davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

On XXXX at approximately at XXXX. I received a call from XXXX ( which is the name that appeared on my screen ). This man asked to speak to my daughter ( he did not identify himself ) and I proceeded to tell him that she did not live here. He asked if there was a better number to reach her at and I stated no. He paused for a moment and then said " XXXX '', it was very plain and loud. He then hung up. I called the number, XXXX and it was identified as Portfolio Recovery, a debt collection agency. I asked to speak to the Operations Manager or Compliance Manager. I spoke to XXXX XXXX, Ops. Mgr. I told her what had happened and she apologized. She asked that I call her back at her direct line to ensure she had all the info she needed. I called her at XXXX ext. XXXX and she answered and advised me that she had all the info to investigate. I asked if she pulled the call and she stated she had all the info. I asked that my number be removed and she stated that it already had been. At XXXX the same day I received another call from the same number but no one identified themselves and after a moment of me saying hello they hung up. I called XXXX XXXX back and advised her that they had called again and that she did not do what she stated. I advised her that I would need to contact my attorney and also file a CFPB complaint. Not only is this a FDCPA violation, but totally unacceptable behavior.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION (SC)

I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing.
Consumer complaint received 2016-02-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have an overwhelming student debt - between Federal and Private Loans I 'm up to about XXXX. I have been working for weeks to get someone to help consolidate, but because the amount is so high and because I do n't make all that much no one will help me to get my monthly payment lowered to a manageable amount. Navient is useless because they just keep asking me how I expect to pay them - I do n't know, I ca n't afford over XXXX/month. I 'm just trying to start paying these back, I took the loans and I accept my debt I just ca n't afford such high payments but no one seems to want to help me pay off my debt ....
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for an SPG credit card through AMEX with a welcome bonus of XXXX SPG points after XXXX spend in 3 months. The first time I applied it gave an error on the page, but the application still went through. So I applied again. One card was sent to my old address and the second was sent to my current address. I spoke with customer service and they advised me to cancel the card sent to the wrong address. After I spent XXXX dollars I never received my bonus, when speaking with customer service they informed me that it is a once in a lifetime bonus and since it was my XXXX card I was not eligible. I explained what happened and they said that they would forward a letter to another department and almost certainly due to the situation I would receive my bonus points after 6-8 weeks. After 8 weeks I contacted them again and they told me that they decided not to give me the bonus points, but they could forward another letter and I would have a decision in up to 8 weeks! I feel like they are just giving me the run around, when clearly I never received the 1st card and it was sent to the wrong address. Also the first customer service rep advised me to cancel that card.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am a month behind on XXXX of the XXXX credit cards I have with Capital OneOn XXXX they left a message, on XXXX I talked to a human and explainedThey said ok, we will be looking for a payment on XXXXXXXXOn XXXX they left a message at XXXXXXXXI called back and talked to a human at XXXX and explained a paymentis already scheduled, why are you calling and harassing me? 
They said they would note it on my account, like the other XXXX people weresuppose to do, and not to keep calling me. 
Then, they called me AGAIN at XXXX about the same thing!!! 
I AM BEING HARRASSED!!!!!
Consumer complaint received 2015-11-05
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX/XXXX/2011.
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had a savings & checking account with Bank of America and the checking accounts have been closed due to negative balances. I have been trying to make this right because I use my savings account for everything and they are constantly charge me fees. I was told by them that because this account is used so often that the FTC would make them convert my account to a checking account. I wanted a payment plan and was told someone would contact me but this has n't happened but the fees keep coming. I believe they are not helping me so they can continue to collect these fees and for all the fees I have paid they could have been applied the fees to the balance I owe the bank. Please advise me as to why I have to continue to pay fees when the bank has n't complied with setting me up on some type of payment plan to resolve this issue.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (PA)

I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.
Consumer complaint received 2015-06-29
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AL)

What happen was that I hired a Realtor to sell my home which I 'm upside down in. He explain to me that I could apply for a Short Sale with my mortgage company Wells Fargo Mortgage Co. Well he started the process with the short sale department and gathered all the information requested by Wells Fargo and submitted it on time. An appraisal was done and just as I stated I was under water with my loan. My original loan amount was {$240000.00} and the appraisal value came back {$130000.00} Then Wells Fargo requested bank statements, earning statement, proof of income ( SSI & VA ). Once I provided these documents to Wells Fargo they requested letters of explanation of deposits and withdrawals. I provided them with letters as requested. Now things started to get strange because Wells Fargo began to request documents and letters of explanation that has already been provided. They kept asking me where this money came from or what this deposit was for and so on. Requests started duplicating them self. They kept asking for letters and documents that has already been provide. At this point the case manger replied that she would not continue my case if I did n't provide her with the duplicate request. So I requested to speak with he supervisor. Once on the supervisor she also was very disrespectful and stated that if I did n't submit to her the duplicate request that she would close my Short Sale file as well. Then she hung up one me. This type of conduct was not acceptable and prompted me to make this complaint. Also, my case manger never return calls to my agent for two to three weeks at a time. Gave no explanation on why duplicate documents was being requested or why case would not return calls or emails to my agent. Please see attached file to prove my case and concerns. 
Sincerely, Disgruntle Customer
Consumer complaint received 2015-12-14
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express Serve has stolen {$400.00} from me. 

