davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (IL)

ID Theft was used to open a fraudulent account with XXXX XXXX. the person paid for awhile then stopped, so XXXX XXXX turned it over to Amsher Collection Services. I provided all the required paperwork ( police report, FTC affidavit, etc ) to XXXX XXXX to verify it was not me ( especially since the TV service was in a state I have never lived in! ). XXXX XXXX provided me a letter stating their investigation confirms I am not responsible for the account. When I filed a dispute with XXXX five months later ( since Amsher STILL had not removed the item ), even supplying the credit bureau with a copy of the XXXX letter stating I was not liable for the account. Amsher Collection Services refused to remove the item from my credit report and will not change it. It makes no sense. The company that turned the debt over to Amsher Collection Services admits the account was set up fraudulently, but yet Amsher Collection Services refuses to remove it from my credit report.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (GA)

Have been charged late fees since May 2016 by BP, Synchrony Bank. I pay my credit cards, online through my bank, and since we are retired and receive Social Security ( SS ) the XXXX and XXXX of each month, I pay them ahead, usually the XXXX or XXXX of the month for the next months bill to avoid late fees. I noticed the above statement for XXXX, 2016 had a late fee. I called them and they said any money they received after the due date, but still in the present month is credited to that month. They consider my payments as late, not in advance. The account was originally made by us with XXXX, not Synchrony. Since I only view my statement once in awhile, I did not realize they were doing this. First I never received a notice stating the change of companies and/or stating the change in payment rules. XXXX never required me to pay ahead in the month it was due. I always enter the date for the payment to be credited for and they obliged. How can I get help about this, since the only one I have been able to talk to is in the XXXX. I asked for a supervisor, the first time and was told I needed to get my husbands permission to discuss it any further. The second time, today, I waited on the phone at least 15 or more minutes and still no supervisor. 
Are there no banking/credit card regulations regarding this to protect the consumer from literally be robbed of funds? Please help. I ca n't find anyone at Synchrony to communicate with.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (ID)

I was a perchasing a truck through XXXX and I was given a bank account to make a deposit at Wells Fargo bank I did so but things began not adding up I contacted wells Fargo and told them the bank account was being used for fraud transactions I was told the money was still In the account and that in order to get it back I had to file a police report I did and the officers also were told the MOney was still in the account the officers told the bank they needed to freeze the account until they could get prosedures done to investigate further the bank no longer would talk to me about the money and they even let the person withdrawal all the money knowing it was a fraud account they had been aware of that from me and the police department
Consumer complaint received 2017-02-01
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (GA)

Correspondence to myself and husband, for the same account, can go up to XXXX calls and or emails a day starting promptly at XXXX am ending at XXXX Same company from multiple different phone numbers. 
XXXX calls. XXXX calls ... XXXX particular rep named XXXX calls once every day leaves a message. If she cant leave a message she will call back XXXX more times. Then there are XXXX other employees that call from different numbers. To each of our phones. And then they email as well.All from the same company. We have mentioned it to the company several times. They begin collection calls day of bill due until paid in full.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (OH)

the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

XXXX sent me a notice months ago that they are going to discontinue my XXXX XXXX credit card that I have through XXXX. The notice said that I would be getting a Citi Visa credit card as a replacement for the XXXX XXXX card. I then contacted XXXX and told XXXX that I did n't want there Citi Visa card. They told me to contact Citi when the Citi Visa card was delivered to me. I was told by XXXX that I could n't decline the Citi Visa card that I did n't want in the first place. The card recently came in the mail. I called XXXX, Citi Visa, and XXXX XXXX. I was told by XXXX that I could contact XXXX XXXX, cancel my XXXX XXXX XXXX card now ( before XXXX/XXXX/2016 ) and that the Citi Visa card would never be activated, and that I would not lose and accumulated XXXX XXXX rewards. When I called XXXX XXXX they said that I would in fact lose all accumulated reward points unless I waited until XXXX/XXXX/2016 and allowed the Citi Visa card to be activated. I do not believe that I should be forced to open a Citi Visa account that I never asked for, that I have tried every way possible to decline, and be subject to forfeiting accumulated XXXX XXXX rewards.
Consumer complaint received 2016-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: COMPUTER SCIENCES CORPORATION (NC)

