davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

My mortgage lender, Seterus, Inc., sent a letter and coupon XX/XX/2016 stating that I had a projected escrow shortage of {$8.00}. I included the payment coupon and the additional {$8.00} with my regular monthly payment in XXXX 2016, for a total payment of {$550.00}. The company has received the payment and cashed the check, but have credited the entire amount to my escrow account and show that I have not made an XXXX 2016 payment. I have been in telephone contact with Seterus, Inc iand spoken to XXXX XXXX ; XXXX XXXX acknowledges receipt of the funds, but states that they can not move my payment from my escrow account without written communication from me, which is only accepted by U.S. Mail. There is no way to send this request electronically. The result is that I will have late fees, that should not be charged to me as my payment was in their hands long before it was due. I am sending the letter but find that Seterus, Inc. business practices are predatory.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me a check for harm incurred during my " HARM PERIOD '' which spanned 2 years XXXX XXXX XXXX  for witholding funds from me during that time period. 

Included int hat letter they stated that I may apply for additional compensation via XXXX XXXX website. I applied in XX/XX/year>. Multiple emails back and forth from XXXX asking for additional documentation showing the harm I incurred during my harm period. 

I suffered XXXX reposession approx. $ XXXX. XXXX eviction approx. $ XXXX. I lost XXXX separate vehicles during that time, each vehicle worth under $ XXXX each. 

They also stated I could apply for fees charged by instiutions for missed payments and fees and interest charged etc. 

I am attaching XXXX of the documents i included or later uploaded in response to their XXXX separate requests for additional information. This spanned from XX/XX/year> to XX/XX/year>. 

This was very cruel. They say you can apply for additional compensation if you incurred serious harms such as evictions and reposessions during your harm period, which I did. And I showed proof of. Only for them to make a final decision saying that I did not show proof of harm incurred during ym harm period. THIS IS A BLATANT LIE AND UNTRUE. 

After their final decision, they state that the decision can not be appealed or re-decided. 

Please help.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Conn's, Inc. (TX)

XX/XX/XXXX /XX/XX/2016 I purchased credit with Conn 's and obtained XXXX laptop. About XXXX months later I noticed keyboard key sticking. No food or liquids were ever spilled or near the said laptop. So I used a dust buster in early XX/XX/XXXX to possibly remove the problem. Did not help at all. They keyboard eventually went out and I had given prior notice to Conn 's and they gave me instructions on when to take my defective laptop into their XXXX @ XXXX location, where it had been purchased. So, about XX/XX/2016, I took in the laptop for repair. As time passed and no update, I started phoning Conn 's and was eventually informed that the part to repair was the delay. When I asked how long it would take no one knew. Another week passed and no one knew arrival of part. Third week, I demanded to speak to repair XXXX but he would never answer his phones. Again, I contacted Conn 's and requested to speak to corporate office. Only then did I get the answer that it would be XX/XX/2016 before the part would be in. I have already been out of money in having to travel across town XXXX XXXX, Texas XXXX and use another laptop and then having to produce our weekly newsletter, providing ink and such. 
No expediting. XXXX hours before corporate will review my request. I need my data ( documents, videos and pictures ) and a new XXXX laptop immediately. 
XXXX the computer repairman called me this morning, XX/XX/2016 around XXXX a.m. Said part is taking too long and that a new laptop is being requested ; that I should pick up the defective laptop and take it to an XXXX repair shop and have my data transferred and then return defective laptop to him. No. I had requested a full credit. Then Conn 's presented a new laptop. However, it takes time -- too much time.
Consumer complaint received 2016-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (AL)

XX/XX/2016 I ran a credit report check. Unbeknownst to me there showed a collection agency of the amount totaling XXXX. Not knowing what this was for I contacted the number on the credit report on XX/XX/2016. It seems that an old apartment claimed that I owed them a balance for past rent that they sent to a collection agency. I advised that this information was not correct and I wanted to get a copy of the charges so that I could dispute it. I requested both a paper and email copy to be sent to my address and email address of the break down of charges because the agent could not provide me the information I requested on that call.. verifying all my information the agency said that they would get both sent to me. As of yet I still have not received any breakdown of charges or the dispute info that I requested.. But I checked my credit report today XX/XX/2016 and it shows that they reported me again on XX/XX/XXXX and XX/XX/XXXX again still without sending me any documentation or information about disputing. This collection information is incorrect and they are not sending me the information that I am requesting because they do not have anything on which they can charge me for.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (OR)

