davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (NY)

I was trying to check my credit report because I was worried about identity theft ( i had just had one of my credit cards compromised, and copied XXXX. For whatever reason I used Experian -- I guess because they came up high in search results. They tell you it costs {$1.00} to check your credit report, but what I later found out is that they automatically enroll you in a {$23.00} a month credit monitoring service if you use this {$1.00} registration option. I am pretty adept at spotting online trickery when enrolling in things, and never suspected that a company that has my social security number, and maintains massive databases of credit records, would have one of the most deceptive and fraudulent registration forms I have come across in some time. I was unknowingly enrolled in this program, and only noticed after they 'd charged my credit card XXXX twice ). They are refusing to refund all of my money, because they say that I " knowingly '' signed up for their service. Because I called on the day they charged the second payment, they said they could remove that payment, but not the first charge the made a month previous. After XXXX this deceptive practice, you get a lot of results on consumer complaints website about many people being scammed by this. XXXXThere is no way its acceptable for any company to do this kind of deceptive marketing, especially from a credit reporting bureau, who has people coming to its site because they are nervous about identity theft, or any host of other personal credit issues. They should be forced to stop this practice immediately, return all injured parties monies, and seriously investigated to see if this is the kind of company XXXX can trust with holding their social security and personal credit information in online databases. 

I would have attached screen shots of their registration process, but their " fine print '' is below the fold. And in the space where they display the pricing information, they say nothing at all about enrolling you in a program that costs additional money down the road ( you have to scroll all the way to the bottom and read a dense paragraph to figure this out ). Just go to their website XXXX experian.com XXXX and go through the two screens of entering information for your " {$1.00} credit report '' to see what I mean. 

I also called them, and after they deflected my attempts to get a full refund, a manager finally referred me to an email address for customer service request. I 've attached my email correspondence with their " customer service '' reps, which was unsuccessful at any further resolution. 

Thank you
Consumer complaint received 2016-01-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Called bank of america XXXX XXXX to fix my HELOC variable rate. was told by customer service that the rate was to become fixed at the end of the draw period in XXXX automatically. i explained that my paperwork said nothing about the rate being fixed at the end ot the draw period.. Called again the first week in XXXX XXXX to confirm that the rate was fixed as my paperwork did n't call for a rate fix at the end of the draw period.I was told that it was fixed. Called bank of america in mid XXXX XXXX about another issue and inquired again about the rate. i informed the representative that i was told it was fixed and the representative said it wasnt ... ..and they could see the other inquiries to fix the rate in XXXX and XXXX. Funny how this misinformation was given me at the time the federal reserve was meeting to raise the rates ... I feel that i was intentionally misled by bank of america. even though my rate was ultimately fixed in XXXX XXXX it will cost me more per month than it would have if they would have been truthful with me initially. I 'm sure im not the only customer that experienced this. Would like to know how much money was stolen from consumers by this little scam ... ..
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I am getting 4 calls a day, including Sundays and early mornings, from an automated recording telling me I have debt to pay, then it says a number I need to call to clear the debt. I am behind XXXX payment of {$25.00}!!! I have closed this card due to previous unacceptable behaviors from this company. It is an Old Navy card.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc. (OR)

A woman who identified herself as XXXX XXXX of Simm Associatesleft a threatening toned message that I was to call her immediately about a debt that she is trying to collect on. 
she gave the number : XXXX XXXX XXXX XXXX XXXX gave me a bogus 'debt file number XXXX looked this number up in the reverse directory. It is identified as a telemarking number with multiple extension and numerous complaints attached to this specific number. 
I DO NOT HAVE ANY OUTSTANDING DEBTS. 
THIS PERSON CALLED ME AT MY WORK NUMBER!! 
This website notes this specific number has XXXX complaints!! 
http : XXXX # XXXX
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (NC)

CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (WA)

I am writing regarding a rewards credit card. My points earned in XXXX posted the account in XXXX. I had earned {$1200.00} worth of points/gift certificates in the period for the posting date ( 30 days later ) of XXXX XXXX. The points were redeemed for target gift certificates. After redemption, per Citicards agreement Citibank has an additional 30 days to mail the earned points certificates to the client. On XXXX XXXX I received an email from Citicards notifying me that the {$12000.00} worth of gift certificates had shipped. When I contacted them on XXXX after not receiving the gift certificates, I was told by a " supervisor '' that the gift cards were not able to issued by their vendor with no apology and that the points are now being reposted to the account but wo n't be available until XXXX XXXX, and that Citibank/Citicards will ship them 30 days after they are redeemed again. 

