davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (PA)

I was offered a card that had XXXX interest for the first 6 months, I was told by the store merchant that at the end of 6 months I would be charged interest. It was never explained to me that the interest would be compounded. So now I 've noticed that I was charged one lump sum of over {$300.00} in interest plus on going interest at XXXX %. I called to complain and offered to pay the entire bill and they refused to waive the lump sum interest. My issue is the lump sum interest being tacked onto my account.
Consumer complaint received 2015-12-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I opened a payday loan with Speedy Cash in XXXX 2014 and was charged extremely high loan fees. I filed Chapter XXXX bankruptcy in XXXX 2014 and reported all of my debts to the attorney. This account is still open and this pay day loan company located in XXXX Texas ( XXXX XXXX XXXX ) refuses to acknowledge that I am in bankruptcy. I have filed a dispute with the credit reporting agencies but I have not received a satisfactory judgement.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NC)

I contacted Enhanced Recovery Company XXXX/XXXX/15 regarding a XXXX debt in which I was unaware of. After speaking with a reprensentative who refused to answer my questions I was transferred to a Supervisor named XXXX. After attempting to speak with him he continuously over talked me and refused accept my request of a validation yet tried forcing what he thought he knew on me and forcing me to pay the debt. I understand how cell phone plans work I 'm not stupid and XXXX had no right to deny me a validation of a debt I was unaware of!!! He even had the audacity to ask if I wanted to dispute it or if I wanted a validation like I had to choose between a validation or dispute. XXXX went on to say I had to send the dispute in writing or nothing in his office will be done. Why was my right to dispute this debt and request a validation denied by this company? Why was I forced to choose between a validation or dispute? The notices says dispute the validity of the debt within 30 days or it 's assumed mine. The letter does not state it has to be sent in writing so why was XXXX trying to force me to send it in writing when I clearly disputed it verbally various times? Section 809 of the FDCPA does only require that the collection agency validate in writing when the request for validation is done in writing. But as per the notice I received there is no specific request nor requirement of the dispute or the request for validation to be placed in writing so therefore I feel as though this collection agency is poking fun at the FDCPA. Thus being unfair and violating my rights as a consumer as well the collection agencies that put forth the effort to maintain compliance. Being that a dispute and request of validation are both a form of a dispute they still need to be treated differently as well as investigated properly which this company refused to do. I also have everything recorded.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX, I had a personal checking and savings account with Bank of America in XXXX XXXX, XXXX which I had for a total of XXXX years. The account was closed by BOA XX/XX/XXXX due to account abuse. Now I may have had some overdraft fees but it was never to a point where I abused my privileges. In fact, I recall boa refunding a portion of the funds bank into my account for making a mistake of charging me overdraft fees for transferring funds from my savings account into my checking. They were also involved in a civil suit due to over charging overdraft fees to customers like myself. The account was closed and I had a final balance to pay which is not paid in full but now fast forward XXXX years later, I now resided in XXXX, XXXX and recently started XXXX and I am unable to open a XXXX account because boa has reported me to a company called early warning services. I have been denied from every financial institute you can think of and this is becoming a huge burden and hindering the progression of my business. I have tried everything from disputing the info, providing documents showing it has been paid in good faith and spoke with early warning several times and I am being told that the information will stay on my record preventing me from opening a new account for a total of XXXX years! This is absurb!!! I would like this resolved promptly before the next XXXX years I need an open active account and this is unfair and unjust treatment due to a minuscule amount owed to boa but has been paid in full. These big banks have been XXXX XXXX of people like myself for decades and it is time for them to stop treating hard working honest people in such a horrible way.
Consumer complaint received 2015-07-18
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Home Mortgage (GA)

