davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (FL)

Was sent new unsolicited cc by barclays and they cancelled my cards because they said they sent me new unsolicited upgraded cc and i never activated the new one. THEN THEY SAID I ACTIVATED THE NEW ONE AND USED THE OLD ONE BY MISTAKE. NOT POSSIBLE I CUT UP OLD CARDS WHEN NEW CARDS COME IN.
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I have been contacted by USAA seven times today. Five times within one and a half hours. I had n't been answering the calls and when I did finally answer the call I spoke with " XXXX. '' He informed me that it was " irrelevant '' as to how many times he contacted me as long as I had n't answered the phone. I am submitting this complaint to inform XXXX and USAA that their collection methods are annoying and harassing and I would like it to stop. I will be submitting a written letter and request to USAA as well.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (LA)

I obtained a loan from Tower Loan on XXXX for the amount of {$2500.00} for funiture that my son needed. 
My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated XXXX XXXX, XXXX and there were no late payments reported on that credit report. 
I started receiving calls from Tower Loan representatives in XXXX, XXXX threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could possibly be emergencies from family members. Since I did n't recognize the numbers that called, I would answer. ALL of the representatives from Tower Loan have been abusive and agressive in their communication with me. One representative imparticular told me he pulled my credit and that it looked like I was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. 
First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. 
I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. 
I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. 
Thank you for your time
Consumer complaint received 2016-05-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was awarded a settlement against Capital One Auto for an illegal repossession on XXXX XXXX XXXX. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for XXXX XXXX XXXX at XXXX. However, I paid Capital One what was needed to retrieve my car back before it was sold XX/XX/XXXX, afterwards I was given the car back from XXXX XXXX who held the car at the impound lot. Afterwards, I paid Capital One Auto the next scheduled auto payment. Afterwards, Capital One disbarred me from accessing my online account via the XXXX. I informed my consumer justice attorney and previous bankruptcy attorney that I was having trouble making payments to Capital One Auto. I was told that because I filed bankruptcy that I could n't make payments to Capital One Auto until after the bankruptcy was discharged, even though I wanted to keep the car. I was also told that because I have a pending lawsuit against Capital One Auto for the vehicle that I 'm not supposed to make any payments to Capital One Auto. I contacted XXXX XXXX to handle the illegal repossession in XXXX XXXX and hired XXXX XXXX XXXX XXXX to handle the bankruptcy proceedings. I immediately put the XXXX in touch with each other in XXXX XXXX. I have emails showing that I was contacting both attorneys to make a payment since XXXX XXXX and screenshots of Capital One Auto who removed my account. I informed the bankruptcy attorney that I wanted to reaffirm the car but he stated that Capital One Auto did not want to reaffirm the auto. I was then told by the consumer justice attorney that it was because Capital One Auto would be settling and I would given the car. Now, Capital One XXXX is suing me to recover the auto, which should be dismissed.
Consumer complaint received 2017-11-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (AL)

On Wednesday, XXXX XXXX XXXX I received a call at work from a bill collector that I was unaware of. I 'm not allowed to get calls at work unless it 's family emergency. I ask the man to not call me back at work and if I owed this debt to please send something in writing to my address stating I owed this. On Thursday, XXXX XXXX I received several calls from this same person and due to the calls I was fired today. So if I owed this company anything, they wo n't be getting a dime now due to me losing my job because they kept calling when ask not too!
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Riverwalk Financial Corporation (TX)

I previously filed complaints with the CFPB & other agencies against XXXX XXXX XXXX for abusive business practices relating to an unsubstantiated collection account. ( Case number : XXXX ) XXXX XXXX XXXX responded to my complaints and deleted the unsubstantiated collection from my reports and stated that they were closing the account. Shortly afterwards, another collection agency DeVille Asset Management placed the same unsubstantiated collection on my credit reports. After years of abusive and illegal behavior from XXXX XXXX XXXX, they appear to have done nothing but pass this unsubstantiated collection on to another collection agency. A few days ago, I received a letter from DeVille Asset Management, LTD stating that I MUST pay by XXXX/XXXX/2016 or it would result in further action being taken against me under all available remedies. This letter was not in an envelope but sent simply as an already opened perforated piece of paper. The credit reporting agencies have placed security alerts on my credit reports. I have also filed formal complaints with the office of the TX Attorney General.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ONLINE Information Services, Inc. (OH)

I have a a unverified account from Online In Services. I had previously disputed this account. I have never done business with Online In Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatOnline In Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Online In Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I have had a XXXX 's store credit card since XXXX. On XXXX, XXXX XXXX XXXX, I was shopping at the XXXX 's store located in XXXX XXXX, Illinois. When paying, the clerk asked me if I wanted to " upgrade '' my regular XXXX 's store card to the XXXX XXXX XXXX XXXX. I expressed concern that I had rewards accumulated under the XXXX XXXX XXXX XXXX and had also enrolled XXXX XXXX XXXX  and that I did n't want to lose those benefits. The associate assured me that when I received my new card, I could simply call in and have those rewards and program transferred. 

