davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

I was contacted by XXXX ( XXXX ) that I was delinquent on some payments. I contacted and paid them what they requested. There was an issue with some paperwork or processing and they sent it to collections Transworld Systems Inc. ( TSI ). When TSI notified me that they now held my account I called XXXX to verify. They apologized and said they would take care of it and that my account with them would still be active. To avoid any further problems I paid my account balance off with them. ( {$5000.00} ). I have the email chain from XXXX, have received confirmation that I am in good standing with them. Fast forward three weeks following payment I get a bill from TSI for XXXX. There is a disconnect somewhere, however not between TSI and my credit report. I 've sent them all documents they have asked and they still will not remove me from there collection.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

My previous apartment complex used falsed dates in an attempt to collect money that i did not owe. The complex filled out a statement with the managers signature and date saying i did not owe them anything and then filed for collection 7 months later. I knew nothing about a debt until i received a letter in the mail in XXXX of this year. I was told by the collection agency that if i faxed over the paper from the apartment manger saying that i did not owe when we moved out then they would use that to dispute the said debt. After doing what was asked, they repeatedly said they didnt recieve it and were very rude and said that if i did not pay they would mark it as refusal to pay. When i went to talk to the apartment manager at the complex that says we owe for weeks she gave me different responses and even told me to come back for pictures of proof which needless to she eventually could not find. I still have the move out statement that was submitted to the agency with dates like XXXX XXXX which doesnt even exist. And i also have the letter saying i did not owe. This debt is false.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (OH)

This has been a 3 month issue and after three attempts to to resolve the issue in the most conservative manner possible I am not sure what else to do. I have been repeatedly told contradicting information by American Express, the individuals I have spoken with over the phone and online continually misrepresent what I need to do to get the issue resolved, they refuse to escalate the issue and find out why I am continually getting the run around. They state each time I inquire that they will reach out to me if there is any need for clarification and when they resolve the issue they will call or email me. I have never been contacted via email or phone and my attempts for clarification are met with indifference. The best they have done is to send me vague letters saying they side with the repair shop. 

XX/XX/XXXX I payed for auto repairs with my American Express card. The company that I had do the work damaged my car making it unsafe to drive ( randomly stalls, suspension improperly installed causes altered handling, and the exhaust was not installed correctly and has a loud exhaust leak ) and did not return my car on time so I filed a complaint with American Express to pull back the funds. They said that I need to provide documentation from a third party mechanic showing that the work was not done correctly and then they would pull the funds back. I took my car to a third party mechanic who validated all of the claims I made and I sent them a pdf copy of the result. The mechanic even states on the document to call him if there are any questions. American Express said that there claims department reviewed the issue and sided the with car repair shop because I did not give them documentation. Because of a failed first attempt I resubmitted the claim and this time when I asked about the the documentation I submitted they were unaware I had submitted the documents, so I again submitted the information. Again they resolved the case and said there was not evidence that there had been an issue with my car. On the third attempt I sent them photographic evidence ( the images have dated time stamps ) in addition to the letter from my mechanic and again they state they do not have evidence of an issue with my car. 

Because I have patiently followed their instructions three times providing the exact documentation they ask for yet they will not follow through on what they say they will do I am writing to make a formal complaint.
Consumer complaint received 2016-08-04
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (CA)

I HAVE BEEN ATTEMPTING TO SELL MY PROPERTY AND MY AGENT HAS BEEN SPEAKING WITH THEM AND THEY INITIALLY HAD STATED THAT THEY WOULD POSTPONE THE SALE DATE BECAUSE WE HAD A SOLID OFFER. TODAY WHEN MY AGENT SPOKE WITH THEM, A XXXX ADVISED HIM THAT THEY ARE NOT GOING TO POSTPONE THE SALE AFTER ALL. HOW CAN THIS HAPPEN? I WANT TO AVOID FORECLOSURE AT ALL COSTS. THEY WERE WORKING WITH ME IN THE BEGINNING AND NOW THEY ARE NOT WILLING TO. I AM HOPING THAT YOU CAN HELP ME STOP IT. THE SALE DATE IS SCHEDULED FOR MONDAY XXXX XXXX. PLEASE HELP.
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Date opened :XX/XX/XXXX Date reported : XX/XX/XXXX Delinquency first reported XX/XX/XXXX Amount : {$1000.00}
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: American Coradius International LLC (NJ)

American Coradius International LLC ( ACI ) has been attempting to collect XXXX USD on behalf of XXXX. since I received a notice on XX/XX/2017. The notice I received from ACI was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from ACI stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to ACI, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor XXXX ( emails attached showing XXXX notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they ACI cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that ACI only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to ACI at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by USPS Tracking. According to USPS Tracking, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX from ACI XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX from American Coradius International. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has ACI continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (VA)

