davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I charged a headset on a Bank of America card that was sold to me as an " open box '' item that was missing a part. I had to make multiple trips to the store and they insisted that I buy the missing part. I did so but it was the wrong part and the store admitted that they did not have the actual part and that I would have to buy a whole new unit. Since I had also bought a warranty that required the store to replace the defective item with a new one I wanted to do a trade ( the normal procedure ). The store refused and I told them I would be disputing the charge.
I disputed the charge but it was not processed in a timely manner. When the store challenged the the dispute I was sent a letter that arrived on XXXX XXXX, 2017 and gave me only until XXXX XXXX, 2017 to respond. I did so by fax but Bank of America refused to process my dispute.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AL)

Since I filed a bankruptcy on my medical bills, Wells Fargo is not reporting on my credit report. I did not file anything that had to do with Wells Fargo in the bankruptcy. Plus, the bankruptcy was finalized in XX/XX/2012. Wells Fargo is stating that they will not report on me for the remainder of our loan, which is 28 years from now since we recently refinanced. I can not get approved for a loan because of this.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

Over the past year, I have been discussing improper handling of my account as a business and not a consumer.
Most notably, my later of XXXX/XXXX/17 was responded on XX/XX/XXXXand repeated on XX/XX/XXXX.
As a consumer, not a business, I was switched by CitiBank to a XXXX  cardaccount to afford me a higher limit well over a decade ago. I was assured no other differences would occur.
My account and card list only my name without any business associated. However, my account is being treated like a business, not a consumer and requests are not being handled as such.
- Is XXXX aware that I am not a business and following procedures for a Consumer?
- Why is the account not following CARD and handling the highest APR items on the bill first?
- My interest rate escalated quite insanely during recent months. You have reduced it but I request a refund of the extra interest charges as the escalated rate. As a long-time customer, it would be appreciated as I believe Ive been unfairly treated as a business account.
Consumer complaint received 2017-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

Thank you for taking the time to read this letter.
Navient gross mishandling of my student loan payments has resulted in me receiving erroneous late fees, capitalized interest charges and negative reports being sent to the 3 major credit reporting agencies.
I have unsuccessfully attempted to get a straight-forward answer from NAVIENT Student Loan servicing for the last two years as it pertains to how my student loan account. My questions are specific to how my payments have been applied, why I have been charged 18 late fees ( some months I was charged a late fee twice in the same month ) in months that my payment was not late and why I my student loan interest was capitalized in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Navient continues to ignore my complaints.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Finance Company, Inc. (TX)

On or about XXXX I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization ). On XXXX I received a letter from the creditor stating that the account would be removed from my credit accounts. As of this statement the account was removed from XXXX credit bureau but remained on XXXX others- XXXX and XXXX XXXX I will attach the correspondence from creditor showing they agree to remove this account from all credit bureaus.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (IN)

XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary Jefferson Capital Systems , LLC v. XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX Jefferson Capital Systems , LLC Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For XXXX : Jefferson Capital Systems , LLC File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : Jefferson Capital Systems , LLC File Stamp : XXXX/XXXX/XXXX XXXX/XXXX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : Jefferson Capital Systems , LLC Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX Jefferson Capital Systems , LLC Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
Consumer complaint received 2016-07-28
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (OK)

I did money transfer to a bank account using Western Union on XXXX/XXXX/2016. The money was never received by the receiver. After that I called more then 15 times to Western Union to request the refund on this transaction. Every time I was assured that they have submitted a request for the refund and I should hear back in 24-48 hours. They never called me back and every time I call they keep telling me that someone will call me back within 24-48 hours and no one calls back. On XXXX/XXXX/2016 I spoke to a manager name XXXX ( operator id # XXXX ) and she assured me that she will call back in 24 hours which she never did. I would like to receive the fund back via check mailed back to my home address.
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (AR)

