make matters worst the letters are going to our neighbors houses. Please is there anything that can be done to stop this harassment, I can see if I had n't been communicating with these people but I have been up front with them since last year and they still are harassing me over one payment and some late charges. Now I 'm making {$52000.00} a year and have been trying my hardest to catch up not just with my mortgage but with other bills also. It 's seems to me that they do n't want to work this out
Consumer complaint received 2019-02-22
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: EQUIFAX, INC. (AZ)

The following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I never applied for or had any account with XXXX XXXX XXXX or XXXX XXXX   XXXX.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Cash advance — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XX/XX/2015 I took out a {$2000.00} cash advance from USAA. I was told over the phone that once I pay off the {$2000.00} cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {$2000.00} in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than {$2000.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that " after doing research '' it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I 've had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I 'll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IL)

I paid a settlement amount of {$190.00} on XXXX XXXX, 2016 and I was told that this account would be taken out of collections within 7days. Confirmation # XXXX
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TX)

Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (FL)

I have had a Gap store credit card that is not associated with XXXX for several years. Today I received a notification that Gap was sending me an " upgraded '' new Gap Visa Card. This appears to be an unrestricted Visa card. This was completely unsolicited. In the letter there is information that I must call on opt out of the program if I do n't want to receive the new Visa card. I feel this is predatory behavior on the part of Gap or the bank that represents them, Synchrony Bank. Not to mention it has an APR of 25.24 %! If I did not pay close attention to this letter I would not have known I was required to call and opt out. It should be the other way around. The consumer should be required to opt in if they want to issued a Visa card.
Consumer complaint received 2016-06-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/2016, XXXX XXXX XXXX, XXXX, a Florida corporation, ( " XXXX '' ), towed away my wife 's car which was parked arguably properly with a note inside the car explaining that there was difficulty with payment at a parking machine. The vehicle had apparently been parked at HSBC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. HSBC 's lot had a sign referring to " display paid receipt '' and close on the sidewalk there was a machine that printed receipts for parking and it was not completely clear to her that the sidewalk machine was inapplicable to the HSBC 's parking lot. HSBC did not have any person collecting payment from its booth nor a parking payment machine in its lot on that day. My wife lost {$2.00} dollars in the sidewalk machine and left a note inside her car. XXXX took the car to a lot and refused to release it unless a payment of {$280.00} was made, and if significantly delayed then the price would increase. {$280.00} was paid to XXXX and then the vehicle was released. The invoice number is No. XXXX. Although HSBC was authorized to ask a towing company to tow a vehicle, HSBC was prohibited from having a contract with a tow company since a contract is a bargained-for exchange, which means that the towing company gave something of value to HSBC for the right to tow vehicles from the HSBC property. See Florida Statute 715.07 ( 2 ) ( a ) 4, which states as follows : " The towing or removal of any vehicle or vessel from private property without the consent of the registered owner or other legally authorized person in control of that vehicle or vessel is subject to strict compliance with the following conditions and restrictions :.. 
4.A person may not pay or accept money or other valuable consideration for the privilege of towing or removing vehicles or vessels from a particular location. '' Furthermore, HSBC knew or should have known that XXXX would charge an abusive amount of money to release the vehicle, making HSBC liable for aiding in abusive behavior against the public. HSBC admits it had a contract with a towing company.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I previously worked for Bank of America for a little over 6 years ' total. During that time, I also used the bank as my primary depository institution. After voluntarily departing from the bank XX/XX/XXXX I continued using the accounts out of convenience. I had/have a total of XXXX accounts, XXXX checking and XXXX savings. In order to avoid a monthly service charge for the savings account without maintaining a minimum {$2000.00} in each account I had to set up auto-transfers from the checking to each of the savings. This was done easily while working at the bank and setting up the payments to coincide with paydays - every 2 weeks. When I left, and began with another company my paydays changed to semi-monthly. Still, the transfers continued and I never had a problem with overdrafting my account at any time. On XXXX/XXXX/XXXX, I logged in to check the account since I had began using another institution for my daily spending and only using BOA for bill paying - I noticed that I had incurred overdraft charges the prior week. When I traced the reason why the account had been overdrafted, it was due solely because of the auto-transfers from the checking to each of the savings accounts. My thought was that I would contact the bank and let them know of the error so that it could be corrected - after all, the funds were not 'absent ' it was just a matter of funds going into XXXX account when it should have been held - and I do not overdraw my account, nor was I ever notified via mail and/or email of the problem. When I contacted the bank, the representative stated that she had to 'check ' to see if I was eligible for a refund of the overdraft fee. She placed me on hold and came back on the line and informed that I was not eligible. I asked her why and what was the determining factor? She said that she was unable to tell and that the 'system ' has a formula for this but either would not or could not explain it to me. Now, this was literally XXXX overdraft fee..not multiple..not spending money that I did n't have. The funds were 100 % within the bank - and they charged me a fee for money they benefited from. Furthermore, I had no prior knowledge of this policy nor any notification afterward that this had occurred. I am now in the process of removing all of my funds from this account - a lengthy process since I have had this account for almost 15 years. What a disappointment.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I applied for a Citgold checking account with a bonus of airline miles for meeting certain spending and bill payment requirements. After meeting the requirements, I spoke with a chat representative who confirmed that the bonus offer was attached to my account and that I had met the requirements. When I checked back later to see when the miles would be credited, I was told that the offer was not intended for me and that I would not be getting the bonus. I was never informed that I was not eligible for the offer when I was allowed to apply. In fact, XXXX different reps from Citi confirmed the offer was attached to my account. I feel this was a fraudulent way for Citi to gain new business. If, in fact, I was not eligible, their system should have never allowed me to open the account with the offer attached ; their reps should have never given me misleading information confirming that it was in fact attached. They made money off of my charges to meet the bonus requirements and then pulled the offer.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MO)

