davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (IL)

I made a balance transfer of {$3000.00} from Citi card to XXXX on XXXX XXXX 2016. 
Today is XXXX XXXX 2016 and the {$3000.00} still show in both accounts.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (TX)

In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and one of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw Pinnacle Credit Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact XXXX XXXX XXXX because they handle all of their debt collections. I faxed a copy of my credit report to XXXX and they did not clarify if this debt collection will be removed from my credit report.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

I went to a XXXX to have XXXX work done. They set an appointment for me, sent a notification reminder, when I arrived I was told since I had n't paid the {$2400.00} " The doctor ca n't see you. I now know this amount was far was way to high for the treatments I 'd received. I was overcharged and previously had paid over {$400.00} in advance. I 'd requested they file with my insurance, they refused even though they had previously filed for payments, for which they also overcharged. 
I am a XXXX XXXX unemployed veteran, living with friends, so I 'm homeless. I had XXXX since the XXXX had completely XXXX. I suffer from XXXX that causes headaches and I was left virtually with non-functioning from XXXX, in pain and unable to bite normally. They 're failure to complete the work, left me decades for 2 years. I am on a fixed income and am a XXXX over XXXX. 
I became so desperate a friend sent me another dentist, who corrected this XXXX poor quality and incomplete work. The charge was nearly XXXX % less with the new XXXX, who did bill my insurance and took payments as this dentist originally indicated she would. 
The dentist that did n't do the service or provide goods ( my XXXX that function appropriately ) billed me for over {$2400.00}, has a collection agency harassing me to pay for goods and/or services I never received and reported the fraudulent amount of {$3000.00} to all major credit bureaus. Now their collection agency harasses me and say they would ruin my credit report. These harassing calls were recorded. Now they have, in fact reported these erroneous fraudulent charges and they are on my credit report with all XXXX major credit reporting agency.
Consumer complaint received 2016-03-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I try to replace my lose of XXXX due to relocate from XXXX to XXXX on XXXX/XXXX/2016, in order to get the new drive licence and passport. I accidently log on XXXX which has a Liberty Statue and looks like a real government cite, I did not doubt and asked to prepay {$170.00} to get start the process. I provide my credit card information and follow the questions, I did not notice this cite is not government official cite until my daughter gave me the XXXX web cite. We found out it only require to write the check {$340.00} filing fee for the Form XXXX, I call XXXX to XXXX XXXX XXXX ( XXXX ) for asking why I have to pay extra {$170.00}? I just got the answer of yes, I have to pay extra {$170.00} to process the filing form. Then I call Bank of America billing dispute department ( XXXX ) to stop payment {$170.00} and mail me a new credit card, the associate told me it 's pending now, I have to wait 5-7 business days call back to get the refund and BOA will protect customer 's right. I call back yesterday XXXX/XXXX/2016 and the associate told me the only way to get the refund is to call XXXX. I call several times waiting for the chance to get the answer from XXXX, XXXX offer refund {$80.00} from staff then {$120.00} from supervisor and I have to drop the dispute filing and provide BOA XXXX name and phone number first. I call BOA again and associate wo n't give me the name, he remind me the better way is to drop the case and I will expect to get no money back. I call uscia.gov the agent gave me XXXX then contact consummerfinance.gov to get help. I had been suffer frustrating calling BOA and XXXX several times, I do n't know what to do, please help me to get my {$170.00} back. Basically, I just mislead to prepaid XXXX own money {$170.00} and fool around to gave away all my personal information to XXXX, my daughter help me to apply the XXXX Form XXXX with {$340.00} check via certified mail on XXXX/XXXX/2016. I did not have service from XXXX and BOA did not protect customer from fraud dispute.
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (VT)

Due to the unfortunate fact that XXXX XXXX of US Bank completely ignored the evidence I submitted and answering my question for Case number : XXXX, I am resubmitting this document a second time, as a new complaint in regards to my problem with US Bank. And, like XXXX XXXX has asked to me, I ask him to read this and the document very carefully. 

I opened up a checking account in XXXX and then two CD accounts in XXXX, both at the Yellow XXXX office of US Bank. At both times they were under the aegis of XXXX XXXX, although a second manager handled one of not both of the CDs, under her supervision. 

It is my contention that I opened the CDs with all mailing to go to my Vermont address. 
It is US Bank 's contention that I never did any such thing. They have provided me signature cards as the only evidence of this. 

I have asked US Bank for more evidence than these " signature cards '', namely the full data set for me, due to the fact that during the account opening, I was asked numerous questions all of which the bank manager typed into the computer. During a phone conversation with XXXX XXXX, he offered to research this and discuss " whether ( he ) could do so '' with their lawyers, and said that it could take up to six weeks. I told him to take the time he needed. However, within two days of that, I received in the mail copies of the signature cards, and nothing more. When I contacted XXXX XXXX about his offer to research more deeply, he said he had never done any such thing. 

