davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

This is a complaint against American Express company regard {$200.00} credited on my statement on XX/XX/XXXX, and then reversed the same amount a month later on XX/XX/XXXX. I opened my American Express Gold Premium Rewards on XX/XX/XXXX, with no fee to pay for the first year. The renewal arrived on XX/XX/XXXX. 

Here what happened : On XX/XX/XXXX, American Express credited my card with {$200.00}. The item on my statement says it was for " product anniversary. '' Not sure what product anniversary means, I contacted American Express customer service to ask why they credited {$200.00} on my account. I thought it was fair to check that it was not a mistake from them before going and spend the money. 

I used the customer service chat system on American Express website, and I chatted with a representative, who confirmed that the {$200.00} were a " product anniversary. '' So, that money is for me after all. 

I interpreted this {$200.00} as a comp of the comings annual fee for the second year. Some marketing strategy to keep me on board for one more year. In fact, a month later, on XX/XX/XXXX, the yearly renewal membership fee of {$190.00} is charged. 

I need to add that during XX/XX/XXXX, I was still considering if keep my American Express for the second year or to leave it. Obviously, receiving the {$200.00} made up my mind, and I kept my AmEx for one more year since the annual renewal membership fee was waived by the {$200.00}. 

Unfortunately, on XX/XX/XXXX, American Express decided to reverse the {$200.00}, showing this in my statement : " statement credit reversal. '' I immediately contacted the customer service through the chat system. I got just confusing information about an alleged mistake when they credited the {$200.00}, which is in contrast with what the first representative, a month before, told me when I tried to understand why I was receiving the {$200.00} in the first place. 

Not satisfied with the chat representative, a few days later I called American Express call center to have better information regarding the credit reversal. This time the representative after having heard my story concluded that I would have received the {$200.00} back, and apologized. 

Weeks went on, and I didn't see any {$200.00} back in my statement. During XX/XX/XXXX I called American Express again. This time the representative transfer the call to his advisor. He made clear, and sometime during the conversation, in rude and aggressive tone, that I was not going to receive the {$200.00} back. 

In conclusion, I think that the situation seems to be almost fraudulent. I receive a bonus of {$200.00} from American Express, a month before my renewal deadline. 
Because of that, I decide to renew for the second year paying {$190.00}, using the {$200.00} they gave me. 
And just a few days after the renewal they take the {$200.00} back, claiming that was a simple mistake. 

Something is wrong.
Consumer complaint received 2018-04-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (UT)

I have already filed a complaint and received their response. They are unwilling to work with us to repay the property taxes that they paid.

We have been working with an outside institution to try to obtain the funds required to stop the foreclosure.

I am very concerned that if I get what they say is needed they will have changed the amount and not notified us.

The Law Firm was unable to give an exact amount needed and it took several contacts with Ocwen to get someone to respond with an amount.

We are reaching the deadline and I want to make sure they have not changed the amount or the rules.

They sent letter dated XX/XX/2018 that the amount required to stop foreclosure was {$3100.00}.

Can you contact them on our behalf to make sure they are sticking to this amount because if they have changed this amount our attempts to obtain funding will be in vain and they did not notify us with a formal letter of any increases or changes and they would not have given us enough time for any adjustments.

If they did change any amounts due without notifying us would they not be in violation of the fair debt responsibility?

If possible can you contact them on our behalf and get back to us asap?

Ocwen Reverse Mortgage Servicing Dept Loan # XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  ( XXXX   ) XXXX XXXX
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises (SC)

Hello, I pulled my credit report for the first time in many years and found a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) is reporting a negative collection account to all three bureaus. I have never heard of this company nor have I ever entered into any agreements/contracts with them. The debt has been on my credit reports since XX/XX/2013 however this company never reached out to me to notify me of an alleged debt. The amount that they are  demanding is only {$50.00} however I have no recollection of this balance. I've read numerous negative comments about this company and their borderline illegal practices. Furthermore, the statute of limitations to collect on a medical debt in the state of SC is 3 years however they are still reporting this negative account that I do not own on my reports.
Consumer complaint received 2018-04-10
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: DISCOVER BANK (IA)

Discover Bank XXXX XXXX XXXX XXXX DE XXXX  Account : XXXX Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX   TERMS AND CONDITIONS OF DISPUTE 1 ) These accounts, opened in XX/XX/XXXX andXX/XX/XXXX commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXX thru XX/XX/XXXXtimeframe.

