davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-15
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (MO)

I cancelled the card because I was getting unauthorized Charges, I called Netspend and asked for a new card, I got the card and called to activate, I was told that I had negative {$1.00} and was told that I had not used the card in 180 days ... .Got a new card XXXX I called XXXX/XXXX/XXXX to activate and was told that I have a negative {$45.00} this time from XXXX XXXX, who I have no clue to why I would have a charge. If I have not used the card in 180 days and the card is not activated, how can someone charge to the card, I called and asked for a Supervisor 2 times and each time I was left on hold for 25 to 40 minutes I was also told that the XXXX charge is from XXXX
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance. 

Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances. 
While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

Had An Account With XXXX A Few Years Ago But I Changed My Mind And Decided To Close This Account Like With In 30 Days! I Paid All My Balance Owed On This Account At That Time! Now A Few Years Later Their Trying To Collect The Amount Of {$39.00} From Me And It Shows On My Credit Report That The Account Is Open??! This Is All Wrong!!! Have n't Heard From Them In Two Years And Now Their Trying To Collect Something I Do Not Owe!!!!
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (WI)

A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office. 

I contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI. 

I wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX. 

I 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by me.
Consumer complaint received 2015-04-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I had linked my newly established XXXX account debit card with my Wells Fargo bank account. I was under the impression that I had opted out of any overdraft protection " courtesy '' programs with Wells Fargo ; therefore, any transaction resulting in funds being overdrawn would be declined, which should apply to drafts initiated by XXXX as well when insufficient funds were available. 

I came to find out that Wells Fargo repeatedly allowed these transactions from XXXX to go through and charged the typical overdraft fee of {$35.00} each time. They simply changed the terminology for the type of transaction this constituted, although by definition and consequence enacted on my account ( same {$35.00} fee assessed on each accepted draft of an account bearing insufficient funds ) this is precisely an overdraft fee that Wells Fargo covertly branded as something else in order to justify the procedure ; however, I was never informed of this new practice nor would have agreed, as I opened my account, like I mentioned, under the notion that these fees would not and could not be charged. 
Upon reviewing the terms they have listed for all types of checking accounts, I do not see this expression used anywhere. As I recall, the bank employee I spoke with referred to it as something along the lines of a reverse payment. 

They can call it whatever they want, but unless they are admitting that they are engaging in bait and switch tactics and lack the legal and ethical standards that any banking institution, especially of their stature, would uphold-however optimistic a view this may be in today 's economic climate considering that the bordering on fraudulent and deceitful practices of these banks are commonplace, which in no way should excuse them. 
Part and parcel, this is an overdraft fee, wrongfully and connivingly instituted by the bank clearly illustrating a full-fledged violation of the contract between myself and Wells Fargo which eliminated the chance incurring overdraft fees in any of my accounts. As per their claim that this constitutes a mitigating courtesy they provide, I would like to know who defines courtesy or, moreover, for whom this trulyis a favor, as without my consent or permission, the beneficiary is only the bank.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX XXXX and XXXX XXXX, 2015, I accidentally made duplicate payments on my account. The duplicate payment was applied to my Pay Over Time balance. After some difficulty, I was finally able to have XXXX payment reversed. However, the reversed payment was added to my minimum balance due XXXX XXXX, 2015, meaning that the payment was never really reversed ( now I 'm expected to repay the payment by XXXX XXXX ).
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX account XXXX seems to be reporting the wrong date opened for the account and the credit account is reporting and re-aging serveral times on my Transunion report. It was a XXXX account XXXX which became a XXXX XXXX Account XXXX which became a XXXX Account .Its seems the same account is being reported XXXX different times on my report. XXXX XXXX is refusing to answer my complaint or change the re-aging or fully investigate. When accounts are duplicated they should be removed from my credit report. Requested a validation of debt also.
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (OH)

I paid my credit card payment at XXXX on due date XXXX XXXX 2015. The summary said payment was madeXXXX and will post on XXXX XXXX 2015. Barclay credit card has a cut off time of XXXX for payments. All of my other credit cards have a XXXX cut off and this is hard to remember. My statement arrived and has a late fee of {$37.00}. I called Barclay and ask for a refund. They said the payment was made at XXXX and refused to give me a refund. This is ridiculous that I have to pay a late fee for XXXX minutes over. I am requesting that fee to be refunded. The late fee was posted XXXX XXXX the due date.
Consumer complaint received 2016-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (VA)