It is US Bank 's contention that I never contacted them or informed them about a Vermont mailing address until some time in XXXX. Assuming that I did this, the address was not fully corrected even as late as XXXX XXXX, even despite XXXX XXXX own intervention in XXXX of XXXX. As late as XXXX XXXX, I received no maturity notice for a CD coming due on XXXX XXXX. I wo n't repeat the many times I had not received XXXX and had to call in for them. For these errors I only have received apologies from XXXX XXXX, but no explanation. 

The evidence that puts into question XXXX XXXX repeated assertion must unfortunately be submitted here again : a bank statement from US Bank, dated XXXX XXXX. It is for the checking account that XXXX XXXX, in his XXXX XXXX response to my complaint [ Case number : XXXX ], says ONLY was signed for either a XXXX XXXX address or the XXXX XXXX address. And if, as he also contends, I never called US Bank until XXXX to inform them of my Vermont XXXX, how does he explain this statement of XXXX with my Vermont address? 

XXXX XXXX, in his XXXX XXXX response, states once again that US Bank had no notice of an address change until my call of XXXX. If that is the case, then he must at least respond to this bank statement of XXXX XXXX and state how it is possible that US Bank had my address then? ( And possibly earlier. I only have access to XXXX XXXX online. ) His previous unwillingness to answer this important question does not resolve the matter.
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Unifin Inc. (WI)

Called to collect on a debt from 2006 that I have no remembrence on for a credit card from XXXX XXXX XXXX Bank which according to the internet is no longer in business. Offered to do a XXXX settlement if I paid today for {$500.00} odd dollards instead of over {$1500.00}. When I asked for validation documents they said they would send and then hung up on me. I called them back to get the name of the company calling, etc - it sounded something like XXXX or Unifen- and the representative refused to spell the name when I asked for clarification. They asked me to confirm the last XXXX digits of my social which they had and I refused. When I kept pressing and calling back, representatives would hang up on me or put me on hold and never come back on the line. They could tell who I was by my phone number on their caller ID so they also had that on file as well as my birth date. The number they called from was XXXX and said it was case XXXX. I have been getting at least one call a week for the last year from companies trying to collect on debts that are no longer valid. I am constantly monitoring my credit report and this particular company indicated they would remove this debt from my credit report but it does not show.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am an XXXX XXXX service member with SCRA benefits. I have an auto loan through XXXX Bank and I have been late on the account 2 times since I have had the car and XXXX times the account was late XXXX3 days and the most recent XXXX I tried to call in and pay on the XXXX with a due date of XXXX and he told me to call back the following week to avoid a fee so I did that and then they reported it late after being told they would not. I got the car before I went on XXXX XXXX and I should be getting charged late fees plus nothing should be going on my credit while I am trying to serve our country. I should not have to be dealing with things like this in my current situation. This is why there is SCRA protection. I would like the late payments removed from my account immediately
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

I attempted to pay off a mortgage loan with Chase. The loan number is XXXX. I sent XXXX personal checks to Chase to pay off the loan. XXXX was for {$13.00} and the other for {$41000.00}. Chase should have received these checks on XXXX XXXX, 2016. On XXXX XXXX I called my bank to determine if the Chase checks had cleared and found out the smaller of the XXXX checks had been paid by my bank. I called Chase to determine why the larger check had not been presented for payment and was informed since this was a pay off they needed a cashier 's check. I then went to a Chase branch here in XXXX to see if they could assist me in getting Chase to present the check to my bank and the Chase brance was told a cashier 's check was needed. When I first talked with Chase I was also ; told Chase would mail back tome the larger check and the Chase employee at the XXXX branch was told the same. I then went to my bank and obtained a cashier 's check and took it back to the Chase branch in ; XXXX and received a receipt. On XXXX XXXX I called my bank to check on the balance in my account and found our Chase on XXXX XXXX had indeed presented my large check for payment which was returned to Chase for NSF as the monies for the payment had been withdrawn when I obtained the cashier 's check. I then called Chase to determine why they had presented my check for payment when they said they would mail it back to me and it was supposedly against their policy to accept a personal check for a pay off. No one at Chase had any explanation of why this happened. 

Then adding insult to injury Chase again presented my personal check to my bank on XXXX XXXX which was paid by my bank but created a negative balance in my account. ; After I wen t to my bank that check was returned to Chase NSF. On XXXX XXXX I received a letter from Chase dated XXXX XXXX informing me that my loan was paid off which it was on XXXX XXXX. 
I have spent more than 5 hours attempting to get this matter resolved with Chase including in 3 trips to their XXXX XXXX and 3 trips to my bank to clear up the NSF issues created by Chase It would appear to me that if Chase does in fact have a policy regarding only the acceptance of a cashier 's check they should follow it. Also I should have been able to rely on the representation by Chase employees that they were going to mail back to me my check and not present it to my bank for payment Further why Chase would present a check for a payoff on XXXX XXXX when their records showed on XXXX XXXX the loan was paid in full can not for any reason be justified.
Consumer complaint received 2016-03-11
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (TX)

This company Midwest Recovery has violated FDCPA policy, they reported a collection to my credit report with out contacting me about this debt, they did not give me the Rights to fight! when I ask to send me the documents they could not provide the right address..now I have a collection for a fraudulent account,
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MO)