This Debt Collectors ( STATE HOME MORTGAGE ) Attorney XXXX & XXXX, went to the Courthouse Steps and Foreclosed upon property that they did not verify nor validate, and allowed, a third party purchaser to buy something that was Rescinded on XX/XX/XXXX, and they purportedly sold the property in XX/XX/XXXX. They did not have any standing to do that because the transaction was rescinded. They only ignored it and then the THIRD PARTY DEBT COLLECTOR ( STATE HOME MORTGAGE ), sent communication stating that the Property was paid for. The Attorney ( XXXX XXXX XXXX ) sent an acknowledgment, waiver and release agreement for {$22.00}, XXXX to release them from being responsible for their error. They should never had gone to the Courthouse Steps and become the beneficiary of my Estate ( XXXX XXXX XXXX XXXX ), I never gave them permission to do any of that.!!!!!!!
Consumer complaint received 2016-03-20
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I AM A XXXX VETERAN. I AM WRITEING THIS LETTER BECAUSE BANK OF AMERICA HAS ILLEGALLY MERGED XXXX DIFFENT EQUITY LINES OF CREDIT ON A HOUSE UP FOR SHORT SALE AND XXXX THE EQUITY LINES OF CREDIT BELONGS ENTIRELY ON A DIIFRENT HOUSE ONLY RELATION IS THEY BOTH HAVE IS THEY BOTH ARE OWNED BY BOA. THE LESSER AMOUNT IS ON XXXX XXXX XXXX XXXX, MICHIGAN XXXX. THE HOUSE GOING TO SHORT SALE BECAUSE ITS EQUITY LINE IS IN DEFAULT BECAUSE IT IS XXXX NOW {$65000.00} UPSIDE DOWN IS IS XXXX XXXX XXXX MICHIGAN XXXX. 
BANKS HAVE THAT MUCH POWER NOW. WOW. 
PLEASE HAVE THEM CORRECT THE PROBLEM.. THEY HAVE IT IN THEIR RECORDS THAT THE LESSER LOAN THAT IS NOT IN DEFALUT BELONGS TO A TOTALLY DIFFERENT ADDRESS WHICH IS XXXX XXXX XXXX, XXXX, MICHIGAN I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN. THEN THEY FORCED ME TO CHOSE BETWEEN SHORT SALE OR FORECLOSURE. I CHOSE SHORT SALE BECAUSE I DON.T WANT TO FILE BANKRUPTCY. I PAY MY BILLS. I HAD TO FIND THE REALTOR AND THE BUYER. THE BUYER IS ABLE TO BUY IT ON PENNIES ON THE DOLLAR AND I GOING TO RECIEVE A XXXX I HAVE TO CLAIM IT AS EARNED INCOME. AS MUCH AS IT HURTS.AND AS EMOTIOAL DRAINING AS IT HAS BEEN, I DID IT. NOW I FEEL I HAVE BEEN WRONGED AGAIN. I HAVE A FAMILY HOME THAT WE JUST LET FAMILY LIVE IN FOR FREE XXXX XXXX, XXXX, MI XXXX IT HAS A SMALL LINE OF CREDIT OF {$7000.00} I ESTABLISHED WITH XXXX WHEN I WAS AROUND XXXX OR XXXX YEARS OF AGE. I AM NOW XXXX. THE ACCT NUMBER ON XXXX XXXX HAS CHANGE SEVERAL TIMES THROUGH BANKS. 1 ST WAS WHEN XXXX PURCHASED IT FROM XXXX, 2ND WAS THEN BANK OF AMERICA PURCHASED IT FROM XXXX BANK. 3RD TIME WAS WHEN BOA WAS CHANGING ALL THERE ACCOUNTS IN 2007 THE ACCOUNT CHANGED AGAIN. XXXX XXXX ACCOUNT HAD XXXX ACCT NUMBERS THIS ACCOUNT IS SO OLD IT IS GRANDFATHER IN TO BEING A FOREVER REVOLVING LINE OF CREDIT. NOW BANK OF AMERICA IS TRYING TO TAKE XXXX OF MY HOUSES FOR THE PRICE OF XXXX. PREVENTING THE SHORT I AM UNABLE TO SHOW PROOF OF THE PAPER WORK BECAUSE MY HOUSE HAD A HOUSE FIRE AND I STORING A LOT OF MY PAPERWORK IN THE BASEMENT. SO I AM UNABLE TO PROVIDE THE INFORMATION FROM NEARLY 25 YEARS AGO. BUT IT IS HARD FOR ME TO BELIEVE THE HOUSE WHICH IS TO BE SHORT SALE ; XXXX XXXX XXXX MICHIGAN HAS MYSTERIOUSLY GOT A XXXX MORTAGE OF AN ENTIRE OTHER HOUSE XXXX XXXX XXXX MICHIGAN IS UBELIEVABLE. THIS IS WHY I GOT A LAWYER. IT WAS JUST THE WRONG ONE AND I CA N'T AFFORD ANOTHER ONE. THIS IS WHAT THE BANKS ARE DOING TO XXXX PEOPLE. THE BUYER WHO IS READY TO FLEA, I AM STILL RESPONSIBLE FOR THE WATER BILL AND TAXES. IT 'S JUST TOO MUCH. I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN.
Consumer complaint received 2015-12-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (NC)