2 ) The address provided to and reported by Discover Bank is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) Discover Bank failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Discover Bank to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) XXXX XXXX  was living abroad at the time this account was created. It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Consumer complaint received 2018-05-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc. (PA)

I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.
Consumer complaint received 2018-05-24
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. (LA)

I submitted a fraud report to the three credit bureaus, XXXX, XXXX   and Transunion. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

Because my husband passed away onXX/XX/XXXX and because we had made an over-payment on our Discover account, I spoke with Discover mid-XX/XX/XXXX advising them to cancel account and to send a check for the credit amount of {$430.00}. I have called numerous times and they are in agreement that they owe me the {$430.00} amount, but still as ofXX/XX/XXXX have sent no check. They obviously are holding on to MY MONEY as long as possible.

Since they would have charged me interest, if I had owed them the money. They should rightly pay me 3 months interest on their late payment of my money that they are holding. Every phone call to Discover ends in them telling me that they will send the money, but I have yet to get a check.
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (MI)

On XX/XX/XXXX I mailed American credit acceptance a letter asking for them to validate and verify the debt that they are attempting to collect on, on my behalf I made them aware that it is against the law to report any invalidated or missing information to major credit bureaus and that it may constitute defamation of character on my credit report. They responded XX/XX/XXXX with a letter saying after they reviewed the payment history on my account innacurate information was reported to the credit reporting agency asking me to allow them 30 days to fix the problem which they haven't they included account payments that I made and a signed agreement but still left out important details such as I no longer have the vehicle and where the vehicle currently resides and what the vehicle was sold for if it was sold which should be deducted from the balance that they report I still owe. Which falls under the commercial reasonable sale law or paying the deficiency law either one this agency/creditor hasn't provided me with neither and was fully aware that they were reporting inaccurate and incorrectly which they admitted in writing and is against the law please have them removed this debt and account from all three credit bureaus.
Consumer complaint received 2018-05-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (MN)

XXXX til XXXX incurred debt wIth XXXX now known as Navient fro private student loans. XXXX XXXX and XXXX XXXX Tried to resolve issue today XX/XX/XXXX with Navient customer service rep in regards to private student loans. Navient rep stated to me that I owed {$150000.00} in private student loans and proceeded to give me the colleges and amount taken out. Which I wrote down for my information. He then stated that I have never made an attempt to make a payment when one of my co signers stated he did and it was taken care of. Navient rep proceeded to ask me why I never made payment and I told him why and he made a statement of we don't care and this a substantial amount you owe so all we want is our money and you need to pay {$250.00} per month. I told him I could not afford it at this time due to health issues and he basically told me he doesn't care nor does Navient, and Navient wants their money. He also made a statement of if you don't take care of this today and keep ignoring us you will have consequences and basically be put in a corner you will not like and have to abide by our rules. Remind you I called them today to try to resolve the issue. He the proceeded to tell me my cosigner will have to sign a waiver which he did not explain what it was for and also said cosigner will have to pay XXXX to resolve the issue then I can be put on a payment plan of {$250.00} per month. and that was the best he could do. He also insisted that I call my co signer. I asked him if there was any program that would assist me in paying them back and his answer was you have to make the {$250.00} payment you have no other choice. I did asked on multiple occasions during the phone call about the Navient programs with loan repayment and the rep ignored me and proceeded to threaten me. I did also ask him why I didn't see the private loans on my credit report and his answer was those are federal so it has nothing to do with us. He also lied to me, the borrower about requirements for releasing co-signers on their loans so I could take care of my loan with out explaining the details and leaving me in disarray and fear that I would be sued due to no compliance when I did ask about programs offered for lower income families. He was rude and adamant on me paying the $ XXXX/month and calling my co signer to pay the {$5800.00} before any one would help me out with my private loan. He then proceeded to threaten me again about not paying my loan and belittling me. I received no solution to the issue but threats and lies.
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

i have contacted them about reporting a debt of {$600.00} on my credit report and why and who are they and they state that i had account with them for a company named XXXX XXXX XXXX XXXX. i don't have a company call that nor do i own or run a company. i have sent all for there credit bureau numerous 609 letter to investigate this back in XXXX and they sent me back a paper stating it was a valid account i also sent them numerous 611 letters and still cant get anything showing that this account was indeed valid. i have been get threatened phone calls stating that i will be arrested and sued and there are going to continue damaging my credit report, they have humiliated me in every way possible by called my job and also my family letting them know about this situation.
Consumer complaint received 2018-05-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using XXXX XXXX, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and XXXX XXXX relieved me from debt, since it's public.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CT)