I bought my a car with XXXX, but was looking at my credit report and found that they sold my loan to XXXX what is puzzling is that I just received a bill from a XXXX company CSC LOGIC INC for that car payment. So none of these XXXX companies found necessary to contact me. Is this normal? what if I had n't checked my credit report?
Consumer complaint received 2016-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (KS)

This collection agency has reported that I own {$89.00} for an policy that I paid in full. I have disputed this with XXXX and have gotten no where. I paid this policy in full and then cancelled it. I had no issues at the time of closing the policy and was not aware of any other charges. I have notified the collection agency of this and they have no verified the debt. The amount of {$89.00} should be removed asap. I am filing this complaint first to see if I get anywhere. If not, I have intentions to refer this to my attorney for a civil lawsuit seeking damages. I do n't care of the cost, this is principle. I expect this to be removed from my XXXX Credit Bureau.
Consumer complaint received 2016-11-28
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

Hi, I used PayPal to send and receive money. I always say to take the money out of my bank account if I make a purchase so I can keep track of my purchases for film and tv purposes ( I work for XXXX ). However, my friend sent me {$500.00} AFTER these purchases were made and AFTER I had verification that these purchases came out of my bank account, and they used this as the money to pay with even though I had already told them to take it out of my account. Additionally, i tried to give the money back to the people on XX/XX/XXXX and XX/XX/XXXX, and PayPal Charged me twice. Once when they sent it and once when I returned it. So, I was charged {$30.00}. When I reported this, they said I was only charged once, but I can clearly see I was charged twice -- they told me i. i need this fixed in the system before I can withdraw money for tax purposes -- I need the XXXX, XXXX and XXXX charges to come out of my bank account, not the PayPal balance -- which came after I made the purchases over the weekend. I made the purchases prior to this..I was on hold and they told me I needed to talk to a specialist, but when they transferred me that office was closed. Additionally, when XXXX sent me money in XX/XX/XXXX, she also sent it the wrong way, I was charged XXXX and promised by Pay Pal to have this money refunded, though it never happened. The person at PayPal, said this money should not have come out in this manner and they apologize, but he said only a specialist can fix this for XXXX tax records. Can you help look into these issues for me? They owe me {$60.00} in fees that were promised back to me. Additionally, I need the monies to be canceled if they can not fix it.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (IN)

We applied for a mortgage with USbank on XX/XX/XXXX. As of XX/XX/XXXX they had not approved the mortgage. We recieved a letter on XX/XX/XXXX stating " During the processing of your residential mortgage loan application, one or more elements have changed. '' The change was that they were going to charge us a fee of {$960.00} for a rate lock extension. We have done everything possible to expidite this loan, including providing litterly hundreds of documents. We had to take a short term bridge loan at a very high rate while wating for the mortgage approval. We withdrew our application yesterday. Our credit has been harmed, interest rates have increased and we are forced to begin the loan process anew. This has been a taxing experience and should not have happened.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION (CA)