Purchased a truck from XXXX XXXX in XXXX NC on XXXX. I awaited payoff of another car for 3 weeks, and continued to make payments to that vehicle so not to damage my credit. Only after many contact attempts I spoke to the fiance manager whom had the payoff sent. I waited for the registration for the transfer of tags for almost a month, and made another series of calls till i was able to speak to the manager again, on that day according to the registration they completed the paperwork to transfer the plate. It has also come to my attention that the title work was either done wrong, or not at all. This is a clear violation of XXXX. Perfection by indication of security interest on certificate of title.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SS # XXXX You still have not deleted XXXX as you can see XXXX has it displayed correctly on my report but you do not this has gone on for far too long you must correct tower FCU or delete it stop playing games and do your job!!! 
Delete XXXX XXXX You have id and utility bill an drivers id attached COMPANY XXXX - XXXX. XXXX XXXX XXXX - LOAN TYPE Credit Card Credit Card - ACCOUNT NUMBER XXXX XXXX - ACCOUNT HOLDER Individual Individual Account - DATE OPENED XXXX, XXXX XXXX, XXXX - STATUS DATE XXXX, XXXX XXXX, XXXX - CONDITION Closed Closed - LAST ACTIVITY XXXX, XXXX XXXX, XXXX - BALANCE {$0.00} {$0.00} - STATUS - Wage earner or similar plan - LATE 30 DAYS 0 times 0 times - LATE 60 DAYS 0 times 0 times - LATE XXXX PLUS DAYS 0 times 0 times - WORST DELINQUENCY None Reported None Reported - HIGH BALANCE {$0.00} {$0.00} - TERMS - - - SCHEDULED PAYMENT - - - CREDIT LIMIT {$0.00} {$0.00} - REMARKS Consumer disputes after resolution Chap. XXXX/dispute resolved/consumer disagrees - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2016-03-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Service Company, INC (CO)

Hello, On XXXX/XXXX/2015 I filed a complaint with " CSC '' through the CFPB portal ( # XXXX ) CSC stated they would continue to report account number XXXX and that I needed to contact the original creditor regarding this matter, I sent a letter to XXXX XXXX, XXXX XXXX XXXX. XXXX. on XXXX XXXX 2015 regarding this matter ( attached ) with no response. I want this account removed from my credit record as this original creditor can not /will not provide me with any validation/verification.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (IL)

To whom it may concern, Dynamic Recovery Solutions asserts that I owe a debt to XXXX XXXX when I never held an account with this telecom giant. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to Dynamic Recovery Solutions, the alleged debt was being claimed by XXXX XXXX XXXX. I disputed the matter with all three credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to Dynamic Recovery Solutions. 

They list their mailing address as : XXXX XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.
Consumer complaint received 2015-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allgate Financial, LLC (CA)

I have lived at this address for 24 years and had my telephone number as long. 

AllGate Financial , LLC of Illinois is trying to collect a debt from an person unknown to me, named XXXX (? ) XXXX. 

Per AllGate instructions, I have contacted then telling them I am not the person they seek and the calls continue, several times a week. 

My number is on the " Do Not Call list '' and I have no business relationship with AllGate Financial I wish to log a formal complaint against AllGate Financial LLC for their continuing calls, even after being advised by me that my telephone number is not affiliated with whom they are seeking.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (MI)

XXXX opened up an account for someone and used my name and address to commit fraud against me. 

The account was closed and sent to a collection agency that illegal found my social security number and linked a bad debt account to my personal history.
Consumer complaint received 2016-03-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Tower Loan of Mississippi, Inc. (LA)