The account was included in my chapter XXXX bankruptcy filed XXXX/XXXX/16 and discharged XXXX/XXXX/16. The creditor was included in the bankruptcy and the debt has since been discharged. I have disputed this account multiple times online to each credit reporting agency, and the company came back stating the account was reporting correctly, then corrected the account - deleting it from my report, to then re add it as an open trade line on my credit, not included in my bankruptcy, or a zero balance.
Consumer complaint received 2016-11-04
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY ()

This is a small complaint about Wells Fargo 's procedures for a Certificate of Deposit : My CD for several thousand dollars was going to mature. I wanted to renew it with a different term. So I called a couple weeks before the maturity date, and an agent told me that I could not put in an advance order for the change, but to call again on the maturity date. I called on the maturity date, and the bank was closed. I called on the day after the maturity date, and an agent told me the CD was already renewed, and could not be retroactively changed. I really think the procedure should be more accommodating!
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

It was last XXXX ( 2015 ) that I applied for the XXXX American Express and fulfilled all the requirements ( spending requirements ) to obtain the XXXX bonus point offer. However, XXXX placed my account into financial review shortly after meeting the spend requirements and ultimately declared that they will be shutting my account and seizing all the points. 

Fast forward a year, I reapplied and was shortly subjected again to a financial review. I sent all my documents in via fax ( which I did last time ) only to learn that they never got it. So I sent it in by slow mail and they finally obtain my tax return to grant me account opening. When I received the card, I sent a chat conversation through XXXX site to inquire if I will qualify for the XXXX bonus offer and was told by the representative that I will receive the bonus, only if I meet the spend. 

However, today, when I have met the spend and the statement will close on the XXXX of XXXX, I once again asked via chat the representative if I will get my bonus. I was surprised to hear that I will not because upon digging into my account, the representative told me that I have had the bonus and per the terms, I will not receive it if I held the card in the past. Yes even though I did held the card in the past, I never received my bonus points. On top of that, the first conversation the agent confirmed I will indeed receive my points. So with this inconsistency, I want to file my complain as I believe its not fair for XXXX to seize points and claim that I have received the points/card when I never got the point and to have representative state false information. 

I was also told that all my chat logs are kept on the server so I would have them cross check on this but I am confident that the first agent told me I would get the bonus if I meet the spend ( which I did ).
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the third year in a row now, neither one of us has been able to get our report on line from Equifax. My wife was denied her on line report on XX/XX/2016. Every time we go through the on line request procedure, at the end, we get a message that it can not be completed on line, and that we need to fill out a form and send it, and XXXX supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other XXXX agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc (OH)

The company starts at XXXX a.m., calls numerous times every day, XXXX days a week and stops at XXXX p.m. to include customer service direct and robo calls. They should not be able to call more than XXXX time a day and not on Sundays as this is our religious holiday. If you provide information it is to be recorded on your file and they need to stop the daily phone calls. Nothing changes from XXXX hour to the next or from XXXX day to the next. This is harassment,.
Consumer complaint received 2016-11-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (MD)

I have a student loan with Younomics serviced by University Accounting Services ( UAS ). XX/XX/XXXX, I entered into an agreement with them to reduce my monthly payment to $ XXXX/month. Since then, 1 ) the bill I receive from UAS every month says that my " total payment due '' is {$300.00} '', XXXX ) When I log in to pay my bill in the UAS ' website, my amount due is {$300.00}, 3 ) I have made a {$300.00} payment every month since then, including my XX/XX/XXXX bill. However, I saw in my credit report that Younomics/UAS made an adverse credit report on XX/XX/XXXX stating that my account was 30 days late. Younomics/UAS has not sent a single correspondence to me telling me that I have a past due and why I have a past due after making the " total payment due '' written on the bill and listed on the UAS 's website as I pay my bill. This is not the first time that Younomics/UAS has made an adverse credit report on my account when they have failed to send me a bill that clearly reflects what I must pay for my account to be current. The billing ( and other communication or lack thereof ) is simply incomprehensible. It appears that the " total payment due '' is not really the " total payment due '' and that I must somehow find ways to ascertain the amount I must actually pay or anxiously wait for my credit report to see if the " total payment due '' was in fact the " total payment due '' or whether there was something hidden behind the " total payment due '' that I failed to guess and must now suffer the adverse credit report consequences. I do not understand why I should be penalized for making a timely payment of the " total payment due '' and all I am asking of Younomics/UAS is to first rectify this adverse reporting that I believe to be unjustified and to send me a monthly bill with a " total payment due '' that is in fact a " total payment due ''
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Five Lakes Agency (FL)

