davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

XXXX XXXX I discovered that I was a victim of identity fraud when a former girlfriend co-signed my name on a lease for an apartment, resulting in my name being submitted in collections owing over {$3000.00} from XXXX. This was also submitted onto my credit report. FCO, the collection agency has attempted to collect this false debt from me last summer. Shortly after discovering this, I disputed this along with submission of an affidavit with all relevant & requested paperwork with proof of identity & my residency at the time of incidence that this debt was not mine and that I was a victim of fraud. I mailed it via XXXX and per tracking, it was delivered to FCO on XXXX/XXXX/XXXX at XXXX. The fraud report was also submitted on https : //www.identitytheft.gov/ as well as disputed on my credit report ; however, due to FCO handling this XXXX the other XXXX disputes were not submitted. A couple weeks after the affidavit submission, I began calling FCO to follow-up on my case. Every person I spoke with was extremely difficult to communicate with, no one was straightforward. They all simply beat around the bush, kept putting me on hold and I got absolutely nowhere. Furthermore, no one could confirm nor deny that my affidavit was received, despite the delivery confirmation. I called back about XXXX2 weeks later and same story, same bush. I then told them to call me once something comes up. It is now XXXX and I just received a new invoice from FCO, yet again, attempting to collect the debt. I simply can not deal with calling this terrible thick-headed company again, as no one can help me. They ignore my submissions and only submit theirs. This is a false debt, it is not mine.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for the American Express Platinum card with a XXXX Membership Reward point offer if I spent {$3000.00} in the first 90 days. Application date XXXX/XXXX/16. 

I spent a total of {$3200.00} on the card excluding the annual fee that I paid and met the bonus requirements. The XXXX point bonus was posted to my account on XXXX/XXXX/16. 

In XXXX, I was reviewing my personal finances and decided that I wanted to eliminate some expenses if possible. I decided to reduce my credit card annual fees, but I wanted to stay at American Express for my credit card needs. I cancelled my American Express Platinum card and instead opened a American Express Everyday card. To this day, I am using my American Express Everyday card as my primary spending card. 

On XXXX/XXXX/16, the XXXX Membership Reward points were deleted from my account without any explanation. I only noticed this when I logged into my account. 

Upon calling to resolve the issue, which I assumed was an error, I was routed to many different representatives and told that I cancelled the credit card and therefore forfeit the bonus ( which is clearly not a part of the offer that I had applied for ). I tried my best to work with American Express on this issue, however there was no resolution. 

I met every condition of the terms and conditions for the XXXX point bonus. I held the American Express Platinum card for almost 4 months before deciding if I really wanted to keep the card, including 30+ days after the award was granted. During this time, I paid {$110.00} in annual fees in the card. 

If I 'm unable to get the XXXX points restored to my Membership Rewards account, I 'm willing to continue with Arbitration on this issue as it is clear that I have been unfairly mistreated. 

Thank you in advance.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc. (AZ)

In XXXX of XXXX, I received phones calls from PDM claiming I owe a debt of {$27.00} to XXXX XXXX XXXX in XXXX, AZ. I stated that I was willing and able to pay the debt immediately, but needed written verification of the debt from their agency to verify the debt and where I can send payment to. The debtor, XXXX XXXX sent me an email that was blank, but had attached the file from the apartment complex- not a Letter of Validation from the debtor like I had asked for. When I replied to the email twice, I received no response. A few weeks later, they called back. Since then, I have gone back and forth with them stating I AM WILLING AND ABLE TO PAY immediately upon receipt of a Letter of Validation. I have verified my address with them and they have my correct mailing address and I have still not received a letter. I called the apartment complex, XXXX to ask if there was a way around this and they said they would call PDM to ask them on my behalf to send a letter. When XXXX called me back, they said that PDM has sent me multiple letters that have all been returned therefore I need to make my debt right and pay it over the phone immediately ( this is a lie ). I explained to her that I have rights and I am able to pay, but need a letter of proof of the debt. She continued with a condescending and angry tone telling me to pay the little amount that I owe otherwise they wo n't take my debt off my credit report. The fact that this debt was reported to a debt collector is a separate issue, but I also never received communication from them about a debt in the first place. I lived in said apartment complex in XXXX and am just now hearing of this debt in XXXX. 

I called PDM last Monday, XXXX/XXXX/XXXX and the lady verified my address and said they would send a letter out immediately. It 's now XXXX/XXXX/XXXX and I have yet to receive a letter.This is a roundabout of communication that has gone on since XXXX. 

I have read reviews online about this company and several people are having the same issue. Some have issues with paying their debt and not receiving proof or a receipt and the debt is not taken off their credit report. They beg PDM to fix it, and they continue with harassment. This makes me hesitant to forward payment. 

I feel that I have exhausted my efforts in trying to correct the debt that I owe, but am nervous to send payment. What if I do n't receive proof of my payment? Will they take my debt off my credit report? The amount I owe is also of concern- XXXX says {$30.00} and PDM changes the amount between $ XXXX {$30.00}. 

