davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I did n't receive my {$25.00} reward from the BOA 's better reward credit card in XXXX 2015. According to their rep, it was because I did n't make any payment in XXXX 2015. However, I got couple refund from different merchants and I applied my previous reward credit to that statement, which made the balance became {$0.00}. The rep said in that case I should over pay in order to get my reward, which does n't make sense to me, as most financial institute do not allow over pay a credit card. And without somebody explicitly tell me to do so, no consumer would assume that applying reward credit does n't count as payment, and as said, it does n't make sense to over pay a credit card.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (NJ)

The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ). 

Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

A bank foreclosed my property, which I did n't have any loans with, and they were helped by the Law Offices of XXXX XXXX. I believe the bank was bayview loans, but am not sure because nobody ever told me who was my mortgage company, after XXXX XXXX XXXX did n't finish the short sale I had going on with them, because an issue with the title of the property, something that if XXXX XXXX XXXX could n't do it, how come this bank bayview loans was able to do it? by forging a loan modification that I had with XXXX XXXX XXXX prior to the short sale. 2 years, after the real loan modification was created.
Consumer complaint received 2016-02-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: YKS Acceptance, Inc. (CO)

I was over charged for a vehicle that I had purchased from Herbies Auto Sales located in XXXX XXXX XXXX XXXX, XXXX, CO XXXX on XXXX/XXXX/2012 and it was reposed because I found out they over charged me for a vehicle that had a salvage title. I refused to pay them and I told them to come and pick up the car witch they did they then sent it to collections and I have had trouble purchasing a vehicle since. Please help me I have written letter after letter to the XXXX and they refuse to take this off my credit report. Please help me to dispute this thank you.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AL)

The new servicing company did not send out their notice no less than 15 days PRIOR to them receiving the transfer. They are now telling me the Federal law states they have up to 60days AFTER transfer to send me a letter. They are refusing to take my payment ( s ), give me date when they will start accepting my payment ( s ). They said I would just have to wait till they sent me a letter and called with the info, but would take aporx 60 days! I should just " hold on '' to my payment till then ... There is something fishy about them, it 's like they are wanting you to get behind or something. 60 days would cause it to show late on my credit report and I 've NEVER been late with my mortgage before and do n't plan on it either!!! 
CSR : XXXX her XXXX : XXXX : XXXX XXXX, TX XXXX
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I sent a debt validation request to Chase XXXX XXXX, XXXX, they have not responded to my request. They have illegally foreclosed on my home in XXXX. I requested they send me the data from the original lender. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Chase Attn : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Alleged Debt Acct # XXXX To Whom It May Concern : Please be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Account Loan Data from the ORIGINAL creditor, Note and Deed of Trust Please provide me with MY WRITTEN AUTHORIZATION stating that I gave you my permission to sell my private information to any third party or debt collector under 15 USC 1692 ( c ) ( 3 ) ( b ). 
Provide proven facts with account loan attached from the ORIGINAL creditor and signed under Penalty Of Perjury. 
Identify the ORIGINAL creditor. 

As it stands now, you are a Debt Collector. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

Thank you, XXXX XXXX Sent by USPS mail
Consumer complaint received 2016-02-03
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I was given a prepaid reward card in the amount of {$1500.00} from my employer from Bank of America. It had an expiration date of XXXX that i did not notice. On that date i had a balance remaining on the card of {$580.00}. I called BoA on XXXX/XXXX/15 to get a new card and was told that they could not renew the card but would send me a check for the balance and it would take 7 to 10 days to get a check. I have not received the check yet and i have made 4 additional phone calls to find out why. During one of the calls, i was told that the check department might not refund my money that was prepaid since the account expired! I consider this stealing my money! I have not been successful in elevating my complaint beyond the lowest level person that answers the phone when i call the number on the back of the card. They keep saying they will make another check request but they can not find out if my money will be refunded. This is totally inappropriate as it is money that was paid to me from my employer and BoA should not be allowed to keep the funds.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$610.00}
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Bank of America branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at BoA ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I contacted XXXX online as I do once a year to check as I 've had many false and out right lies applied to my credit reports due to ex-wife of 14yrs+. So on XXXX XXXX, 2015 I went online to check and XXXX XXXX in an electronic response told me to contact Trans Union about my information as It shows that according to TU " I 'm not Me. " Wow people who do n't know me or has every had a copy of my XXXX SS Card or my Government state issued license, or even met Me can tell all others that I 'm not me. I called after going thru the email TU contact, then by phone from XXXX XXXX 2015, TU cleared off the collection on my account then w/o my permission they put a 90 day Identity theft hold on my account then reported to XXXX the hold and had then put the hold onto those agencies too after I had it removed from XXXX again as TU keeps reporting this false claim and I video recorded the conversation per the XXXX here NV. This will clearly show that XXXX has refused my email, phone, and mail request to cease w/ their abuse of my personal information as I do not use or wish to have them have my personal information as for over XXXX TU has blocked those I do give my information to is thru an contract or business agreement just incase of legal issue. TU reps and mgr all XXXX Called back on XXXX XXXX, 2015 all were rude, and w/o merit to demand that I send them my personal XXXX XXXX XXXX XXXX XXXX XXXX in order for them to remove an alert that TU put on w/o my permission as they claim they have the right to. More than a dozen times in less than XXXX mins the XXXX also refused to even when he could see that back on XXXX XXXX, 2015 I contacted TU online and on the phone to have false debits removed then. I explained that how can I verify and have them removed less than 2wks ago and now you will not remove what you see I have emailed, mailed, and called to have cleared within the 24hr period. Instead TU continues to violate my request for them to cease and decease w/ all false reporting, false filings, false report, falsely adding fraud / identity alerts and errors as I have no creditors, bank accounts, mortgages, car payments, no retail accounts, no loans, and no kind of lenders or credit cards. I also requested not to be solicited by any companies or phone calls. TU has refused in all forms of contact to stop but TU refuses and continues to abuse my privacy, name, and ability to be able to put deposits down to use equipment, update lease/ rental agreements, and other activities which require verifying your ID thru SSN in stores and rental companies
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I signed up for a credit reporting service with TransUnion for a XXXX dollar charge. Later I learned they were charging me {$17.00} a month. I have stopped the charge but they will not refund {$35.00} charged to my credit card account. I did not know there was a recurring charge when I signed up. 