I paid {$1500.00} but I only owed {$1300.00}. I called the original creditor to tell them that I overpaid ; they informed me that the debt had been sold and to contact Frontline Asset Strategies about a refund. I was given the name and number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After numerous calls and messages, XXXX XXXX will not return my calls and this company is not doing anything to refund me my overpaid balance.
Consumer complaint received 2015-04-23
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Certegy XXXX XXXX has a file of my name and an account with a business that I have been informing them since XX/XX/XXXX that account was under fraud and not mine but still they did nothing to resolve this but hold this account to my name and lowered my credit score each month for an account that is not mine. I contacted them today XXXX they now state I owe XXXX and they are charging me XXXX for check return fee, the account was found to to now be mine from the start, so why have they not removed this account and so I am asking for help on having this removed they have taken from my credit score for over 7 years now.
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC (FL)

I was never contacted about this debt on my own personal phone, they contacted my brother, mother and sister in law, and spoke to them all about why they were calling, all gave them my cell phone number to call, instead they called my work and talked with my boss about what they claim they are going to take me to court for if I do not and stated that they were going to fax my boss over some documentation that I would need to fill out and send back to them. Never once speaking to me.
Consumer complaint received 2015-07-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

We are facing foreclosure auction of our home of 26 years on XXXX XXXX, XXXX. Just a few days away. We have hired Attorney XXXX XXXX to file an injunction and a complaint against XXXX XXXX, Ocwen & XXXX XXXX. We have been fighting them since XXXX. We have absolute evidence they have no interest or standing in our mortgage /loan. They are not the original lender. They have filed for an illegal foreclosure XXXX times. They have charged us for illegal forced placed insurance and 13 % interest. Refuse to modify and constantly give us the run around. They have tried to have XXXX auctions regarding our home since XXXX XXXX. All postponed at the very last minute without the injunction being decided. They have a XXXX party trespass onto our property taking photos and trying to look into windows. We live in fear and terror every day. We are afraid to leave our home i fear they will break in. 
The injunction was denied last week. Attorney XXXX states there is nothing he can do to stop the auction, even though we have an active complaint. We may be forced to file ch.XXXX to try to prevent the auction. 
This loan is a high cost predatory loan. We lost a rescission case in XXXX. Had not heard from Ocwen / XXXX for 3 years after that. They filed the order of notice in XXXX of XXXX. We filed our complaint that same month. 
We are beyond stressed not knowing how we will survive. 
The courts are absolutely biased against the homeowner. They do n't want to hear the facts. They just rubberstamp the forclosures. 
We are not trying to get a " free Home ''. We had job loss and illness which caused us to fall behind in payments. Our home is valued at XXXX and the loan was orig. XXXX. 
There is equity. 
Any help would be greatly appreciated to guide us through this nightmare. 
We know we are not alone in this injustice. 
Thank you for any guidance.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Altisource Portfolio Solutions, S.à r.l. (NY)

I ordered a pest removal service from terminix XX/XX/2015. The service I requested consisted of spraying the entire inside of the house, as well as removal of a beehive attached to the outside of the house. The problem is, the service was never provided. A representative of the company came and after seeing the beehive, he said he would be back later that evening, though he never returned. 
I called XXXX to find out what happened, and was told they saw it was not completed but would reschedule an appointment for the following weekend. i agreed, waited all day on the agreed upon day only to have nobody show up at all. I called the next day, and XXXX apologized for wasting my day waiting, and offered to schedule another date for their representative to come perform the services. They did n't show up to the rescheduled date either, nor did they show up for the next XXXX rescheduled appointments either. Each time I was apologized to but no explanation was given. After all of these missed appointments, and wasted time, I called another exterminator and he performed all of the services needed. 
i saw that XXXX charged my credit card and called to ask why they had done that if they never performed service. They apologized and assured me they would refund me and correct the error. they never did, so i called my credit card company and had the charge reversed. I started receiving bills from XXXX stating that i owed them a balance of {$270.00} ( for the service they never performed ). I again called them and was assured their mistake would be corrected and I should not worry. They never corrected the mistake, and instead sent it to a collection agency called NCI. After receiving the letter from XXXX claiming I owed a debt, I called XXXX and was told I would need to send them a letter in writing asking for proof of the debt, Which i did within thirty days of receiving their letter. Their proof was a work order from XXXX stating that they sprayed some chemicals outside the house, and in the area where I supposedly signed is a horizontal line. I was not there when they supposedly performed the service as I was receiving treatment for XXXX in XXXX. The signature is fraudulent. Besides that, the services I ordered were primarily for the interior of the house, which they clearly state was not done. ( I would not order the service of removal of a beehive for {$270.00}, which is a ridiculously high amount. My local exterminator quoted the same service for less than {$80.00}, and ended up performing the interior for a total of {$150.00} combined ). 
After receiving the alleged proof, I attempted many times to contact NCI by phone but was continuously hung up on by their phone system before being able to speak with anyone..
Consumer complaint received 2016-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Texas Guaranteed (VA)