As a consumer, there is an agreement. My points take a month to post and then when redeemed the credit card company processor has 30 days to comply. The gift cards should have been sent by the latest date of XXXX/XXXX/15 however the order was unfilled without notice ( other than the email sent showing that they " mailed them '' ) due to Citicards failure to comply with their cardholder agreement. 
I was told by operation XXXX in the Florida XXXX order, Team # XXXX that it was " my fault because I chose not to get cash back and instead chose gift certificates '', which is why Citibank failed to comply with the cardholder agreement. 
I was then told that I would receive a call back 3 days later on Saturday, but it would more likely be Monday regarding this but there was XXXX INTENT upon doing anything or HONORING their cardholder agreement. 
At this point, Citibank 's negligence is shocking and their customer service is deplorable. I signed up for the credit card after being a Citibank customer for 10 years, with the intent to follow the credit card holder agreement but yet Citibank has illegally failed to do so on their part. The rewards gift certificates will not even be received until XXXX XXXX at the earlier because of they wo n't repost to their system until XXXX XXXX and they have 30 days to send them from there. 

In short, Citibank is attempting consumer fraud by their complete disregard for the cardholder agreement and the failure to provide goods as agreed upon.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My husband got a bill from capital one in his name for a credit card that he did n't have, granted the balance due was XXXX..but our concern was who got a card in his name?? ..He called the fraud dept the next day and was told they were sending out paperwork he would need to fill out.. ( never got that ) ..but 2 weeks later got a balance transfer linked to same account..he called back ( they apologized and said they were sending out the paperwork ) ... never got it! ... today got another balance transfer letter with a DIFFERENT account number from the XXXX XXXX!! .So I called and was put on the phone with a supervisor who cut me off quickly to say she would not speak to me because my name was n't on the account..Well what have you done for the person who did call you XXXX and " These are NOT his accounts either '' ... .So my reply was welp I guess when there is XXXX of dollars spent on these cards..it will be on you..cause I bet you will wan na talk to me then! ... We do have several Capital One Accounts..And will be in the process of switching my credit card company ...
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (VA)

XX/XX/2015-Checked in one of XXXX hospital 's XXXX XXXX XXXX for XXXX. Was there for about 45 minutes before release. My XXXX was taken three times, XXXX XXXX and XXXX was done, they tried getting me to do an XXXX but I refused. Upon leaving I asked for my bill, they insisted on sending it to my house. I begged the receptionist to at least collect my XXXX % and she did collect {$49.00}. During the course of the next two weeks I received several bills from XXXX hospital, XXXX XXXX Hospital and XXXX XXXX Care all the bills were for the same amount {$1.00}, XXXX. I call the number on the bills and they all led me to XXXX hospital. I provided them with my Insurance Information, XXXX paid them a portion and I paid my remaining portion and it was over with. Exactly 1 year later now, I received this notice from a collection agency, it appears that someone got a Judgment against me for the said amount and sold my information to this collection agency without my being aware of any of this. According to the collection agency this information is already on my credit report. Please help me. 
My Information was sold to XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and the one who is now harassing me - Credence Resource Management LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone : XXXX. They also have a XXXX XXXX. address : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX. I do not know any of these people and have never done any business with them. If this his is how XXXX Hospital handles patients private and confidential information it really is a disgrace.
Consumer complaint received 2015-04-21
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: HANCOCK WHITNEY BANK (LA)

My wife and I bought a product called XXXX XXXX XXXX in XXXX XXXX. The purchase was contingent on XXXX XXXX XXXX XXXX XXXX, purchasing our XXXX weeks of timeshare at XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and we started the process. XXXX XXXX XXXX XXXX is located in XXXX Az. In the process of trying to close XXXX XXXX had me wire ( XXXX/XXXX/2015 ) {$20000.00} to an escrow account in XXXX, purpose to paid the taxes on the sale. This money was to be completely refundable at closing.. XXXX XXXX XXXX, 2015 told by XXXX XXXX that I needed to send another {$5100.00}, my half of the transfer fees. I did this. When it came time to close I called and was told that XXXX XXXX no longer works for XXXX XXXX XXXX XXXX. She was remove because she stole the {$5100.00} by having that money sent to a different account in XXXX. I have filed a complaint with the Better Business Bureau. I stopped the down payment that was put on my credit card. 

Please advise what action can be taken to get the {$20000.00} and the {$5100.00} back from XXXX XXXX XXXX XXXX. I can provide all the documentation and time table of events. My number is XXXX. 