Checking account overdraft : was unable to deal with bank due to emergency illness, when I got out of hospital I called bank and asked for account to be closed, was told it had to be done in person or by mail and bank refused to adjust the charges. I then had someone deliver a request to close account letter and have continued to be charged fees. I am not able to go to bank at present and can not take care of this issue, but am still being charged fees.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My information was stolen XX/XX/XXXX i filed a report with my bank as well as capital one and also filed a police report. I submitted all documents to capital one and i also got a final decision from XXXX on XX/XX/XXXX saying that the payments were not mine i then contacted Capital one and they stated they closed my accounts and i owe the balance i also sent in the final decision from XXXX to capital
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I am XXXX military, and have been since XX/XX/XXXX. 
In XX/XX/XXXX I purchased a house in XXXX, Arizona through USAA. The loan was a split ( XXXX ). 
I left the US to serve XXXX from XXXX until XXXX. 
During this time USAA sold the primary to another mortgage lender, but USAA retained the " XXXX % '' of the loan for themselves. 
I returned to the US and was divorced shortly after in XX/XX/XXXX-XX/XX/XXXX and because of the housing market crash, the house was upside down. When I attempted to execute a short sale to remove the property as a joint holding between my ex-wife and I, she declined to do so out of pure vindictiveness. This forces the disposal of the property to have to be foreclosed upon in order to break ties and liquidate the property. 
The foreclosure process began, USAA refusel the XXXX / XXXX offer to settle with the primary lender, and the first mortgage holder closed without them. 
USAA somehoe re-catorgized the loan as a " Home Equity Line of Credit '' even though it was original purchase money and not an HLOC. 
In the State of Arizona, there are laws ( see the attached letter as a reference ), that state that all money used as original purchase money, is " forgiven '' at the time of foreclosure. 
USAA has failed to recognize these laws and recorded my mortgage, even after the foreclosure, as a open account with a XXXX balance. 
After seeking assistance from military legal offices, USAA 's only actions in response to the letter requesting the removal of the loan from my credit report, was to file a XXXX and report the loan as loss to them, and capital gains for me. I got smaked with the tax bill, and paid as required. 
However, even after USAA recorded the loss, they still continue to report the mortgage loan on my credit reports and will not communicate with me, or my proxies to resolve this issue. In one event, they actually withheld my military pay to make a mortgage payment forcing me to change my military direct deposit banks to prevent further interference from the bank. I have successfully gotten one of the credit agencies to remove the account based on the law, but USAA has proven to be manipulative and uncooperative, especially since they claim to be a military affiliated institution that is stonewalling an XXXX military member causing massive financial implications in direct contract with the Arizona Revised Statutes that they agree to abide by when they do business in those states. This is a typical struggle of the little guy against the " big bank '' who uses stonewall tactics for their own financial gain, while the whole time advertising themselves as being a " military member supportive institution ''.
Consumer complaint received 2017-02-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

On XX/XX/XXXX I leased a car through Nissan. XX/XX/XXXX my car was stolen and involved in accident. When I called my insurance I was informed that I only had liability and the car was n't fully covered. When getting the car the salesman told me that he called my insurance company to verify my insurance and told me I was good to go. I have a paper where he said he called, but my insurance has no record of him calling. The finance manager then went on to fill out the lease agreement as if I was fully covered and signed the contract. I feel I was mislead and lied to. By North Carolina state requirements the dealership is required to call to verify the purchasers insurance. If in fact he did call then this would n't be an issue. The General Manager told me that they do not have to check customers insurance and that if you show them an insurance card that they assume you are fully covered ( I find that hard to believe ).
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (TX)

The CFOB has to put an end to the practice that allows debt buyers such as Cavalry Portfolio Services to post collection accounts on credit reports as well as the original creditor. The FICO scoring systems make no distinction that this is the same account that has been paid, they view it as XXXX separate derogatory accounts. Cavalary is reporting a derogatory collection account and the original creditor is reporting a charge off. So according to the FICO scoring systems there are XXXX derogatory accounts instead of XXXX. You have to put an end to this practice of doubling up on the damages. XXXX has refused to delete their derogatory trade line even after they were paid! I never had an account with Cavalry, I never broke a contract with Cavalry, I never had any kind of business relationship with this company. They paid pennies on the dollar for this account hoping to make a huge profit, which they did! And now even after they are paid and made a huge profit they want to continue to damage my credit for the next seven years. That is absolutely insane. 

You need to reign in these debt buyers and stop letting them report the same account multiple times. If Cavalry buys this debt then the original creditor should delete their reporting. It is crazy that these debt buyers are allowed to get away with this and destroy peoples FICO scores in what amounts to an extortion racket to coerce more money from consumers. Then even after they are paid they continue to damage FICO scores, causing thousands of dollars more in interest payments. 