I received my card, called as instructed, but have not been able to get my XXXX Rewards transferred. This entitles me to free shipping and XXXX XXXX back in rewards on XXXX 's purchases. Resetting this, because it 's treated as a new account deprives me of the benefits that I have earned. 

I called again on XXXX, XXXX XXXX. I waiting on hold for more than an hour to speak with someone in the XXXX department. It was suggested by the customer service agent that they have someone call me back instead. They have never returned my call. 

I called today, XXXX, XXXX XXXX. I was given the same run around. I am still currently on hold waiting to speak to someone in XXXX. It was suggested that I simply close the new account and revert back to the regular XXXX 's store card. But that is not a solution because of the damage the additional credit inquiry did to my credit score. It also affects the Average Age of Account. XXXX 's needs to fix my rewards tier or figure out a way to make this right. At this point I feel like I have been defrauded by XXXX 's into signing up for an account I do n't need and deprives me of the benefits I have already earned.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

Hello my name is XXXX XXXX, I am writing you because AFNI creditor is showing up on all three of my credit report. It is a XXXX XXXX XXXX bill in the amount of {$100.00}. I pulled my credit report a couple of weeks ago and I noticed this collection in my credit file. I called AFNI because I never opened an account with XXXX XXXX XXXX. The account is under XXXX XXXX and my name is XXXX XXXX. I have called several times trying to get this issue resolved. To add insult to injury the representatives I spoke with were extremely rude! This is not my collection account and it is ruing my livelihood. I am a victim of " IDENTITY THEFT '' I also a victim of Hurricane XXXX. I lost everything I am trying to get my life back on track. I am asking you to please assist me in this matter. This is not my collection and it is not fair for this collection to be reporting on all three of my credit reports.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I opened up an checking account with Citi in XX/XX/XXXX over the phone to sign up for the {$400.00} promotional offer with code XXXX. The offer requires that I open an account before XX/XX/XXXX then deposit {$15000.00} within 30 days of account opening then wait 90 days before the {$400.00} is deposited. During the phone process, I gave the banker the account information from another bank for them to take the {$15000.00} once Citi is ready. When I finally receive the paperwork including the XXXX verification in the mail, I noticed that my name is mispelled XXXX XXXX instead of XXXX XXXX. I crossed that out and corrected it and also call it in. The person over the phone claimed that Citi will have to resend another XXXX in the mail for me to sign and will send me the revised version to my email. However, I did not know that also got my email incorrect ( XXXXXXXXXXXX instead of XXXXXXXXXXXX ). As a result, I did n't receive my XXXX until 2 weeks later. That in addition to the original 2 weeks to receive the paperwork mean 4 weeks has already passed. As soon as I receive the 2nd XXXX, I called in to ask for a fax number for me to fax in the correct form and also send it in via mail as well. Citi claimed after multi days that they did n't receive my fax so I had to fax it in again. After multiple attempts and multiple calls, Citi finally said that they have my XXXX and confirmed that my account was opened. It took another week or two before the {$15000.00} deposit was made using the original instruction from XX/XX/XXXX. I had to call in multiple times but each time the bankers said that the system should process it when it recognize the account has been confirmed. During these calls, I had asked about my promo status as I know the deposit would not make it in time. The bankers mentioned that it should not be a problem and that they put notations on the account that it was n't my fault and it was due to an incorrect name in the beginning. Since XX/XX/XXXX after it passes 90 days waiting period and with the bonus still not in my account, I have opened up multiple cases with Citi to get the {$400.00} bonus. Each case was rejected by the back office with the standard argument that I did not deposit the money within the 30 days period. The bankers that pick up the phone agreed with me after looking at my notes but all said that they ca n't communicate directly with the back office ( dispute department ) that handles these cases. The bankers thus kept on putting in new cases for me hoping the back office would read the notes and understand that I had no control over the deposit and that it was delayed due to an error by a Citi banker that opened the account for me.
Consumer complaint received 2016-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Premier Portfolio Group (CA)

I have recieved five calls from a company representing themselves as Premier Portfolio Group asking for my husband. When I stated that was not his number they proceeded to tell me he bounced a check, they have his social, and they are with an attorney who is filing a law suit at the end of the day today ( however they 've said this for several days in a row now ). When I asked them to stop calling and informed them that it was illegal for them to leave these messages they curse at me and then hang up. 