I am a college student and just starting to use a credit card. If TransUnion had disclosed the monthly charge, I would not have signed up. It is not worth it to me. I believe this is unfair and deceptive. 

Will you help get my money back and have TransUnion stop taking advantage of people? 

XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (FL)

I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (OH)

I have a chase XXXX Mileage plus club card that has a hefty {$400.00} annual fee. The credit card agreement promises various benefits including purchase/return protection. I had purchased an item on XXXX and unfortunately could not return it since it was pssed 30 days and my credit card return protection allows this benefit & lt ; 90 days from purchase. I called chase to make a claim according to the promised benefit l, however after nearly 2 hours and 8 transfers I am being told by chase that I did not have this benefit. Which is clearly not the case. They still advertise this still on their website and in the credit card agreement that hey had sent. The customer service and the responses that i got from the benefits adminstrators was absolutely horrendous.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (CA)

I purchased a myfico XXXX report and on it I discovered that Target Credit Card has been placing negative information on my report. I no longer have a Target Credit Card and they have reported negative information to XXXX 25 times since XX/XX/XXXX, and XXXX has reported negative information 16 times since XXXX. I have called the credit agencies who told me to call Target as they could not help me, called Target and was told to call the credit reporting agencies as they could not help me. I want this false information to be removed.
Consumer complaint received 2016-02-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

My XXXX husband my a Chase XXXX transfer from his Chase account to my Chase account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my Chase account. When I inquired to Chase, they said it was accepted into a XXXX XXXX account ending in XXXX, via XXXX. I checked my personal XXXX XXXX account, it did not end in XXXX and the money was not there. I called XXXX, they said they only act as a clearing house for money transfers and that it 's a Chase issue. Chase says it 's a XXXX XXXX issue and XXXX XXXX does not find the money anywhere and says it 's a Chase issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (GA)

My husband and I each had a XXXX XXXX XXXX that we used to purchase round trip tickets from XXXX to XXXX last week. At the same time, we are both holders of the co-branded AMEX/XXXX - which entitles us to priority zone XXXX boarding, a convenient benefit since you can be assured that there will be ample room in the overhead bins for your carry on luggage. On our return trip XXXX from XXXX to XXXX, we were issued zone XXXX boarding, virtually guaranteeing no chance that there would be overhead space for our bags. Both my husband and I called both XXXX and AMEX and we were told by AMEX that it was a XXXX 'issue ' and told by Delta that due to the tickets being 'e ' class, they did not need to honor zone XXXX boarding. When purchasing the tickets, there was no mention of any restrictions that an e class fare carried. I presented my case to both XXXX and AMEX - that this was false advertising on their website - they capture customers by this fantastic benefit and there is absolutely no mention whatsoever that it is restricted to certain fare categories. XXXX supervisor went so far as to tell me to check the 'fine print ' area - I did that as well, no mention of restricting zone boarding to certain fare classes. She then told me that there is always the last statement, 'terms subject to change ' or something along those lines. They recorded several of the conversations when they were at the supervisor level, but all to no avail. In my opinion, this is a massive case of false advertising in the hopes of capturing large amounts of customers with benefits that they might/might not provide. Numerous individuals from both companies did not have an answer as to why the benefits were published on the website with no mention of any fare classes that would disqualify these benefits.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P. (DC)

This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.
Consumer complaint received 2015-07-02
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Key 2 Recovery, Inc. (IN)

I received a letter from a company called Key 2 Recovery , Inc. in regards to a debt that I owe. The amount this so called company says I owe is {$5500.00} because of an unpaid student loan with XXXX College. 
Now I called this collection agency about this so called amount and they said its for a student loan. Yes I did go to XXXX College, but the money I took out was through FAFSA which deals with the DEPARTMENT OF EDUCATION. 
So all the student loans that I owe will be repaid through and to the Department of Education and not through a collection agency. This agency made a mistake by saying that I owe them money that I took out from FAFSA ( which goes through Department of Education ) for my college courses at XXXX College.
Consumer complaint received 2015-04-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (TX)

My mortgage was transferred to XXXX Mortgage Services on XXXX XXXX, XX/XX/2015. I have made payments every month on time. To this day, XXXX XXXX, XX/XX/2015, they can not account for a {$3300.00} dollars they deposited to my account on XXXX XXXX, XX/XX/2015. Numerous emails and calls were made to locate the whereabouts of such payment. There response is " it has been escalated for review. '' On XXXX XXXXXX/XX/2015, my ARM was calculated and adjusted with the balance that did not reflect the missing funds paid on XXXX XXXXXX/XX/2015. I submitted bank statements and trace number of the missing fund they deposited allegedly into my account, however, they can not account for the payment. On XXXX XXXX, XX/XX/2015 they mailed me a letter, which states " your loan is in default. '' Since XXXX, XXXXXX/XX/2015, I have met my obligation paying my mortgage and provided approximately {$7000.00} in overage payment to be applied to the principal. They constantly say they will return my calls and locate the missing payment, but to this day this have failed to call nor locate the missing payment.