davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (CA)

I set my credit card to pay via ACH for the XXXX cycle of 2015. Per the vendor, the amount posted of {$6200.00} was declined by my bank. Per my bank, no amount was ever posted against my bank account. Regardless, after getting an email from the vendor, I paid the full amount outstanding on the account as of XXXX XXXX, 2015, {$7700.00}. The vendor continued to charge me interest for the next XXXX months on purchases that were made after the XXXX of XXXX - the date on which I had a XXXX balance. I 've called the vendor to complain and was told that the interest was for " residual interest. '' I explained that I understand the concept of residual interest but that because my balance was at XXXX, there ca n't be any interest on a XXXX balance. I spoke with XXXX other icustomer representatives and Interest in the amount of {$210.00} that the vendor asserted I owed in the XXXX statement was verbally credited back to my by a customer representative and I was told that I would see a credit on my account in the next XXXX days. However, the vendor asserted that even though my balance had been paid down to XXXX, I am still liable for a total of {$190.00}. The maximum amount that was outstanding for the ten day period was {$7700.00}, the total amount due on my account on the XXXX of XXXX, per the vendor. {$190.00} for ten days of a balance at a maximum of {$7700.00} is nearly 100 % interest. Per the 15 % stated by the vendor, I should owe approximately {$31.00}. I have closed this account with the vendor. I have contacted the vendor on XXXX separate occasions about this issue.
Consumer complaint received 2015-09-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Radius Global Solutions LLC (NC)

I am being harrassed at work where I am prohibited to receive collection calls on my job. It is from Central Credit Services by an XXXX XXXX @ XXXX He called my job Monday morning XXXX/XXXX/15 @ XXXX then again today XXXX/XXXX/15 @ XXXX -- I know he is violating the FDCPA law -- I want this company to stop calling my job where I can possibly lose my job and My son 's job also.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I have used a Care Credit card for several years, taking advantage of no interest, promotional purchase offers to pay veterinary bills for a XXXX, non-profit, rescue organization. On a few occasions, I have felt that promotional balances were paid in full but have still been charged interest. I did not investigate these at the time. This month we had several promotional balances due so I have been tracking the progress of payments. I noticed that payments are being applied to newer invoices with lower accrued interest amounts leaving older invoices with higher interest balances in danger of expiring. This morning I also noticed that a promotional invoice that is due to expire next month now has a larger balance than the original charge! This has changed since yesterday! I believe that this has been going on for quite some time and the reason that I have been paying interest on invoices that would have been paid in full had payments been applied ethically. I have contacted Care Credit regarding this problem. The payments were reallocated but I was told that I had to call to make sure that payments were applied to the oldest invoices. This is an extremely deceptive practice and needs to be stopped.
Consumer complaint received 2015-07-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I opened a savings and checking account at J.P Morgan Chase Bank ( XXXX XXXX location ). I wired {$230000.00} into the savings account # XXXX. About XXXX days later my personal banker called to tell me, and subsequently sent me a brief email which is attached, that he had received instructions to close the account. I received no explanation as to why only provided a phone number to call.I called that number and it was the Compliance Department. I asked to know what was found by their " back office team '' that made me unsuitable as a customer. I was summarily told that the information stayed internal and is not shared with the customer. As a consumer, I should have the right to know what information they sought, who from and to determine if it was accurate. I have no criminal record and nothing that I am aware of that would make my money less desirable than anyone else 's. What recourse do I have in a situation like this to remedy, mitigate or seek a copy of the review, to know they made a decision off erroneous information.
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (AZ)

I had a debt with XXXX XXXX, a hospital in XXXX, AZ. This happened right when the branding was changing from XXXX XXXX to XXXX. I received many letters from many departments that all had something to do with a particular emergency room visit. After paying this, apparently there was another piece. I never got any other notices, nor did I get a single bill ever from Central Financial Control aka Syndicated Office Systems. This just suddenly appeared on my credit, and after resolving the debt, they refused to delete the line item. Many many collectors will do a paid in full/deletion, as it does my score NO help by having a paid collection.
Consumer complaint received 2016-01-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (TX)

I opened an account with TD Bank. I moved out of the area ( from XXXX to XXXX ). I called to close my account. I was told that I could not close the account over the phone -- I had to mail a notarized letter to close the account. The letter had to be sent to the branch where I opened the account but the representative could not tell me where I opened my account for security purposes. It 's been years since I opened the account and it was in XXXX -- there are dozens of possible locations. I guessed as to which branch I opened the account at and I sent a notarized letter via certified mail, which was received on XXXX XXXX, 2015. It has been two months. I have called several times, both to the branch and the normal customer service line. Nothing has changed and I still do n't have my money.
Consumer complaint received 2015-04-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: National Auto Lenders, Inc. (FL)

Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (NY)

Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (GA)