I had a {$400.00} balance on my account when it was closed. I was sent a refund check. 
I accidentally deposited it into the wrong account, my brothers bank account. It was returned unpaid. 
I then deposited it into my account in my name. It was rejected. My bank told me the first incorrect deposit has flagged the check, and I needed to get it reissued. 

I contacted American Express Serve many times to get the check reissued. They will not reissue the check because they claim it has already been cashed. However it has not been cashed, I do not have the money, and I attached proof the check was returned unpaid. 

I have called American express many times and gotten no resolution. They still have my {$400.00} and the representative even blamed me, saying it was my own fault. Does that mean they can just keep my money then? They have stolen the {$400.00} from me. This is criminal. Please investigate this
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (NJ)

TDBank was involve in a lawsuit due to fraud overdrawn charges to a massive of clients in their bank accounts. If I am not mistaken this lawsuit took place between the years XX/XX/XXXX-XX/XX/XXXX. My account was part of this lawsuit. Due to a loss TD Bank sent refund checks to their clients. Unfortunately, I misplaced my check and found it a week after deadline to cash it. After this issue I find out this amount was in a consumer report collection and I was unable to open an account at a Federal Credit Union. I disputed this situation with TD bank, main office, and with XXXX XXXX, XXXX XXXX , XXXX. I presented copy of the check and other documents I was able to find along with my statement but it was failure. I was unable to clear this collection. 

After 2 or 3 years I received in XXXX 2015 a settlement letter from XXXX XXXX , XXXX. I feel exhausted disputing for this amount, TDbank have a horrible customer service when it comes to dispute these type of situations or they can not accept the truth. 

My huge interest is to clear all my collection accounts, which for different reasons whether was a default of my end or inevitable situation to handle. I am in a status to work my credit to a great credit.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (OH)

Amex recently had XXXX offer on their website. However, this offer ca n't be added to my card due to their technical difficulties. I called them to solve this problem. I call them twice and chatted twice. 
First call and chat happened at XXXX, they told me they would call me back with a solution in 24-48 hours. 
Second call and chat was made on XXXX and XXXX receptively, dial rep promised this had been escalated and would return to me in 24 hours. I waited 24 hours, no call back. Then I chatted with online rep and she promised would note their end and call me back in 24 hours. Till now, still have not hear any response! 

The key point is Amex reps kept promising their service and they are not any service for me. If an customer promised a payment and did not pay, their collection team would call us million times and bring down our credit score. Vice versus, If A creditor keep promising but does not do anything, how do we protect customer ourselves? NO! can we de-credit them? NO. I hope CFPB can step into this salutation. Please stop allow any disparate between a customer and a company!!
Consumer complaint received 2015-12-13
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX my wife and I had our XXXX Kia Optima was repossessed by Kia Financial, they violated the California Breach of Peace of Repossession law which is illegal by entering a gated and secured premises without property owner 's permission. We thought the car was stolen so we called our local police department and they told us that the car was picked up from some repossession towing company hired by Kia Financial and they provided the number to the towing company. We called because we still had our personal belongings left in the vehicle and the driver said we had to pay him a {$25.00} cleaning fee to get our stuff back. Which is illegal. We never received a post repossession notice and we do n't know if the sale of the car was commercially reasonable or how it was sold, but Kia is saying that we owe {$7500.00} for the balance on the car but they never sent us any information about the car stating this amount or any thing. We recently contacted Kia financial back in XX/XX/XXXX to try and resolve this matter and we requested the information about the car and what they said we owed, and the lady told us that she will send it by certified mail and we will receive it in a couple of days and to this date they have not sent anything to us, but she did try to get money from us for the balance.
Consumer complaint received 2015-12-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

I attended XXXX XXXX, XXXX ( formerly owned by XXXX ) from XX/XX/XXXX-until they shut down unexpectedly in XX/XX/XXXX. I was not allowed to finish my program but WAS left with all my student loans and huge debt for NOTHING in return. Referring to an article posted on Consumer Finance 's website on XX/XX/XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. My credit history has been badly hurt because of the loans taken out for me to attend XXXX XXXX. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points. These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX. And for what? Greed?
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