I received an email notification from American Express credit line determination department, stating that there had been a change to my credit limit. When I opened the email the information stated AMEX had decided to lower my credit limit by {$3000.00}, from approximately {$9000.00} to {$6000.00}, thus placing the card which already had a {$6000.00} balance on it into a maxed-out credit card position. They advised me to call if I had questions, no explanation was given in that email. I called and spoke to the XXXX different individuals, a regular representative, a credit line representative and their supervisor. I was told by all XXXX that they made the determination based off of XXXX late payments. To my knowledge all under 30-day lates. I should mention, I am a retired XXXX veteran, and I am a full-time student, which caused my 10-day late payments as I 'm on an extremely tight income. Notwithstanding, I paid my bill in XXXX and I paid XXXX 's bill on the XXXX. To my knowledge, I was only 10-days late on those payments, not XXXX, XXXX or 90-day late payments. The AMEX representatives told me that the reason for their actions were because they opened up an investigation on my account ( again without my knowledge ), pulled my XXXX score and credit report ( also, unbeknown to me ), and made this determination without forewarning or notification. To my knowledge, I had not received any form of notification that they were even considering these drastic of actions neither in writing or by phone. Also, to my knowledge, I was n't afforded any of the protections under the Truth in Lending Act, specifically Credit Card Act of XXXX, where companies are required to notify the customer in writing if they are going to impact the customer 's credit, pull credit scores without the consumer 's expressed permission, change the terms of the agreement, which ultimately adversely impacts the consumer. All of these apply to my situation. An AMEX representative told me that the only way my credit line could be reinstitute, thus pulling me out of a maxed-out credit card position would be to give them my bank account information, my XXXX, all other sources of income and all savings and government pensions I may be receiving. Specifically, Proof of Income, Proof of Financial Assets, all sources of employment, OR, give them {$3500.00} by XXXX XXXX to have my credit line and thus credit restored.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

On XXXX/XXXX/XXXX I made contact with Jefferson Capital LLC located at XXXX, MN XXXX regarding a collections account that they are reporting to my credit report. I spoke with a representative named XXXX with ID # of XXXX, after explaining that the account they are attempting to collect on was opened in XXXX and closed in XXXX ( Jefferson Capital LLC is reporting the account was opened in XXXX ) I questioned why it shows it was opened in XXXX. XXXX informed me that XXXX is when they recieved the file and could report that date legally. I then asked if they report the file being opened in XXXX that would mean it would stay on my credit report until XXXX instead of XXXX ( if showed reporting from XXXX ). She then told me that I was correct and it will continue to show as a new account from XXXX then would remain until XXXX. When I advice her that I think that is illegal she told me it can be done because that is when they received the account. If this was the case and a new company bought the debt from Jefferson Capital LLC and placed a new open date, the debt would never be removed from my credit report.
Consumer complaint received 2016-09-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (MA)

I have been offered 0 % interest for a limited time on purchases with XXXX of my credit cards. They are telling me that the interest rate will go up on these purchases when the 0 % offer ends. I have always thought that the new interest rate would only apply on purchases GOING FORWARD from that date, but not on existing balances generated during a promotional interest rate period, and that to raise the interest rate on those purchases is illegal. You do not include talking to your US Congress representation in your list below of actions to take, but I intend to talk to my Senators ' and Rep 's offices.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I got a debt collection letter from I.Q. Data International, Inc dated XXXX, 2017 regarding a debt that I owe to my previous landlord. This was the first time I learned about the debt, never received a bill from the landlord ( original creditor ). 

On XXXX I faxed and mailed a letter to I.Q. to dispute the charges, cease any communications to collect the debt and provide evidence for the debt. 

But on XXXX I received a call from I.Q. that I did not answer at first. Then I called back to ask why I was being called. I was forwarded to a customer rep who was responsible for handling my debt collection. I notified him that I 'm disputing the charges and would like more information and evidence on the debt. The rep asked for an email to forward the information. I gave him the email and told him that I 'll look over the information to verify the debt, but can not do it right now because I 'm busy. The rep got aggressive at this point and told me, " You 're trying to blow me off '' and that I just refuse to settle with them. Then he threatened to forward the debt to credit bureau agencies right away to coerce me to settle at the spot. I asked him if he 's not willing to email me the information then he can mail. He became totally dismissive at this point and put me on hold. I had no option other than to hang up at this point.
Consumer complaint received 2016-06-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a CitiGold Bank Account in XXXX 2016 and I opened it because of a promotional offer from Citibank for XXXX XXXX XXXX points. I received via e-mail a PDF letter from SXXXX on XXXX XXXX, 2016 specifically stating that the promotion was attached to my account and that I need to complete the the terms that required spending {$1000.00}. on my account 's debit card and XXXX or more online bill pays for 2 consecutive months. Further it stated that " Once you meet the above terms and conditions, please allow 90 days ... '' ( letter is attached ) the XXXX XXXX XXXX would be placed in my XXXX XXXX account. I did everything that was required in the letter and I did not receive the miles. I sent an e-mail via their website 's secure message system inquiring about where my miles were and they sent me an email back saying that I was n't eligible and they are refusing to put the miles in my account! A quick internet search is showing that this is happening to a lot of people and, in my opinion, Citibank is being dishonest. In the meantime, they are charging me {$30.00} a month for this checking account.
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (AZ)