United Security Financial is the most deceptive company I have ever dealt with. I have had to contact them about XXXX times in the past XXXX months. Seldom do I get a call back, never do I get a voice mail, they blame there sub-servicing company XXXX XXXX and have me contact them directly. My latest issue is that I paid my XXXX XX/XX/2015 payment on there web site over a week ago ( XXXX ) and yet it does not appear as paid online and the money has not be drafted from my credit union. I called USF and talked to XXXX XXXX on XXXX to inform them of the problem. He indicated he would look into it and get back with me. XXXX days later I have not heard a thing. I submitted an online request asking to have it looked into ( on XXXX ), and no response. This is the pattern for this company which is why I am issuing this complaint.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My Mortgage is handle by Seterus Inc. On XXXX 2014 I was granted a chapter XXXX bankruptcy by the court, the mortgage was not included on the bankruptcy, I never missed a payment and I kept paying the mortgage for all the past 10 months, I spoke with Seterus on tow occasions and ask them to please keep sending the monthly statement and they refuse to do so, also need to get access to my account online, I send a certified letter ( see attached ) and they refuse to keep me inform about my mortgage status, so please help me solve this situation, Seterus in a very arrogant way refuses to send the monthly statements and I do n't know what else to do, they even at first refuse to talk to me on the phone and I stated that I understand that the original lien is still accepted by me. 
Thank you in advanceXXXX XXXX XXXX
Consumer complaint received 2015-09-29
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (CA)

On Monday XXXX XXXX I attempted to transfer XXXX from my Wells Fargo savings account To my Wells Fargo checking to cover a check I had written on Sat XXXX XXXX. Wells removed my XXXX and applied it to a Wells XXXX creditcard account with " XXXX '' balance. XXXX at credit services states that my money will not be transfered back to my checking account for approximately 30 days while research is being done, due to the large amount. Meanwhile the check written on the XXXX was covered by overdraft, to which I will be charged fee 's. XXXX ( XXXX XXXX wells customer care case # XXXX ) confirmed they will not return money until researched. 
they were able to remove the money immeditely but now want to hold for THEIR benefit.
Consumer complaint received 2015-09-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PROSPERITY BANCSHARES, INC. (TX)

Prosperity Bank made an error by letting charges get transferred back to my account after I went to great lengths to get my debit card canceled and blocked due to a home health care provider having access to my debit card when I was away from home and in the hospital and too sick to look after things at home, she used it to buy jewelry from a company known as XXXX. By promising not to file a police report I was able to get her to return the package she received. It had a packing slip of items and costs and I checked and all the jewelry was still in the package and small boxes not opened. I called the XXXX XXXX and told them that the jewelry was not ordered by me and they told me to return it registered receipt and a tracking number. They also said that Prosperity band had already charged back the items to them and that I should have credit for the items already. I told them that PROSPERITY BANK GAVE ME PROVISIONAL CREDIT ... ... ... .pending investigation ... ... ... ... When I was n\otified that the tracking showed the items had arrived and a signature receipt inctluded also, I took it to Prosperity Bank. They made copies of everything and told me they would be sure to make the provisional credit a permanent credit and the case was closed. Then today I was shocked to find that Prosperity Bank had let those charges post even though the debit card was canceled and the case was closed. I spoke with XXXX XXXX and they confirmed that they had received the items back and it was in error that they somehow got charged back to my Bank Account. They said that all my bank has to so is reverse the charges back to them. 
But Prosperity Bank refused to do anything ... ... saying ... ... .... '' There is nothing they can do, that I have to resolve it with the company who charged my account XXXX WITH A CANCELED DEBIT CARD THAT DOES NOT EXIST XXXX I am Filing a complaint with the Federal Trade Commission!
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (PA)

Describe what happened so we can understand the issue ... 
In a nutshell, I had a Chase bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. ( SEE ATTACHED LETTER dated XX/XX/XXXX ). I paid them, PER THEIR TERMS, and received confirmation from them via a mailed letter dated XX/XX/XXXX, that they are ... .. 'pleased to confirm that they received the payments to complete the terms of the settlement agreement ' ... ... ( SEE ATTACHED LETTER dated XX/XX/XXXX ). 

Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms stated in their letter to me, but are reporting : " charge off '', no mention of any settlement, and " settled for less than full balance '', etc ... paid in full for less than full balance, etc. ( see attached letter dated XX/XX/XXXX ). THIS IS NOT THE SAME THING AS THE XXXX WORDS I WAS PROMISED- " SETTLED IN FULL ''. 
I did not agree to " settled in full, for less than full amount '', or any similar term. The point of trying to settle this account was to clear the negative trade line! 
Chase insists they have no control over how the XXXX CRA 's report on this, and they are reporting this correctly. 
I see a BIG difference in an account being noted as SETTLED IN FULL vs. " paid in full for less that full balance changed off ''. 
I feel that their collection practices are fraudulent and I feel that I was tricked into trying to resolving this account, with false promises made by them about how the account would be noted, once paid per their terms. 
They also state that they can not delete information from my credit report, which is also a bold lie ( see attached letter dated XX/XX/XXXX ). They are the ones who reported this to begin with and, they have the power to correct this, or even just delete the whole trade line, since it is being disputed.
Consumer complaint received 2015-09-24
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (CA)