I received a flood insurance settlement check. The check was issued and posted to my account 3 weeks later than it was said to be. The check was put towards my line of credit and I have checks bouncing and being charged for a return fee, when the money in fact is in there. The bank is refusing me access to my own account funds and is telling me they need receipts to distribute out funds. ( for my line of credit ). I 've never had to do this before. I 've been a good customer of theirs for over 14 years and have been through several floods with them. My credit is being ruined, I ca n't pay my bills, or work on my house because I have to provide receipts for the items I purchase. But, I have to have money to be able to purchase anything. And I would be glad to provide receipts. Prior to receiving the check they agreed putting it towards my line of credit was a good idea. After the check was deposited without discussing it or giving any reason, they lowered my line of credit, giving me no access to funds available. Reversed checks they first covered and then returned them and charged me for them.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

Lender has set a foreclosure sale date during short sale review process. Short sale was submitted for review. DiTech mis-assigned the file and changed systems which created delays. Alleged correspondence from DiTech requesting additional documents never received. Although this is in loss mitigation review, DiTech has now scheduled a sale date and refused to postpone to review for short sale.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CO)

On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, USbank and myself it was determined the funds were sent to XXXX which was the previous owner of the card. On XXXX XXXX another XXXX way call with XXXX, UsBank and myself in which payment amount, date and trace numbers were sent. I contacted XXXX on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted USBank and was told the case had been closed and would reopen it. The representative told me he would call me XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (NC)

I recently contacted American Express regarding my XXXX credit card, and was told my account would be transferring to XXXX and I had no control over the $ XXXX in credit on the account. XXXX has severed ties with American Express, and have urged customers to get the new XXXX-issued card. I have had horrible and unacceptable experiences with XXXX, both in terms of their customer service and attempting to use their product. I absolutely DO NOT want another XXXX card. 

As I have been told by AMEX, an account holder can only have XXXX " line of credit '' with AMEX, the amount of which is divided among the AMEX cards issued to the account holder. I signed up for the XXXX XXXX XXXX card in preparation of the XXXX card closing, and transferred half my credit to that card. When I called AMEX I was told that the remaining $ XXXX ( still on the XXXX card ) was locked and I could not transfer it to the XXXX. Now I am stuck, because I either lose $ XXXX in credit by closing the account, or accept a card that I in no way ever signed up for issued by a bank that I do not want to do business with. I feel this behavior is extremely fraudulent and unacceptable. I NEVER gave XXXX any permission to handle or modify my account with AMEX.
Consumer complaint received 2017-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

On XXXX XXXX, 2017, we sent a payoff for a Navient-serviced student loan in the amount of {$6200.00}. Roughly 3.5 months later, Navient has failed to apply the payment to the loan, make a single phone call, or draft a single letter, or take any other action with regard to these funds. When contacted, Navient acknowledges the payment was mailed to their address on their website, received, and deposited, but was mailed to the wrong Navient address. This does not excuse their unconscionable servicing of these funds or their failure to make a single phone call, draft a single letter, or take any steps to apply the payment properly. Their confusing and misleading statements about a possible refund are no longer availing.
Consumer complaint received 2017-07-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (GA)

Back in XX/XX/XXXX I submitted a claim to have my loan discharged due to the school being sued for falsely advising students that they will be able to find work after completing the XXXX program. In XX/XX/XXXX I got an email stating that my loans for this school which was XXXX had been approved to have the loan discharged and to allow 60-120 working days. Today is XX/XX/XXXX and the loan has yet been discharged and still effecting my credit. Please be advised that I receive notice that my loan payment is coming up so I had to defer them again which is causing more Interest to be applied on my loan and I have been working very hard on my credit. Attached please find a copy of the email that was sent to me on XX/XX/XXXX stating it was approved, I have also tried to reach out to the number and email address associated in the email and no reply or response. Also a few days ago I received a letter regarding this school and how to apply to have the loan discharged nut I have already went thru these steps and just waiting on the loan to be financial discharged and see that balance decrease from my debt to ration income. Please help me get this issue resolved.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (OH)