I am on a Federal Loan repayment plan and have set up monthly payments to offset my past due amount. I spoke with a representative at Texas Guaranteed to set up all the details and spoke with them at length about my options. I was told that I could make monthly payments that were configured based on my income and my bills and that after I had made enough qualifying payments that my loan would be considered in good standing. In my first conversation with Texas Guaranteed representatives we discussed taxes and noted that I had not been able to file in the past couple of years because I was the victim of identity theft. We discussed that I hoped to file this year. I set up the payments and have made them on time since I set them up. I was able to file my taxes and was expecting a federal tax refund of almost {$3000.00}. A couple of days after the IRS notified me that my tax refund was supposed to be deposited in my account I had to call several different numbers to find out that my tax refund was seized by Texas Guaranteed. At no point in our discussions was I notified that my federal refund would be taken, and I did not receive anything in the mail that my federal refund was going to be taken. I called a spoke with a different representative and was basically told 'oh well too bad we wo n't release your refund '.
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.
Consumer complaint received 2015-09-18
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Wilber and Associates, P.C. (CA)

The insurance agency claims I owe the {$760.00} for a minor scratch ( not dent ) on a bumper. They sent a letter asking for money and stating, " Proof of damages will be provided upon request. '' When I wrote to them asking for them to provide proof of damages, they did not respond. Two years later, I get a letter and a phone call from Wilber & Associates, XXXX, Attorneys at Law. Again, I asked for proof of damage ( I have a photo that shows the bumper scratch ). W & A told me to pay or they would keep on contacting me.
Consumer complaint received 2015-04-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?
Consumer complaint received 2016-02-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OR)

XXXX. This complaint represents a new complaint against US Bank. This focuses on the XXXX XXXX District Manager of US Bank, XXXX XXXX, for actions that seek to discriminate against me as a XXXX person. 

A prior complaint was filed XXXX XXXX XXXX against the XXXX Branch of US bank for refusal to accommodate my XXXX when XXXX tellers refused to help me complete a deposit slip despite my pleading with them for help and their mocking, shaming, belittling and embarrassing me ( teller even mocked me saying " oh I have pain toooooo '' ) in front of bank staff and patrons. After a phone conversation the next day with the branch manager, the situation was turned over to XXXX XXXX to handle. 

2. This complaint arises from a separate incident on or around XXXX XXXX XXXX in which XXXX XXXX states he has no plan to take any disciplinary action against either teller or the branch manager for their refusal to accommodate my XXXX, rather his plan is to " move forward '' to which he explains that he wants me to return to patronizing the bank by asking for either the same teller name XXXX or for the branch manager to wait on me. He also verbally refused to take any of my solutions into consideration including a simple apology from the tellers. When I told him that it is traumatic, inconvenient and discriminating for me to have to deal with the same people and to have only them wait on me, he said that I need to move forward and try to work with the situation. When I asked him if he did any XXXX training with any of the staff or if he planned to, he said it was not necessary. He refused to listen to me further and said he needed to go. I told him I was not happy with this as a solution - however in the prior complaint he falsely claimed that I was ok with what he proposed. I am NOT ok with him continuing a new discrimination against me and having me being treated differently than other customers going into the bank.
Consumer complaint received 2015-09-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

About 8 years ago I opened an account with Huntington Bank. I over drafted my account by XXXX $ and I was hit with over XXXX in overdraft fees. There reasoning for this was taking the money out with the largest amount first, because of " importance ''. After a long talk the bank talked me into opening a {$500.00} credit line to protect myself from these fees, they took the money I had deposited and transferred the balance of my fees over to the credit line. I asked them to suspend the entire account so that I could dispute there claims. In turn my credit line sky rocketed to over XXXX due to interest and penalties. I then had another conversation with the bank and explained that I would never pay them a single cent and that all of this came from a XXXX overdraft. I have since learned how to live with cash and have experienced a terrible credit rating. I have had a car loan that I paid on time with no change in my credit score due to this outstanding balance. Now 8 YEARS LATER, I received a payment of XXXX in the mail from Huntington. With a letter informing me that they had noticed I was over charged.