davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was approached though repeated phone calls for almost a year to refinance my home from Fifth Third Bank. I was initially offered a " special '' refinance product that would quickly and easily drop a percentage point from our present loan with them. After collecting information I was presented with a " better '' option to refinance both my primary and secondary mortgage with substantial savings. I did pursue this option. After signing " loan lock-in '' forms, the time expired. There was no delay in the process on my part, but on the part of Fifth Third bank. I was sent another " loan lock-in '' form post expiration of the initial forms. This new agreement had percentage points and other costs added, which would have amounted to thousands of dollars of added costs for the loan. The interest rate had not changed though and no contact or explanation was given as to the added costs. I believe that most people would not have noticed the added costs seemingly hidden or buried in the paperwork. My opinion is that Fifth Third bank preys on unsuspecting borrowers using tactics such as " bait and switch '' and " shell game '' tactics to entice borrowers, then increasing loan points and costs to the borrower without explanation. This seems to me a dishonest business practice. My wife and I have walked away from borrowing from Fifth Third for the reasons stated. I feel their practice may prey on less educated and other at risk borrowers. The public should be protected from such practices.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (AZ)

I returned merchandise to the XXXX XXXX for a refund over 30 days ago. I still have not received a full refund and when you check the credit card statements, you can see where the credit was applied to the account and then taken back on the same day. There are about XXXX cherges that have not received a matching refund from XX/XX/XXXX to the present. I have reported this to Merchant Disputes but I still can not get any solid answers as to what is going on. I am trying to determine if the credits on my account are : 1 ) correctly reported from XXXX and 2 ) if the credits that were taken away from me were taken away by XXXX or my credit card comany as a re-billing for fraudulent reasons.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MI)

My fiancee lost his job, and we have been reduced to one income. I have tried to set-up payment arrangements, several times, via email. I work full-time, and also own a bookkeeping business on the side, and do not have time to sit on the phone to for a half hour to try and talk with a customer service representative. My first time I reached out to Sears/Citibank letting them know I was having issues paying my bill was XXXX. It is now XXXX, and after several emails asking for someone to respond back to me via email ( and explaining my busy schedule situation ), I 'm now in collections and getting phone calls every two hours literally every day. The phone calls are automated and are never from an actual person. This is absolutely ridiculous and not professional. I am extremely frustrated that even when I did email about wanting to work out a payment plan I even got automated responses back to my emails. Sears/Citibank customer service seemed like they did n't want to work with me in regards to a payment plan, and/or my extremely busy schedule. They did not offer any option to work out my debt except to call them, which I told them SEVERAL times did not work for me. I am now in collections, my credit score is dropping, and I am NOT HAPPY! Sears/Citibank 's website even says there are payment arrangements available, but when I look for them on the site, they are n't there!
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Alorica Inc. (MA)