My husband and I have a joint account and there are no outstanding bad checks on that account, so this can not be a legitimate debt.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my wife 's report, other just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the same agency that removed them previously.
Consumer complaint received 2016-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: STUDENT ASSISTANCE FOUNDATION (VT)

In XXXX I contacted the company that was servicing my student loan and requested a payoff amount. I was given that amount and paid the balance I was given as the payoff amount. Ten years latter I was contacted XXXX stating I had an out standing balance and with interest had grown to a large amount of about {$3000.00}, they started collections. I can honestly tell you I did not receive ANY correspondence regarding this outstanding student loan during the time period of XXXX. I was monitoring my credit report and never did anything appear on my credit report. In XXXX after I started receiving notices of collection from XXXX on a student loan I assumed was paid-off. I started digging into this matter with XXXX and found out that I was given the wrong payoff amount. Since I was provided the incorrect pay off I tried to negotiate with XXXX to pay the balance only that was outstanding, not the interest that had accrued. I had a meetings with XXXX in XXXX, wrote numerous letters to the XXXX governing agency 's to work with me on this matter and except some responsibility for the error. At each turn I was told I had to pay the full amount. I was not going to pay the full amount plus interest because I had already completely paid the loan off XXXX the full amount I was given. Now 14 years latter I am still battling against this student loan and accruing interest. Not one agency that has been involved with this loan is willing to acknowledge they was an error made in XXXX that has caused me countless years of trouble. I need to find out what agency or person I can speak with that will look into this matter and make the determination that in XXXX I paid the payoff amount I was told. And yes that amount was incorrect it was not your fault. Pay the remaining balance that was due in XXXX and this student loan will be considered closed. I have always been willing to pay the original outstanding balance I just am not willing to pay any of the accruing interest. I was not hard to find in XXXX, XXXX XXXX and so on ... .. 
I am at my wits end. I currently am on a IBR plan and called once again to see about just paying the original outstanding balance. I was told ; wither you pay this loan or not at some point in the future we WILL get our money from the government. Great incentive to work with people who might be in similar positions. Or maybe I am the only XXXX in this type of position. 
Hope there is some guidance or help out there for my situation.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

This issue was discovered today XXXX2017. I reviewed my account online and noticed a charge of {$140.00} from XXXX XXXX XXXX XXXX ( XXXX, TX ) which I did not authorize. I called my Bank Navy Federal Credit union to ask that the charge be reversed. I was told that even though the funds had been pulled from my account I would have to wait for the charge to post. I told the bank I did not authorize this charge from XXXX and that this is theft. I concluded my business originally with XXXX in XX/XX/XXXX. My Insurance company XXXX  procured a rental for me due to hail damage on my vehicle. I was charged a {$50.00} dollar deposit on my card which was returned a week after I returned the vehicle. I did not authorize the {$140.00} nor received any correspondence that these charges would be made to my account. I expect restitution of the full {$140.00} taken from my account without my permission. It continues to amaze me that companies are allowed to engage in theft without consequences. Thank you for your cooperation and assistance regarding this matter.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (CA)

My US BANK PLATINUM VISA CARD FALSELY REPORTED TO ALL CREDIT AGENCIES that I made a late payment when in fact I had paid off the credit card for years! 
It is totally astonishing that US BANK PLATINUM VISA CARD company made such a huge error that has such a negative effect on my life. After years of building a perfect credit history, and paying off all my credit cards, I applied for a home loan only to find that I have a " LATE PAYMENT '' reported by your company ( Sometime around XX/XX/2016 ). I found that very alarming because I had just paid off my US BANK PLATINUM VISA CARD and my balance was at {$0.00}. After I paid off the US BANK 'VISA I was shockingly charged a {$2.00} 'interest charge fee ' ( on a balance of {$0.00} ) then a 'LATE PAYMENT FEE ' for {$54.00}?! Worst yet, I did n't find out until MONTHS later, after the company submitted a damaging report to credit agencies FALSLY reporting that I had missed a payment! These charges were quickly reversed. However, my credit score is STILL DAMAGED : I was refused a home loan because of US BANK PLATINUM VISA CARD 's FALSE CLAIM! 
How can such a massive heartless blunder still occur? What measures has VISA company taken to prevent this from happening to another innocent person in the future?! 
My request : send a letter of correction to retract your previous false report to all credit agencies with the same expediency and vigor which they erroneously charged my inactive account interest fees, then late payment fees and then falsely reported against my credit ... They did nothing.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated " physical address '' information, where requests were made through email. My wife and I have been Bank of America customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors, not to mention jeopardizing our relation with those creditors. Secondly, my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother, who is in her XXXX, is currently with her sister on travel, helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE, ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!
Consumer complaint received 2017-11-09
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNTRUST BANKS, INC. (CO)

We fell into financial hardship in XXXX of 2017. I am behind on my mortgage payments but I have been making partial payments to try and get caught back up. Sun Trust Mortgage knows my situation but they are continuing to make phone calls up to 5 times a day to the number provided. Obviously, someone 's financial situation does not magically change in just 2 hours between the phone calls. I have informed them of our situation numerous times but they continue with the calls. Like I state to them ... I am keeping the home and I will continue to make partial payments as I can financially afford them. I very much need to keep my home, and I am doing the best that I can to get caught up.