We had a credit card with Aspire, which we had paid off the entire balance of in XXXX of XXXX. Following the fulfillment of this payment, we called and then cancelled the credit card in the same month, seeing as we did not want to continue with the card. After a report from XXXX, we learned that Aspire had reported a 30 day late payment on the card ; which not only damaged our credit reports, but also was not communicated to us in any way, shape or form. We called Aspire as soon as possible, and spoke to a XXXX XXXX in the collection department. XXXX then claimed that this {$39.00} dollar fee was an annual renewal fee, having not been informed of this charge ; as previously stated, we did not act on it. This then, when added with late fees that we did not charge, totaled to {$130.00}. Additionally, there is the fact that the card was cancelled in XXXX of last year. XXXX attempted to have us pay the balance off, however, as we stated the card was cancelled 5 months prior, and we had not made any purchases or charges on the card, which has been destroyed following its cancellation. After speaking with XXXX for approximately 30 minutes on XX/XX/XXXX, we ended up speaking to their supervisor, XXXX XXXX. XXXX XXXX is sending this to the resolution department to have the fees removed from the account and to make another attempt to close the account. While this is a part of the issue, the main concern is the fact that this is now displaying as 30 days late on my credit report and the removal of this occurrence from the report is my utmost priority. I had been told by both XXXX and XXXX that this is not a guarantee, which is unacceptable, given that the balance on the account was not of our doing.
Consumer complaint received 2017-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC (SC)

I originally had a auto loan with Global lending services and the car was repossessed. I was not given a demand letter showing that the car was up for repossession. After the car was sold at auction I was still not given a chance to take car back if I made payment to get it back. I was supposed to be given 10 days. I do not feel Global Lending gave me fair warning or notice of default and the repo should not be placed on my credit for those reasons. Global lending account opened around X/2013 Account Closed and updated to show balance XXXX XX/X/2013. orginal car was around 15k
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Harley Davidson Financial Services Inc (MD)

Under law 15 U.S. C 1681I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and only want true information about me reporting. Please remove this inaccurate information as you are in violation After reviewing my credit profile on XXXX I identify a discrepancy with account I did not recognize. I reviewed my credit again XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there has been no updates and account is still reflecting on the report. I do not believe that the creditor has authorization to access that account nor authorization to collect on the account and the account negatively affects me. Please strike and remove this account from 3 credit bureaus.
Consumer complaint received 2016-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, XXXX dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only been using XXXX digit entries for routing number and account number. Unfortunately, my checking account number is eleven digits long. The system has only been using the first XXXX digits of my XXXX digit account number that is entered- which in turn has caused the error- resulting in the above mentioned grievances. The company has made no attempt to rectify the situation. I can only wonder how many others have been unfairly charged fees, penalties, added interest, and have had negative credit information reported, all because of a system issue on their end.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

I applied for an American Express Platinum card XX/XX/2016. The advertised offer claimed that after meeting {$3000.00} of spend within 3 months ( not inlcuding membership fees ), I would receive XXXX Membership Rewards points. I completed the minimum spend and received the XXXX points within 3 months. on XX/XX/2016, American Express removed the XXXX points from my account, stating that I violated terms and conditions, which I did not. I believe that American Express violated the terms of their offer and removed points that I earned without merit.
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is reporting an inaccurate account on my credit report. They are stating on my credit report that an account was included in bankruptcy on XXXX XXXX, 2012 when my bankruptcy was filed on XXXX XXXX, 2012. I sent them a dispute letter to verify all this information and it was ignored. I disputed with the credit bureaus to get this account updated as well and they continue to report the inaccurate information.
Consumer complaint received 2016-06-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

Allied Interstate called my number but did n't leave a message. I looked them up on the Internet and found out who they are. I have just completed a line of credit and a new car loan and my credit scores are excellent. No one has submitted my name for collection. I put them on block on my phone because they were calling four times a day. It will ring once and then hang up on them. They have been calling for weeksXXXX four calls a day. This is harassment as I am on the Do Not Call Registry. Their claim to others who have been similarly harassed is that the person they are looking for must call them and ask to have the person being harassed 's name be removed from their calling list.