The tactics PDM uses is harrassment. I have had someone yell over me when I 've remained calm and explained that I am willing to pay upon receipt of a letter. They hang up on you, and when you call back they hang up on you again. 

I just want to pay my debt and have it taken off my record and my credit report. But I need a Letter of Validation.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

The creditor has now confirmed in writing it has no application, received the account from someone else, has no billing statements or receipts to provide on this decade old account. Strangely, it 's only evidence that the 'someone ' referred to the letter is me is that they claim they detected fraud on the account seven years ago and think they spoke with me. This is what serves as " verification '' these days, i.e. a spreadsheet containing what information they are reporting with nothing whatsoever to back it up. At this point, XXXX having made these statements in writing, I think it is incumbent upon Equifax to remove the account unless and until XXXX can respond with anything at all indicating this account is mine, or the account was used by me.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Pacific Union Financial, LLC (OK)

Someone else in my neighborhood bought a house, the mortgage company filed a lien document that ended up encompassing XXXX houses in the neighborhood. Said mortgage company then sold it to a large corporation ( Pacific Union Financial ) whom would not return any phone calls or emails from both my mortgage company as well as my title company ( and a third party they hired ). 

We spent over 2 months on this issue trying to get it resolved and were never able to. I received multiple extensions from my mortgage company and ultimately ended up losing the opportunity to refinance at 3.25 % which would have allowed me to save over {$46000.00} over the life of the loan.
Consumer complaint received 2016-04-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a XXXX from the IRS stating that I did not report {$1000.00} of income reported on a XXXX from Bank of America. 
Account number as reported by IRS is XXXX I was never mailed a XXXX, I do no income producing business with Bank of America, my only account with them is a credit card which is current, never late, and has not shown any credit to the amount of {$1000.00} for any reason, and when I call BoA to try to figure out what this is for, I get run around from department to department, and nobody can tell me WHY I was issued a XXXX, only that I was. 

I 'm now being charged interest and penalties by the IRS for this, and BoA does n't seem to care or be able to tell me why I was issued a XXXX, which strangely never showed up at my house in the mail.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY (CT)

I am in bankruptcy as of XX/XX/2015. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Another issue here is that we 've been monitoring our credit through XXXX and these lates never showed up. This lates are from XX/XX/XXXX and XX/XX/2015. We found them because of a hard credit inquiry on me personally for my business.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (NC)

I recently, just checked All my credit cards and checked all through them since XXXX, I had not been able to do so over the past couple years due to mental illness and being hospitalized several times, I had automatic payments set for the set amount to be taken from my account every month, I noticed the card from XXXX has net been used but once in XXXX for an XXXX care bear, and 4 times last year for XXXX cd,XXXX cartoon dvd 's and a doll, and thats it for 2 years, then I check back till XXXX, I see XXXX flat screen tv 's and cancelled by them and what I really noticed is the money owed on the card has been XXXX for 3 years? I make a call to XXXX XXXX at Walmart.com Customer service, he see 's the transaction and cancelled but the charges remained on my card and a doll set that shipped and was never delivered, and say, wow, this is a lot of money being charged and it clearly shows they were not cancelled, walmart never send me a statement with purchases nor returns, the card is cancelled and escalated to investigations, the weird thing is, early that same day, I recieved a New card, and that prompt my call as well, it has a new number, so I call walmart.com again, this time its XXXX id # XXXX she tells me there are no previous charges on my since as of XXXX XXXX had printed out the cancelled charges of the tv 's, and walmart has removed all information and closed the account I called about, sent me a new card with the charges on it!
Consumer complaint received 2017-02-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

Form letter received for undisclosed debt for {$19000.00} to be reduced to only {$6000.00} if I contact by phone by XX/XX/XXXX. Letter arrived with no address on envelope or letter. Today I received call and voice mail on my cell and my alternate phone number harassing me to contact asap or legal action will be taken.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I attempted to close an account with Chase Bank in 2012. Apparently it did not close and I was charged roughly {$480.00} in fees. In between the time of closing my account and when the fees hit, I moved to a new address and unfortunately I did not know about the issue until recently when I tried opening account at another bank and was denied. I attempted to rectify this issue multiple times with Chase, but they stated they were " not collecting on the amount owed '' and that there was no way they could remove the account from XXXX. I ended up finding someone that would take the {$480.00} to pay off the debt, but unfortunately I am still on XXXX. I attempted to escalate the issue multiple times but it was not until I spent a considerable amount of time in a local branch that anyone even received the complaint. 

The fees I were charged should have never happened and I should not have to pay the amount I did. But since I did, they should do the right thing and remove this from my XXXX record as it is their fault for failing to close the account properly.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC ()

I owed XXXX University {$5600.00} which I was unable to pay due to my financial situation. 
They sent it to debt collection - reliantcapitalsolutions. 
And now the debt collector wants {$7500.00}. 