XXXX XXXX recently went out of business and now claims the new servicing partner is a company called SST. SST is not an accredited business and it is asking me to make a new account at a higher interest rate. This is grossly negligent to the consumer.
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I had a car loan with 5/3rd Bank which they sent me booklets for 72 monthly payments which I paid on time without missing any payments. The last payment in the last book ( # 72 ) stated " This is your last payment '' so I believed the car was paid off as anyone would. I expected to hear from the bank with my title information but never did. Today I got a call at work from a repossession company stating my car was listed for repossession by 5/3 Bank for nonpayment of my car loan. I explained to them that my car had been paid off since XXXX 2016. Thankfully, they understood that there was a problem with the bank and asked me to contact them directly and were polite enough to give me the account and contact information that I would need. I called the bank and they claimed to not have my address to contact me although there has been no communication from the bank since I received the payment books 6 years ago. During this time my address was the same until I sold my house XX/XX/XXXX. The US Postal service still forwards mail and no contact was made to me to discuss additional payments that were not included in the payment booklets. They claimed over the phone that I owed the last 3 payments of a 75 month payment plan. I do not recall agreeing to 75 months but they claimed they had a signed contract from me for that period. They quoted this to me without proof, without sending me the paperwork, or giving me notice that anything was late. I did not have this contract with me to review and was required to pay regardless of whether this was true or not because they had already placed a repossession order on my car. I questioned them why send only 72 months in payments and say " This is your last payment '' in the payment book on 72 when they expected 75 and got no answer. It was not a matter of not being able to pay for it. I paid over {$1300.00} instantly today to avoid the car being repossessed fraudulently. As shown in my payment history, I could have and would have paid the payments had the bank not sent a 72 month payment booklet saying the loan payments were complete when they claim more payments were due. I now have late payments claimed on my credit history that I consider fraudulent. Why would a bank send payment booklets with less payments than the loan requires? When questioned about this, the bank would not answer. When questioned why nothing was mailed to notify me of their claimed missing payments they claimed they did not have my address. As stated before, they had my address up until the last payment was mailed and the US Postal service continues to forward mail for XXXX customers. If they had mad any attempt to contact me concerning missing payments, they would have been received and dealt with immediately. I feel that this was a deliberate attempt by the bank to mislead a customer and obtain additional funds.
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One made a decision about my credit that is obviously incorrect. I attempted to contact them multiple times through their website and customer service lines for assistance, and the only response I got was a suggestion that I open another credit card with them. I wrote a letter directly to their complaint department and still have received no follow up. Capital One 's policy to ignore complaints and hope they go away is not appropriate.
Consumer complaint received 2017-01-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-07-21
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent {$100.00} to a relative using MoneyGram XXXX/XXXX/2016. I received an email with the Reference # XXXX. The cost of their service was {$12.00} and I approved of this cost. I noticed today an additional {$2.00} fee is being charged to my credit card which I was not made aware of, nor did I approve of this extra fee. The receiver was told that the money was not available because the sender needed to verify information. I never received any message regarding the transaction was not complete, instead I received an email telling me to notify the receiver with the reference number.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Citibank sent me a mail promotion for XXXX for opening a Citigold account and satisfying some criteria. The Citigold account had to be funded with {$50000.00} and also has monthly fees - I have satisfied all of their requirements including opening the account, funding it, paying fees, getting a debit card and spending {$1000.00} on it and doing online bill payments for 2 consecutive months. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles
Consumer complaint received 2024-09-23
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 (CA)

I can not spend the small amount of {$5.00} left as I have nothing that small and exact I am purchasing and everywhere I go they do not do split payments so asking Amex to cash out
Consumer complaint received 2016-07-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NC)

I keep my credit scores on very close watch and was notified my scores fell below XXXX this morning because of a collection. I have XXXX collections on my reports. I pay all my bills and keep my credit very clean because it is the lifeline to owning things in life. I have documentation from my doctor office showing my balance is XXXX and this company is reporting false information in direct violation of the very laws that are supposed to protect me listed in the FCRA. I have asked this company to immediately remove these items and also requested no further contact XXXX Please help me get this company to remove this false information from my report and discontinue calling my home
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These hard inquiries are frandulent and does not belong to me. I did not authorize this inquiries and have no record of requesting or applying for any credit or services from these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Recoveries, Inc. (AR)

XXXX XXXX closed down for false practices, misleading their students, and making false promises with helping find a job in the industry after you graduate. XXXX XXXX was a for profit college. Six months after graduating, XXXX XXXX began calling me and asking for {$800.00} and to begin repaying my student loans. There was no way I could afford that and make my rent payments. I began to struggle with these payments and began looking for alternative options. I ended up consolidating my student loans, so that I can afford to make my monthly payments. After that, I began to get calls from XXXX XXXX and the agents would refuse to lower my monthly payment and advised me to get a " Better '' job, so that I can meet these payments. I believe this conversation along with all conversations are recorded. XXXX XXXX called my parents, due to them being Co-signers of my student loans and harassed them. They would continuously call my parents at all hours of the day to harass them for payments. One agent even told my parents, if they did n't make a payment, they could take away their house. Obviously, my parents got scared and my mother called me crying that day. 
When it became XXXX, I then setup an auto pay with them. They had agreed to a semi reasonable monthly payment - around $ XXXX ( do n't really recall ). Then one month they took more money from my account ( around {$800.00} ) leaving me to scatter around to make my rent payment. Since then, I could no longer trust them and cancelled my auto-payment. 
My student loans have crippled my credit and I was even denied when applying for an Apartment. I do n't qualify to purchase a house because of my crippled credit, therefore living in an apartment is my only option. However, it makes it difficult to even do that due to my student loans ruining my credit. I have proven documentation of being denied because of my student loans, they show as a " Debt '' not as a student loan. At this time, they are garnishing my wages and I am currently in a rehabilitation program in which consists of giving them an extra {$270.00}. My students loans were with XXXX XXXX, which later became XXXX. I 'm am not sure of the exact details, however XXXX sold my student loans to National Recoveries Inc. 
Overall I am giving them around {$500.00} per month, in which I can not afford, however I am making it work and cutting my budget to make ends meet. With all these late/accrued interests, I will forever be paying these loans. It does n't seem fair at all.
Consumer complaint received 2016-09-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have disputed with the credit reporting agencies that they have not only my daughters addresses listed with my credit report, but also a woman who happens to have the exact same name as me. NOT THE SAME SOCIAL SECURITY NUMBERS. How can I have this information corrected? Because of this, there is a judgement against me for someone else, not my daughter, but someone else. I now can not get any credit for anything. This has been a long 25 or 30 years of identity theft!!! No one seems to give a XXXX. I am not going to pay someone elses debts!! I 'm XXXX XXXX XXXX!!! Can you help at all????
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA has charged a significant amount of over drafts and returned item fees without providing any clear disclosure of how and why they are charged. 