I was supposed to receive a {$200.00} credit for opening a new checking account. I met all requirements stated in flyer. Its been over 10 weeks and no credit has been made. US BANK is lying to consumers to get them to open an account with direct deposits. This is so unfornate and i hope they get sued for false advertising
Consumer complaint received 2016-06-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Moore Law Group (CA)

The Moore Law Group has continued to escalate the amount owed The amount owed at time of filing on XXXX/XXXX/XXXX was {$11000.00} and adding their interest and judgment of {$2200.00} plus {$25.00} for writ fees, the amount came to a total of {$14000.00}. On XXXX/XXXX/XXXX, the Moore Law Group garnished my credit union account for {$1000.00}, leaving only {$25.00}. However, in their writ of execution on XXXX/XXXX/XXXX, they acknowledged that the amount taken from the credit union was {$1000.00} which was incorrect. However, with the interest added in the amount of {$3400.00} increased the total amount owed of {$14000.00}. They ignored the fact that I was not credited the correct amount withheld from my credit union and also ignored the fact that on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Card member Services sent me two letters informing me that they were crediting me {$6.00} and {$3.00} for a total of {$9.00} which has never been credited to the enormous overpayment that is continually increasing rather than decreasing. At one point, I called to make payment arrangements but was told it had to be a certain amount each month based on how they had it set up but based on my finances, I could not afford the amount they wanted on a monthly basis. Even after they took all the money out of my credit union account, they harassed me by sending information to garnish my check. However, because I am not employed, there was nothing to garnish. I feel the Moore Law Group has violated my rights and have escalated the amount owed to an outlandish amount of {$14000.00}.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (PA)

Recently, due to failure to renew their master agreement, XXXX and American Express have ceased their commercial relationship meaning that the XXXX American Express Card would cease to be valid in XX/XX/XXXX. According to a mailing received from XXXX, all outstanding balances on the American Express Card would be transferred to the new Visa card they are issuing to members. Disturbingly, the mailing indicated that the balance transfer would be assessed at the penalty rate even though the American Express account was in good standing. As this will result in a significantly increased interest rate on outstanding balances, even though the cardholder did nothing whatsoever to warrant that assessment, and such assessment is by the terms of the new Visa cardholder agreement illegal since under that agreement the penalty rate can only be charged if the account is past due or payments have been missed. In my view this assessment constitutes an violation of the Fair Credit Billing Act as it is imposing a penalty where none is authorized.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX 2016, I mailed a letter to Transunion for both myself and my husband, and I called after believing adequate time had gone for mailing to confirm receipt. Per the representative, they not received the letters and I was provided a fax number. On XXXX XXXX, 2016, I faxed the letters for both myself and my husband in which I got a successful transmission and still as of today, I have not received any results of the dispute nor has he. I contacted Transunion today and spoke with XXXX representatives in XXXX, XXXX a regular representative and the other in the special handlings department who both advised they did n't see anything being received for me. Despite me telling them of the faxed confirmation which is synonymous to sending certified mail, they kept insisting on me giving them the accounts I disputed so they could now put them in dispute. I then asked for a supervisor in the Special Handlings Department in the United States as I was getting nowhere with the ones in XXXX. I spoke with XXXX, Special Handlings Supervisor in U.S. who stated he did n't see letters either. He checked my husband 's file as well as mine. How could they not see a fax? I advised him that according to my Efax service, the transmission was successful, I confirmed the fax number sent to as being their fax, I provided the exact time to him down to the second and he still just asked if I could, get this, fax the letter again to the same fax number to his attention so he could place the items under dispute. I declined as this has already been my 2nd attempt and second method of delivering this same information to them and them not receiving it.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