I told their representative that I am willing to settle the entire amount that I owe XXXX University and add {$100.00} for their service. They cut their fee in half and are asking me to pay {$6400.00} I did not agree for the new approved amount and think their fee is unfair, subjective and unethical.
Consumer complaint received 2017-03-01
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX 2017 I needed to make a few transactions at a XXXX atm machine ser # XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX fl, useing my American Express Serve XXXX pre-paid card i made my first transaction for XXXX $ which i recieved my cash, i made my second transaction for the same amount XXXX $ which i didnt recieve from the atm, so i retryed a thrid time still i didnt recieve my cash, so i decided to check my card balance n my account was charged XXXX $ for 2 transactions that i never recieved, I called american express serve cusomer service and explained what jus had happen, they told me that they will review n investigate my dispute, and send me a email, On XXXX XXXX i recieved a email seying that a review was made n that i violated the consumer user agreement n that my account n card is supspended, i never did nothing wrong, i was jus trying to get some of my tax refund money off my card, why did they take my money,
Consumer complaint received 2024-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I have an AmEx gift card for {$500.00} that was apparently escheated. I submitted this issue already ( CFPB reference no : XXXX ) and received a response with a letter from XXXX asking me to email them a copy of my gift card and driver 's license to get a replacement card. The email address provided in the letter had a typo and I got a bounceback ( XXXX ). I ended up trying to email what I assumed was the correct email ( XXXX ) but have received no response.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NV)

I have had several issues with wells fargo bank from taking credits back before i.was informed per their.own.disclosure time as well.as customer service reps being.rude and hostile.on.the phone. Today i had yet another issue with being charged a XXXX dollar overdraft fee when i had previously called and spoke.witha. rep that told me i would have no overdraft fees accessed to.my.account because i had free overdraft protection. I called into customer service and spoke.with a very rude nasty disrespectful representative who put.my.on.hold.in.the middle.of.me talking because i asked.to.speak.with a supervisor. At this point i will pay the fee and close this account for.good once my deposits are finiahed tomorrow. This.is.the most unlawful, unethical.bank i have EVER had to.deal.with. i.would like this to.serve as a formal compalint and it.to.be fully.investigated as this bank.keeps.practicing fraud and poor customer service as well as unwarranted fee charging. There is.no.way i am willing.to.accept a XXXX dollar fee for.transferring XXXX dollars of my.own.money especially when.i was told that i did.not.have any fees at all.associated with my account. Then when.i.brought up what the previous rep.told me the current ladybi.spoke.with today began.to argue pretty.much that i had asked rhe wrong.question and got the wrong.answer without even.knowing.what the other.rep.told.me despite me requesting the previous conversation be reviewed. The most barbaric, unlawful, unethical banking institute ive ever had. Will be closing my.accounts tomorrow as well as moving family accounts from.wells.fargo.as well. Ridiculous!
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One Visa card, to which I have several automatic payments attached. Within the last couple years, I had to close the account ( get a new account number ) once when my son lost his card and then again when Capital One changed to chip cards. Changing account numbers is a real hassle for the consumer who has payments tied to the card. 

Several times the fraud department has declined transactions, even though they were n't fraudulent. Typically, I could respond to a text or email and retry the transaction, but this is n't very convenient if others are waiting in line behind you at a store ( especially at a grocery store checkout, for example ). 

Yesterday was the last straw with me. I received a call from the fraud department regarding some small charges, none of which were fraudulent. In fact, one of the charges they asked me about was a regular monthly charge that has appeared on my account for over a year. Apparently, their computer program " suspected '' that there was a fraud problem, and they insisted on closing the account. I spoke with a supervisor in the fraud department and told her that I did n't want my account number changed yet again, especially since it was a chip card ( supposedly more secure ) and there were no fraudulent charges. She just gave me the spiel about the computer suspecting something and insisted on closing the account. I asked to speak with her boss, and she told me she does n't report to anyone, which I find very hard to believe. So I told her I 'm done with Capital One. Apparently, they do n't care about losing business. 

Questions : Can they close my account against my will even though there were n't any fraudulent charges? Are there any credit card issuers whose fraud departments are more reasonable to deal with?
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OK)

My Federal and State income tax I put a wrong acct number that was closed instead if cash app sending it back they are holding it they keep telling me the bank need to recall it the bank keep saying they don't do that I still have cash app they can put it in my right account but they haven't I've been trying since XXXX to get my money my car has been down since XXXX I really need my money
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

XXXX owns loan. Select Portfolio Servicing services this loan. Debt & loan in Ex husbands name. I paid cash & owned the house. Due to me cosigning the loan. He lost his job and is in the arrears ( court ordered ) to me. SPS has a sale date on the house set for XX/XX/2017. 
I called a lady at XXXX today-XXXX @ XXXX ext XXXX. 
She said she ca n't help but told me to file this complaint with you as I have ask & begging SPS to open an Assumption Loan/ Simultaneous Loan Modification Review with reduced payments based on my XXXX income. PLEASE HELP!!!!!!!!!!!! 
XXXX