On XXXX/XXXX/XXXX I went to XXXX Medical Center for a XXXX. I stayed in the hospital overnight. A few weeks later the bills started rolling in and I agreed to pay the remaining {$1000.00} after insurance was collected. XXXX began billing me and each statement was different after agreeing to a monthly {$100.00} payment. I paid {$100.00} on XXXX/XXXX/XXXX and waited for the next month statement. On XXXX/XXXX/XXXX the statement was for {$2200.00} and I contacted both the hospital and my insurance. The insurance called XXXX and they agreed that there was an error and they would send correct statement. On XXXX/XXXX/XXXX I got another statement for {$2200.00}. I again called the hospital and insurance and the insurance contacted XXXX and again they said they erred and would send correct statement. On XXXX/XXXX/XXXX I got a letter from debt agency indicating I was sent to collections. I have a credit score of XXXX. I called XXXX again on XXXX/XXXX/XXXX and asked what was going on and they said it was my responsibility to pay and I explained how they were sending me wrong statement amounts and that I would have gladly paid the {$100.00} a month if they did their part and statement showed correct balance. 

I hope you can help me with this, I have no issues paying the monthly or even full balance if I could get someone there to understand how they erred and I should not be taken to collections for something out of my control. I always get a different supervisor with different answers on how all of this was my fault even though I set up a payment plan and they failed to bill me.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I have been in the process of a loan modification with Ocwen Loan Servicing for about 2 years. I keep submitting application packets with all the documents requested by mail, e-mail, and fax all this time. I send one packet and Ocwen states it already expired and need to do a new one again and that some documents have been missing. I asked myself if all the documents requested were mailed and e-mailed in the packet, how is that possible that you can find some documents and not others. Lately I have been calling like every other day to make sure they receive documents requested and they never receive it or they tell me you need XXXX documents so that we can close the modification and when I called back in 1-2 days they tell me that it was not those XXXX documents, that I need XXXX different new ones. We have a Dual Tracking Issue here. They keep extending the time, every time more and more so that they can have enough time and foreclose in my house. I already had a sale date back on XX/XX/XXXX which they cancel few days before. Now they have a sale date on XXXX/XXXX/16. Of course this is what they want, for me to loose the house because it is their best interest not mine. They have not helped me at all to get a modification. My intentions is to keep my house, which I purchase 16 years ago. Sometimes unexpected things happen in life, such as divorce, illness, caring of an ill person, death of a loved one, unemployment, like happened to me in the past 5 years and now a bank that is lying saying that I am not submitting the documents requested because they want to stay with my house to sell and benefit from it. They continue to give me a hard time and do not want to work with me on saving my house. Thanks anticipated for all the help you can give me.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

On XXXX/XXXX/2016 I received a notice from Convergent collection agency stating I owe XXXX {$190.00}. I do not owe that debt and have received a statement from XXXX stating No Payment Due.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TCF NATIONAL BANK (IL)

I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( {$190.00} ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of {$190.00} to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I would wait another week. I was not given all the information, and was very frustrated because I am needing that money for food and gas. The merchant claims to have given back the money on XX/XX/XXXX and they e-mailed me that information, but my bank has no record of it. Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (PA)

My mortgage is in foreclosure because I was laid off from my job over a year ago. I now have a new job plus I will be back at my old job come XX/XX/XXXX. I was originally slated to go back to my old job XX/XX/XXXX but due to funding it was pushed back to XX/XX/XXXX as that is when the new funding cycle starts. I do have a job that I started on XX/XX/XXXX on a year employment contract with another client. Unfortunately the mortgage company has been extremely difficult and refuses to acknowledge my other form of income. My current employment contract was sent to them on XX/XX/XXXX via XXXX, the counseling center I am working with. Instead of them looking at the paper work from the stand point that come XX/XX/XXXX I will have XXXX jobs. They are trying hard to push this foreclosure through so that they can take my home. Mind you the payments are fairly low so with just my new job I can pay the mortgage and they know this. 
We have been diligently trying to work with PNC Mortgage to rectify this matter but I sincerely believe that they are engaging in scrupulous mortgage practices to try to take my home because of the equity that is in it. I have had this home for almost twenty years and have finally gotten to the point where I no longer have to pay interest and all the payments were going straight to pay off the principle balance.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.