According to a XXXX XXXX with Continental Finance, the balance on my account ending in XXXX is XXXX as of XX/XX/XXXX, this is stated in her reply to a previous complaint regarding an unauthorized charge in the amount of XXXX .... She stated charge was credited back on same date, XX/XX/XXXX. However, a statement received most recently with a closing date of XX/XX/XXXX shows a balance of XXXX, which does not coincide with what she states. Due to account status, I am not able to log in to website to view activity/ balance information. There is an error on her part or on the statement, which was cut after XX/XX/XXXX. I need clarification as to the exact balance.
Consumer complaint received 2017-04-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I submitted a credit card application with Navy Federal Credit Union knowing that my chances of approval would be slim, due to credit history. I was n't surprised that I was denied when I received my adverse action letter however, the reason for denial felt discriminating. To my understanding if reason for denial was based off of credit history, it should have been specific what the decision was based off of. None of that was indicated, and I assumed that it was my bankruptcy on file that affected my chances. If so, that still was n't the case. Regardless of the reason, consumers should be aware of the specifics of denial. This would alert consumers of ANY negative reporting that causes a huge impact on their credit. A possibility of something a consumer is n't aware of ; which would then be considered fraudulent activity. 

The reason for my DENIAL is stated below : ** YOU CAUSED NAVY FEDERAL A LOSS ** This is NOT a legitimate reason for myself as a consumer. There are so many regulations in place regarding consumer rights and protection, yet many consumers need to take actions themselves because certain regulations are n't being followed.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

Received letter from HUNTER WARFIELD debt collector XX/XX/XXXX saying owed over 3500.00, called and spoke to XXXX who stated I need to file id theft with FTC and submit along with id copy, police report number etc. as I never rented any property, letter had address of XXXX XXXX and he supplied a XXXX XXXX address, both of which have no idea what is and he stated for past due rents/fees and I advised have never rented and do not know what addresses are. 
XX/XX/XXXX, Received another letter, without all info requested per FTC, only a copy of a lease agreement from a XXXX, with several people listed along with name same as mine only different middle name! They could see as inquired on credit, sent id etc, that is not me, yet still want me to pay a debt for these renters unknown to me and obviously not me.
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Global Media, Inc. (CA)

I applied for a loan online middle ofXX/XX/XXXX I was contacted by XXXX and I was approved they sent me {$200.00} they wanted me to get a gift card and give them the info back I did then they told me their computers went down I needed we did it the next day sign a check for {$970.00} did the same thing then they pulled the checks now I get texts from them
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (FL)

SOUTHERN MANAGEMENT SYSTEMS IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank refuses to give money back that was taken from my account fraudulently. 
On XX/XX/XXXX, my wallet was stolen after shopping for groceries at the XXXX near my home on XXXX and XXXX, XXXX XXXX. Several of my credit and debit cards were compromised. While one financial institution notified me by text within minutes of someone using my card, I was unable to contact TD bank for over an hour. I filed a police report immediately. 
I ultimately had my drivers license replaced and had a Fraud Notification placed through the three credit agencies. All of my banks refunded the monies except TD Bank. 
I have been a customer of TD Bank since I moved from XXXX in XX/XX/XXXX. 
All of my payroll checks have been direct deposited into my account, totaling over $ 200K.  There is no emergency number to contact if a card is lost or stolen and I have given no reason to suspect that I committed a fraud. I have never even bounced a check. I am a XXXX   XXXX XXXX! .I would appreciate any help in having my money returned. I am a single working Grandmother of XXXX and can not afford a {$610.00} loss. 
I have provided a copy of the police report, copies of letters indicating fraud from my other financial institutions and my wallet was found by the side of the road by police, several weeks later, and given to a TD bank teller at a different location. ( See attachments ) Still TD bank refuses to return my money.