USAA cut off access to USAA.com via a computer which is the only way to access accounts unless you use a mobile phone or go to a branch. There are no USAA branches in my area. 

I feel that this is unfair treatment.
Consumer complaint received 2016-11-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

They went into my checking account with no authorization after I paid them once and took additional money they took ; XXXX XXXX XXXX XXXX XXXX all on XX/XX/2016
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gatestone & Co. International Inc. (GA)

XXXX XXXX we were moving to XXXX from Fl. and we were trying to set up XXXX XXXX XXXX XXXX while traveling back and forth. First we were told that we could not get XXXX and just ordered a phone from a XXXX and/or XXXX in XXXX XXXX ( XXXX ) to be installed on XXXX/XXXX/XXXX and we picked the number ( XXXX ) XXXX. XXXX or XXXX called back the same day and said that we would be able to get phone, internet and XXXX, but that by getting the combined package the number we picked would go away and the installer would give us a number upon installation. The new number that was installed is ( XXXX ) XXXX and we have paid for that number every month since installation. We received a bill dated XXXX XXXX, XXXX for {$68.00} for the number not installed. Called customer service, got XXXX ( ID XXXX ) in the XXXX and he stated to disregard. Between then and now we have also spoken with XXXX ID XXXX in XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and she said it shows no service for that number and will send to a supervisor to cancel and would call back-no return call came-the bill has escalated to {$160.00} and for some strange reason late charges and long distance credit removed and the last bill we received was {$140.00}. We also contacted XXXX ( XXXX ) XXXX ) ID XXXX on XXXX/XXXX/XXXX who again cancelled everything, but the bill came again with a threat of collection company and reporting to the credit bureau which could damage our credit rating. I posted a comment on XXXX & XXXX XXXX page in early to mid XXXX and shortly thereafter XXXX called and said to give her to Saturday to get it taken care of. We have n't heard from XXXX since. 
On XXXX/XXXX/XXXX we received a call from Gatestone XXXX XXXX ( XXXX ) and we explained the bill was bogus and they should never call us again.
Consumer complaint received 2016-07-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : PRA I would like to dispute the following item on my credit reports : XXXX and XXXX XXXX Portfolio Recovery XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to XXXX of {$600.00} as payment as XXXX requested. There was not notice by either party at that time the account was sold or transferred. PRA placed additional charges on the XXXX Balance placing demands after payment was made and forward to XXXX. I contacted PRA and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a PRA manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by PRA. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the XXXX XXXX. Also the Credit Union states the Cashier Check shows payment / cashing by PRA 1. XXXX : Charge Off : # XXXX ( Reporting ) Not PAID 2. PRA : Charge Off / Dispute payment was made prior to reporting being made to the 3 Bureaus : XXXXXXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (ID)

I had an account with us bank with my insurance payment being automatically deducted. I cancelled my insurance because I had I got a job that offered insurance. I also changed banks but did not close my US Bank account as I wanted to make sure everything was setup with my new account first ( bill pay, direct deposit, ect. ). Unfortunately I did not close my account and stopped paying attention to the US bank account. Due to a mistake by XXXX XXXX of Idaho they continued to bill my US bank account for 4 more months. A few months later when I finally realized what had happened I called US bank to see what I needed to do to resolve this issue. Us bank said they wanted XXXX check for every withdrawal and they still would not reverse any overdraft fees associated with the charges. I have been working with XXXX to get the money back but in the process US bank sent me to collections. My problem is that US bank charged me over XXXX in overdraft fees, extended overdraft fees and account closure fees. The ability for a bank to charge {$25.00} a week in extended overdraft fees for 6 weeks and {$36.00} for an overdraft fee on a XXXX overdraft is more then excessive. Now the bank says they can not do anything about it because is was sent to collections already. I have talked to multiple departments and even filed a complaint all the time being told there is nothing they can do to fix it.