Re : Santander Consumer Finance Since purchasing a XXXX GMC Envoy from Santander Consumer Finance 's Road Loans in XXXX XXXX, Santander 's records document 33 payments received on the account totaling {$9600.00}, and only {$1300.00}, or four partial payment amounts, were applied to the principal. I did not understand or believe it is legal to offer interest only loans. This loan forces me into a perpetual cycle of debt that I can not afford to continue. I am XXXX years old and no longer able to drive the vehicle or pay it off. The vehicle can not be sold because the current value is approximately {$2500.00} and the balance is over {$12000.00}. The original purchase price was {$12000.00} with an interest rate of 26.29 %. I notified Santander in writing on XXXX/XXXX/XXXX of my wishes to voluntarily surrender the vehicle, provided an address for them to have the car picked up, and gave them contact information for my daughter so they can retrieve it. Santander has not contacted my daughter to pick up the vehicle per my request. My daughter also contacted Santander on my behalf to ask that they pick up the car and she provided the address as well. I also informed Santander to stop all communication with me and with my address about this debt. 
I would like the CFPB to : 1. Assist my daughter with surrendering the car to Santander. 
2. Investigate my complaint and notify me to confirm that interest only loans are legal. 
3. Provide me with my options to dispute Santander 's practice in my case. 
Thank you.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

After several weeks of trying to work out the logistics of a return for defective merchandise with a vendor and realizing that we were not getting anywhere with them, I contacted Chase in order to dispute the charges with them on XXXX XXXX, XXXX. I explained the issue and that the vendor had agreed that their merchandise was faulty and that they would take back the item, however, we would be responsible for expenses associated with the shipping ( it was a dining table base so it was quite heavy and crating was necessary ). I gave all the requested information as to dates, amounts, contact information for the vendor, my contact info, as well as offered to send video documentation of the defective merchandise. The customer service rep stated that a temporary credit would be applied to the account and they would begin the dispute process. In XX/XX/XXXX, when reviewing our statement, I noticed that this charge had not been applied, nor had I received any written information regarding the dispute. I called and was told that " for some reason '' the dispute had not been processed and was assured that it would be taken care of. It was a month later when I noticed that the temporary chargeback had STILL not been completed so I began following up with Chase regularly to find out why this was taking so long. After speaking with supervisors, it became apparent that even though we had filed the dispute within the appropriate timeframe, since Chase had failed to submit the claim in a timely manner and the window for filing the dispute had passed. Over the coming weeks, we spent considerable time following up trying to get resolution. We explained, and they admitted fault, that Chase had dropped the ball and had not submitted our claim in time, even though we had done everything we were supposed to have done. They contacted the vendor who was still willing to take the table back, but were still unwilling to negotiate costs associated with shipping, which was the reason for our original dispute complaint. We were told that the timeframe had passed and since the vendor was willing to work with us, Chase was going to close our case. This whole experience was very frustrating. We did everything we were supposed to do and the ball was dropped, not once or twice, but more than 3 separate times we had to contact them for a resolution to a dispute which they had done nothing with. The only time we received anything in writing regards to this was on XXXX XXXX, XXXX when they sent a form letter with inconsistent information and implying that we were going to have the charges that were never removed from the account added back on to our next statement. As a result of Chase 's negligence in handling this dispute, this has cost us thousands of dollars in time and resources to get it back to the vendor in order to get some of the money returned. We are a small owned business so this has impacted us. We would like Chase to be accountable for the handling of this transaction and make it right.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had a car repossessed in 2009 by XXXX. I went to court and settle with there lawyers and paid in full the settled amount. This judgment is and has been paid in full and has been removed already from my Transunion credit report. I would like the judgement removed/deleted immediately off my account. This happened back in 2009 and this judgment is still being used against me today when getting things that require good credit. I have taken the necessary steps to fix the financial issues I had back in 2009 and it has been 7 years since repossession. I am a member of the XXXX as well in finances and it looks bad against me when I am moving places and some jobs in my XXXX require credit reports and this info is till on there. I have maid contact with XXXX over the issue and they recommended disputing the judgement and they would then remove from my account once approached through the dispute process. Please help me out
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC (TX)

In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and XXXX of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw XXXX XXXX Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact Dynamic Recovery Solutions because they handle all of their debt collections. I faxed a copy of my credit report to Dynamic and they did not clarify if this debt collection will be removed from my credit report.
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Having to deal with this company is by far XXXX of the worst experience I have gone through. I have been trying for over a year to get a modification from this company that keeps giving me the run around. They have lied to me, lost my documents and keep misleading me. I am about to loose my home because of this company. They are not following procedures and something need to be done about this!!. There are over XXXX complains about this company on line, what is it going to take. I am also consulting my lawyer as I will be suing this company. Even an employee voiced their distress and dismay about feeling helpless and unable to help consumer even though he/she is aware of the mishandling, lies, harrassment and fraud going on in this business. There will be a Class action law suit for the pain suffering and lies I have and is still enduring from this company!!