I demand that Cavalry delete their negative trade line from all of my credit reports and you need to take a serious look at putting an end to this practice industry wide.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NM)

I have had XXXX debt collectors from XXXX reporting on my credit report. XXXX of the debt collectors were removed but was claiming XXXX different amounts : XXXX XX/XX/XXXX XXXX XXXX {$660.00} XXXX XX/XX/XXXX XXXX XXXX {$81.00} Now as you can see there is a major difference on these amounts. Which very wrong. 
The other XXXX are still on my report still with XXXX different amounts : XXXX {$660.00} XXXX {$100.00} XXXX XXXX just came on my credit report as of XX/XX/XXXX with XXXX still reporting it as well. Between all XXXX debt collectors no one has given me the original amount. Nor do I own this debt in general due to me having a XXXX prepaid phone as of this date.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (FL)

I opened a credit card account approximately 4months ago. The sole purpose of the account was to obtain a promotional XXXX gift card of {$100.00} if I used the card in an allotted time frame. I have used the card and have never received the gift card. This is after three inquiries over the last three months. they admit I should have received the card over 6 weeks ago and keep " researching '' why I never obtained this. US Bank and XXXX have fraudulently solicited the opening of this account under false promotion. There is no intention on their part to send the card. The last " supervisor '' I spoke with was XXXX employed # XXXX and told me " They are going to research the problem '' ... again!!!
Consumer complaint received 2016-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (PA)

I started working with a company called LOAN DEPOT. I sent a ton of documents. This went on for several weeks. Tax forms faxed to the second person handling our refinance. I was told it was go and everything looked good. We have excellent credit. I explained everything that was on our credit report. He told me that he would be needing an appraisal at some point. I told him let me know because I use a medical debit card and would need to put the money in. I was in an accident had to go to the ER and and when I went to pay my card was declined. I checked my account and they took out XXXX without telling me. My husband has loan on his c credit report but I explained that we do n't pay the loan my son does. And h he has been for 3 years. 
I was upfront about this and they said it was not a problem. I asked for my appraisal back since they did n't give me the loan that they said was a go..I was told it would go into for review about the refund. They once again sent and email denied the refund. I was told by another mortgage company that you do n't do an appraisal unless you review all the paperwork, tax returns, credit reports etc ... These guys wasted weeks of time, energy, and money only to get nothing. I have refinanced before and never have I had so much problems with documents having to be refaxed. I was told that you ca n't fax documents. 
I just want my XXXX back. I am with another bank and had to pay for another appraisal. This loan is a go but these people lead me on and just c continued to ask for more documents that they already received. It took six weeks to figure out whether or not we would qualify. Well we certainly ha had all the documents in order. We have very good credit. Just stole XXXX from me and probably knew they would never go through with the refinance.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Every XXXX and XXXX of the month I am paid via paper check from my employer. It is the same check drawn off of XXXX XXXX XXXX. Wells Fargo always places a hold on my check and tells me that {$200.00} will be available on the day for example ( XX/XX/XXXX or XX/XX/XXXX ) but when the clock changes to XXXX that is technically the next day. The funds are not being made available on the exact date but hours later after their " processing times '' I have told them multiple times about the issue and nothing is being done. The bank always successfully collects the funds from the account that it 's drawn off of. The bank has NEVER received a returned deposit item from me and yet they continue to place a hold on my paycheck. They claim that the " system '' is putting the hold on it but not them. No other employee at my company has this issue and the funds are always available I know because I am the XXXX. I can show proof at all times that funds are available in the account that its drawn off of but they still place a hold on my funds, receive the funds from XXXX XXXX XXXX and still have a hold on it. This is unacceptable and something needs to be done. I have reported this to their executive offices and local branches with no resolution.
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc. (OH)

They are calling every day always from a different number, never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/2013. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on trans union has been removed because of this divorce.