XXXX XXXX
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score dropped from XXXX last winter to XXXX. I did n't know what could have been the issue since I pay my bills on time each month. I ordered a credit report and learned that XXXX XXXX who issued a credit card to my XXXX year old unemployed son two years ago reported to TransUnion and XXXX that I was delinquent in paying a credit card bill. I never applied for a card from XXXX XXXX, my son applied without my knowledge. My son was not employed on a regular basis when he received the credit card. He could n't find a full time job and has now returned to school to get a XXXX degree to try and find employment in his proposed career. He has been unable to pay off the {$1000.00} debt he incurred as a result of his unemployment status. XXXX XXXX sent offers to my home address regarding paying off the outstanding balance at a reduced amount. I suggested that he authorize me to negotiate on his behalf since I did n't want him to impair his credit which could negatively impact his job prospects. I had no knowledge that by doing so the bank would add me as a borrower and report the delinquency on my credit report XXXX. I called on his behalf and was unable to negotiate anything since the bank insisted the debt be paid off within XXXX months. I told them he could repay it within a year after completing an unpaid internship that is to hopefully lead to a paid job. I knew he did n't have the financial means to pay off the debt currently. I told the bank official I did n't want to pay off his debt since it would n't teach him a financial lesson. My refusal to pay off debt my son incurred on a credit card he should not have been issued resulted in XXXX XXXX reporting the delinquency as mine. I have spent years maintaining excellent credit and pay my bills on time and in full each month. The actions XXXX XXXX took by reporting my adult son 's delinquency as mine is wrong. I would like this investigated and would like XXXX XXXX to withdraw the negative credit report.
Consumer complaint received 2015-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Corporation (SC)

I have disputed this debt several times in which this company was sent a certified letter requesting validation of debt that supports their claim that I indeed owe this debt and the amount in question. Reporting this without the info requested is defamation of my character and it is affecting my ability to enjoy good credit. The FDCPA states I have the right to ask and receive the information that they have yet to furnish to me. I received a certified letter from Receivable Management yesterday that contained a copy of the letter I sent to them which I have attached to this complaint. By law reporting this debt without proof is a violation. I have also attached a copy of my credit report which is dated for today 's date and XXXX XXXX is still reporting it and I 'm not happy. I 'm requesting your assistance in helping me to resolve this matter fairly and quickly.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have been making bi-weekly payments that included extra funds to be applied to principal on my loan for about 1 1/2 years. In XXXX 2015 I received a check for {$640.00} from Ditech for escrow disbursement. Upon reviewing my account online I found where Ditech had applied my extra payments to escrow XXXX, sometimes XXXX in a month, instead of correctly applying the extra payments to principal. I have contacted Ditech with my findings and have repeatedly been told that there was no issue and that the multiple payments to escrow was legal. Once again, they sent me a check for funds that SHOULD have been applied to principal and reduced the interest charged to me. They refuse to acknowledge their error, despite the check copy that clearly shows otherwise. I have downloaded all of my data from their website that clearly shows this yet they refuse to correct. Please help.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Adjusters (IL)

I continuously get calls from a " XXXX XXXX '' with some collection service called " ACA. '' He calls my work phone number and threatens that something serious will happen if I do n't return his phone call. The number he leaves is XXXX. 

He harasses my human resources department as well. I need these illegal calls to stop.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the " IT '' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

Equifax is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX in my credit file. Equifax responded to my complaint filed and stated that " The FCRA allows bankruptcy information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for 10 years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.
Consumer complaint received 2015-06-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (WA)

In 2005, I went to XXXX XXXX XXXX. They directed me to Bank One JP Morgan Chase for private student loans. JP Morgan Chase approved, over the course of three years, XXXX {$30000.00} loans for a total of {$90000.00} to a borrower with stated income of {$24000.00} per year with a cosigner who also made {$24000.00} per year. The monthly payments for these loans is {$410.00} each, for a total of {$1200.00} per month. My income, after taxes, was around XXXX per month. The debt to income ratio would have been 77 % not including paying for a roof over my head and other necessities. In making a decision for approving a loan, the lender can not assume any other factor other than the stated income of the borrowers. XXXX XXXX XXXX cancelled my program before I could graduate. As a result I, of course, defaulted on the loans. They have been turned over to XXXX XXXX XXXX, a debt collection agency, that took me to court without informing me and got a default judgment in XXXX County, WA for a debt now for over {$150000.00}. I have been terrorized by those debt collectors for ten years. I literally see a psychiatrist for stress and anxiety due to this situation and I can direct you to his contact information if you require proof of that.
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Stenger & Stenger, P.C (OH)

In XXXX 2015, I received a court summons from Stenger & Stenger for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from Stenger & Stenger asking for a motion of default judgement against me. I was never contacted by XXXX XXXX, their client, nor was I ever contacted by Stenger & Stenger before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up XXXX XXXX and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?
Consumer complaint received 2016-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is XXXX.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen took over my loan from XXXX. It has been nothing but a nightmare since. Ocwen stated that I did not pay my property taxes, so I paid them the deficiency that I owed. After this this ( XX/XX/XXXX ) they have continued to add fees without explanation. The long story short is that each month Ocwen creates new fees out of nowhere. When I try to call to discuss and get an explanation for the fees, I get transferred to a specific guy in XXXX. He will not listen to anything that I have to say. He just repeats himself over and over again or continues to change his story. This has been going on since XX/XX/XXXX. Can you advise what I can do for help? Note : the customer service department had originally fixed everything. Then the research department ( out of XXXX ) reverted everything back the mess it started as. For several months I received several different statements montlly none of which matched. Upon more complaints, they stopped the correct versions of the statements. I finally stopped calling them after a year 's time and looking on line for help. Please help!