I was receiving harressing calls and home visits from Tower Loan and wanted their collection actions stopped. I asked my wife to calk and tell them to communicate to me only by mail. So she called in late XXXX of XXXX. She called Tower Loan and spoke to a male. She told him that I am demanding that they stop all communication calls to me, family, friend, neighbors, Place of employment and not to come to our home. She told him that the only communication that is wanted is via mail. She was told that the only way to stop receive that request it would need to be in writing. So on XXXX XXXX, XXXX I wrote a Cease and Desist Letter ( letter and certified mail receipt and delivery receipt will be down loaded ). On XXXX XXXX, XXXX a XXXX XXXX signed & printed her name on the delivery section. On Friday XXXX, XXXX my sister called me and said she received a voice message from a XXXX telling her to have me call him at XXXX. She then forwarded me the voice message. I was very upset by the collection call because I felt that my consumer rights were violated. At around XXXX on XXXX/XXXX/XXXX I called the number and spoke to XXXX XXXX. He said that I owed over XXXX XXXX dollars. I then told him that I would be in tomorrow morning to pay it. After getting off the phone I talked to my wife and told her that my rights were violated and that I have been harressed and something has to done to stop XXXX XXXX and Tower Loan! I then instructed her to call Tower Loan and record the call. My wife and I were lied to by XXXX XXXX. He told her that his notes said that my letter said not to call or Mail anymore which was a lie. She told him that he was harassing us and then he said that we were harressing him and then theatened us by saying we were refusing to pay and proceeded by hanging up the phone. She then called him back and he admitted that he called my sister and left a voice message with his name and number and asked to have me to call him. My wife then began to read him the certified mail receipt letter to him. He then said that he was going to send my file over to his attorney 's office and sue us. He said that it does n't matter what I pay he 's still going to send my file over to an attorney. XXXX XXXX then made a slandering commit to my wife. He told her that if she would stop spending my money that I probly would not have this problem. He then said to her " why am I even talking to you, your not even on the account. Then said that he was going to file a law suit on her and hung up. Both phone calls were recorded. First recording XXXX/XXXX/XXXX XXXX cst and 2nd recording at XXXX cst.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have been a Bank of America credit card customer since 2009. I have never been late and have carried a balance for most of those years. I finally paid off the credit card. In the month I paid off, I returned to the website and made two additional payments for a total of three payments. My last payment I paid {$7.00}. It actually shows I overpaid my account. Then BOA issued a trailing interest amount of {$6.00} and I was unaware. When I call to try to understand how they charged me additional interest when I paid off the card ( only a few days ) the month before and paid all charges, interest and amount due ( three times in one month ), they do not provide a reasonable or logical explanation. They say you have to pay off your credit card for two months in a row, so one month paying all charges and interest is not enough. This is unfair and unreasonable. After I called, they immediately said they 'd waive this amount, but that is after they reported me to the credit bureau with a sixty day late. I was unaware of this trailing interest and can not get a detailed explanation of why I was charged this amount, reported to a credit agency, then told the amount could be easily waived. How can they report me on an interest only trailing amount that they easily waived? I am a long term customer who has NEVER been late with a payment. I did not receive a paper letter that this amount was owed or a single phone call. They just reported me and now say they can do nothing to help me. Bank of America practices unfair credit practices. They are not acting professionally, reasonably and they obviously do not value customer relationships. I have called them 4 times and no one has been able to help. I want this amount removed from my credit report and I 'd like to receive a letter of detailed explanation as this has damaged my credit report and caused a lot of XXXX in my family.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Equifax deleted fraudulent, false data from XXXX XXXX because it was n't my debt and they agreed to it. Additionally, they are now reporting a debt from XXXX XXXX {$480.00} that does n't belong to me and the creditor refused to " verify ''. Finally, I have had XXXX hard credit pulls in 2015 and it 's illegal to report inquiries that are not mine and do not constitute fair use. I should n't have any 2015 credit inquiries and these debts that are not mine need to be taken off my report. This is harassment.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (NJ)

I have a Barclays XXXX Extra points VISA card. When I purchase items, I accumulate points that can be redeemed for NFL merchandise. On XXXX/XXXX/15, I used their system to request a redemption for an XXXX XXXX NFL replica jersey. It told me that they would ship it to me in 3-5 business days. On XX/XX/XXXX, I tried ( in vain ) to contact them by phone at the customer service number. Their site showed the item as " located in inventory '' yet it was not shipped to me. I was passed from department to department, although nobody claimed to be able to help me with the issue. I finally emailed them asking what the delay was. Customer service emailed me back saying that they were looking into it and would get back to me via email with an update. I received additional emails from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that they were still " looking into it. '' On XX/XX/XXXX, they sent me an email advising me that they were cancelling my order and returning my points with no explanation or consideration on their part. I have since received XXXX more emails saying that they apologize and are forwarding my issue to a supervisor. I 'm not sure how to take this. What good is getting my points back if they ca n't fulfill orders on their end? I am totally frustrated that I ca n't speak to anyone at customer service, that their site still shows the item as " located in stock, '' that my item was never shipped, and that they have taken ZERO steps to make the situation right.