This is a short sale with CitiMortgage. Everything has been approved except for the purchase price. The licensed INTERIOR value by a local XXXX appraiser who went out to the property was XXXX. CitiMortgage 's employees in XXXX pulled computer comps and are demanding XXXX with no doubt the outstanding balance in mind ( not fair market ). Short Sale Lenders are to use the actually licensed Appraisal, but CitiMortgage is taking it upon themselves top use their own computer comps. They even told me..no one was supposed to tell you that bank ordered value.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MO)

I have a Citi XXXX issued by Sears. I used this card to have a $ XXXXpurchase in sears store XX/XX/XXXX. I updated my address in sears. 
I changed my address in the local post office. But I never ever receiveda bill mailed to me. Because I do n't use this credit card too often, and alsoXX/XX/XXXX is a holiday season, I do n't remeber this bill. 
Today, I got a call from XXXX to say I have a bill for {$240.00}, which inculde the late fee XXXX. I do n't think it is my fault to cause the latepayment. I beleive there is Something wrong about the bank or sears'ssystem. 
When I called sears, their custom service told me they just update myaddress on XXXX XXXX. I already update my address on the day I did thepurchase. 

I definitly would like to pay {$68.00}, but I request waive the late fee. becauseit is the bank or sears 's responsibility. 
I called them, also, I sent a email to dispute ( XXXX This issue have n't been resolved. 
My reference number is XXXXMy card number is ****************
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC (VA)

I sent XXXX letters XXXX to get the 1099C that is required when a debt is written off. They have failed to provide information. The sold the account and now a third party is trying to collect on a debt that is written off and closed.
Consumer complaint received 2015-05-31
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My XXXX XXXX spouse and I were married XXXX XXXX, XXXX and purchased our home jointly in XXXX. In XXXX we were interviewed telephonically prior to obtaining a reverse mortgage in XXXX. We were told that if I quit claimed my half of our property over to my husband we would be able to withdraw an adequate lump sum to pay a low cost loan from the County of XXXX used to upgrade and resolve much needed repairs to our aged home. In XXXX my husband renewed the reverse mortgage for additional upgrading and to purchase a used vehicle for me. 

I was married to my husband throughout the term of the HECM, and there are no invalidating claims against the mortgage except my husband 's death. I have maintained the required insurance and taxes in good faith that I will be permitted to remain in my home of XXXX years. 

I have been able to follow the various federal court cases in XXXX, addressing reverse mortgages as they apply to non-borrowing surviving spouses. 
HUD was admonished by the court in XXXX for not providing relief for Non-borrowing Surviving Spouses. In XXXX HUD addressed and resolved some HECM issues for non-borrowers residing in the borrowers home at the time of the HECM. However there remained no relief for Non-borrowing Spouses if the XXXX was obtained prior to XXXX XXXX. 

In XXXX XXXX, HUD set forth a list of requirements so that individuals such as myself could remain in our homes until death. In XXXX XXXX, a Class Action was filed against HUD, in part, for financially discriminating against Non-borrowing Surviving Spouses in that the financial requirement listed was cost prohibitive. Within a few days, HUD rescinded all requirements and permitted all lenders/mortgagees to offer a XXXX day extension on foreclosure proceedings being XXXX XXXX, XXXX. At that time our lender, XXXX XXXX Bank postponed the Trustee sale of our home to XXXX XXXX, XXXX. 

If our home is sold at auction, I will become homeless and since I am on XXXX only, the irony is that I will have to apply to HUD for help to find a place to live. 

I am hoping to get HUD to offer Financial Freedom the opportunity to either extend my husband 's HECM until a final court decision is rendered or for HUD to except the HECM from Financial Freedom, since the only default is that the borrower died. 

Thank you so much for any assistance you can offer me, I can not afford counsel and have been handling all communications myself since my husband 's passing on XXXX XXXX, XXXX and the first posted Trustee sale date in XXXX XXXX. 
On behalf of Financial Freedom, I wish to state that they have been very gracious to me and have shown a sincere willingness to help me remain in my home. 

Respectfully submitted
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service (GU)

I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in XXXX XXXX.
Consumer complaint received 2016-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO. (IL)

Hello, I graduated from XXXX University several years ago. I received a private loan from Chase. In XXXX of 2015 I lost my job due to election. I requested assistance. I received 2 months of deferred payment. When I requested additional help I was told inaccurate information. I made several phone calls requesting assistance and was informed I should call back in a month to see if I qualify for other programs. When I called, I was informed I defaulted. When I explained that I was following the instructions of their representatives they explained that I should write a letter to the lender requesting assistance, send the letter to them, and they would forward it the lender. Again, I did as instructed. The response from the lender was a an accelerated bill stating I owed the full amount of the loan.