I overdrew off my checking account at a bank about 4 years ago, and they went through the proper channels and had me garnished from my work, approximately one year after. The full amount that was due was taken.Courts sent me notice that the garnishment was finished and the amount was paid in full, yet it does not show on my credit report. Ive been trying to rebuild my credit but I unable to in certain areas dues to this misinformation. I would like it rectified, and closed please.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I have received a wire transfer and unclear why the bank reserves 1 ) 5 days to give access to funds even though the money is available within hours as the transmitting bank has confirmed the direct receipt 2 ) Unable to confirm receipt of funds at all for the 5 day period, even though the transmitting bank is able to confirm it was sent 3 ) Can then also justify a {$25.00} fee which they are unable to substantiate the precise " cost '' to them and when they are able to make money off the funds for 5 days alone and demonstrate no actual " cost ''
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: JP RECOVERY SERVICES, INC. (LA)

XXXX ( my family 's insurer ) pays XXXX % for any visit that is preventative or wellness related. My wife went for routine preventative procedure as me and she is being charged unwarranted medical fees because the doctor miscoded the visits. We have notified the doctor to code the visit properly and the office has not recoded and this constitutes professional negligence, something we should not pay for. The doctor 's office has now engaged a collection agency ( JR Recovery Services , Inc. ), Tel XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio to collect on a false debt and they are harassing us with letters. Please help! 

per conversation with XXXX at XXXX, on XXXX/XXXX/2016 at XXXX and am quoting her response verbatim " XXXX : It looks like our department has been actively working on getting the claims for the doctor office and the lab resubmitted. We have placed several calls to the lab and the doctor 's office requesting the doctor to resubmit the claim with a well visit code, however we have not yet received any corrected claims.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Delinquent account — 
Company: Legal Recovery Law Offices, Inc (CA)

XXXX XXXX, 2016 - I received a letter from XXXX XXXX, Legal Recovery Law Offices , Inc saying the Plaintiff : XXXX XXXX XXXX vs Defendant - XXXX. It list no details except that there is a Declaration of Accrued Interest. Interest on the judgement accruing at the legal rate from the date of entry on balances due after partial satisfaction and other credits in the amount of {$940.00}. 

I called the Law Office to know what they are talking about but the was asking for social security and other personal information that I did not want to give. I was wiling to give the case number which is XXXX but the receptionist hung up. I feel that I am being harrassed by this law office and XXXX.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I recently had XXXX student loans with XXXX XXXX that were discharged due to XXXX on XXXX XXXX, 2016. I checked my Equifax credit report and determined that they did not show closed and paid on the XXXX student loan tradelines with XXXX XXXX they left those open but also added XXXX new tradelines with XXXX XXXX XXXX XXXX to my credit report and then reported those accounts closed and paid. I have a total of XXXX tradelines of student loans now. I called Equifax and told them that the information was incorrect and that these accounts are duplicated and it should only show the XXXX original tradelines with XXXX XXXX as closed and paid. I receive notification on XXXX/XXXX/2016 that Equifax has not removed the original XXXX loans but they have just closed them and noted on all XXXX accounts that they were : ( Student Loan Account Transferred Or Sold Student Loan ) which is not accurate. I have tried to get them to report accurate information and I am not getting the service they should provide by law. I would like this information reported accurately as it has caused my credit score to drop significantly ( XXXX to XXXX ).