After being fully discharged from a Chapter XXXX bankruptcy, and XXXX loan representatives signing legal documents that the debt had been cured, Seterus, Inc. has failed to fully discharge the account, complete " cram down '' and issue me a Full Reconveyance. I was only made aware of this lien when I ran a credit check listing Seterus , Inc. as a stakeholder. I question the legalities of all practices, I have provided the company with formal dispute and court documentation which they have failed to comply with. I have been given conflicting information from, rude and ill trained representatives. I have been assured several times over that an " expert '' whom I have XXXX access/communication with is working on my case. I have been hung up on or disconnected after hours of being on hold, only to speak with a representative of a department that I did n't even ask for. I do n't understand why a company like this is still able to practice and take advantage of people who are already consumed by other financial issues.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NJ)

i had to call 4 times this morning to make a payment first 3 time s they put me on hold with no explanation for 20 minutes. no apology. nothing. they think i can wait and 2 said they would not. i want something for my inconvenience. or i will be unable to use the card. horrible CS. no interest or a XXXX dollar credit and investigate.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/15 I was on XXXX XXXX XXXX XXXX ) booking XXXX airplane tickets. At the end of the process, during check out, CitiCard offered a AA branded credit card with numerous incentives XXXX miles, status, extra points, etc. ) if I applied and used it to pay for my tickets ( ~ {$9000.00}. ) Weighing the benefits vs. carrying another credit card - and another inquiry into my account while I 'm in the midst of moving and having to buy a new house - I went thru the process. 

I got approved and the person on the phone told me I was to get a {$17000.00} credit line. 

I used that to buy my tickets. This morning XXXX/XXXX/15 I checked my email and XXXX for receipts. Nothing. So I call XXXX and find out CitiBank is declining my card. I call CitiBank and they say it should n't decline. We try again. I call back Citibank they now say that I only get temporary {$3500.00} amount. I tell them no one has told me this until my now XXXX call and that I would never have applied nor hit my credit score if this was the truth as I can no longer get any of the incentives. So, I ask them to cancel the application - because if as they say it is just a temp account - then lets not move forward. They refuse. They tell me I have to let the application go thru and then wait to physically get the cards and then cancel. 

I ask to speak to a supervisor XXXX XXXX XXXX - she also refuses to either let the charge go thru or to cancel the account. I ask if there is someone more senior - she refuses. I ask if they can give me the name of their customer service head - she refuses. Any information I ask for she refuses. 

Ultimately this is a very deceptive practice that will impact my credit score/record. Not to mention CitiBank 's total lack of desire to help.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A. (MA)

These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX has filed a " Collections Account '' on my credit report for {$78.00} for XXXX XXXX communications company. I am unaware of what this account is, and the last time I had dealings with XXXX XXXX was over XXXX years ago. I have received no contact from this company and my understand is this would be outside the statute of limitations and they should not be reporting this on my credit.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (CA)

Hello, I recently received a notice stating that the owner of XXXX XXXX is being sued for " using illegal tactics to induce students into taking out private student loans ''. I graduated from XXXX XXXX in XXXX, California, in XXXX of 2014. In XXXX 2014 I found out that my XXXX. I was not able to use the job finding services that XXXX offered. And now I find out that they have shut their doors for good. I do not feel that it is right for me and my other classmates to have to pay all this money for student loans for services we ca n't use. For example, getting help with resume writing, looking for a job, and for us XXXX, we had the opportunity to go back to the classroom to refresh our XXXX skills and other XXXX functions. 

I have XXXX student loans, XXXX through Genesis Lending which I believe they are a rip off and the other was through the Federal Loan however is now through the Department of Education through a third party. I still have not gone back to work, however will be going in for my XXXX in a week then I can be released to go back to work. This was my XXXX time getting XXXX and I feel this would be XXXX less thing for me to worry about. Having to pay for a school that is no longer there or in financial termoil. 

My loan was XXXX of them that qualified for the deduction however it was not the 40 % I was told it would be in my letter. I hope that this gets straightened out soon. Again I am disappointed that this is happening, I had no problem with my teachers at XXXX College, but the financial department was really no help and I felt like I was being talked to in circles. I feel like once I signed the paperwork to attend XXXX College, I felt like I was just another number and left feeling things were unresolved. 

Thank you
Consumer complaint received 2016-01-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Argon Credit (GA)

I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account.
Consumer complaint received 2015-11-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Great American Finance Co (GA)

On the companies website, they show a due date which is not the correct due date. I made payments for two months and found out that I was late even though I was making payments by the date that I thought was the due date. I told the company what happened and made sure that I paid by the due date they told me on the phone and eventually paid the account off in full. I asked if the late payments could be deleted because their due date showing on their website is not my actual due date and they have told me no numerous times. I even told them this was holding me back from buying a house and they did not care and said no. 

When you are late, they do not call or send an email notifying you that you missed a due date so you can catch it before it 30 days late. They do not send anything in the mail notifying if you are late. The only way you are notified is by a credit report update.