This debt was purchased by XXXX XXXX XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to XXXX XXXX informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to XXXX XXXX.There are multiple inconsistencies across all reports.
Consumer complaint received 2016-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Massachusetts Educational Financing Authority (MA)

XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
I have had some issues with this company in the past, but over the years they have accommodated my need for an adjusted payment so I was n't overly dissatisfied ... until now. 
Part of my adjusted payment plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. When I have extra cash from a tax return or bonus I will add this to the payment. 
About a week ago I decided after getting a hefty bonus payment that I was going to make a large lump sum payment to one of my loans. 
I set the payment online, hit submit ONCE, and got ONE confirmation number. Fast forward to yesterday and XXXX has fraudulently withdrawn an additional {$6000.00} dollars from my bank account. The amount of catastrophe this has caused is unmeasurable. 
In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 
I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 
XXXX took money from my bank account without my permission. Having my bank information for PREVIOUSLY AGREED UPON monthly charges does not permit you to take large sums of money from my bank account. 
I will be calling the company again on Monday and requesting a more timely resolution to this issue, if not I will be seeking legal counsel and seeking damages for the other accounts that I can not payoff while this issue is being resolved. 
My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. Furthermore, I am being additionally charged for everyday it is negative. Which will be until the payment is refunded.
Consumer complaint received 2016-04-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

XXXX XXXX XXXX ( XXXX ) has paid out XXXX in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. XXXX XXXX XXXX ( XXXX ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from Capital One Account # XXXX. Capital One stated in XXXX XXXX credit bureaus that the account was sold to XXXX XXXX XXXX, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC XXXX XXXX XXXX XXXX XXXX XXXX ). Capital One admitted that the initial first late payment was XXXX XXXX. Accordingly, Capital One, based upon the 7-year rule FCRA has deleted the above referenced account. XXXX XXXX XXXX ( XXXX ) by extension from Capital One has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that XXXX XXXX XXXX does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all Capital One accounts across the board with all pertinent credit reporting agencies. XXXX XXXX did through its own internal investigation remove all Capital One accounts and the collection of XXXX. XXXX XXXX XXXX ( XXXX ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by Capital One is the only item necessary to validate the removal date of the original account and any extension to a collection agency. XXXX compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction XXXX for trying to re-age a debt already proven obsolete by Capital One and XXXX major credit bureau, XXXX XXXX. XXXX needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Summit A*R, Inc. (MN)

A fitness club had a clause in their contract saying if you cancel within three business days you are not obligated to pay anything. If you go past these three days then cancel you pay {$300.00} dollars or so. 

On the third day ( within the acceptable window ) I called in to the fitness club and asked what would be the appropriate steps to cancel the contract. They stated I have to come in to cancel, but since I called I can come in anytime that week that is convenient and not pay the fine. Upon arriving a few days later at the club I was given a business card and told to email the individual stating my wish to cancel. After doing so, the individual on the email stated I was pass the three day window to cancel and I owed {$300.00}. I responded with an email describing the situation - how a representative from the company gave me a verbal agreement that it was ok to come in later the week. I received another generic email, which did not dispute or even acknowledge anything I said about the verbal agreement, and stated I still owe {$300.00}. I sent another email asking to discuss this further over the phone because I feel I was apparently lied to and I do not believe that is an acceptable business practice to entrap someone like that. After no response back by email I called multiple times and left messages or a person at the club stated someone would get back to me. I never got any response back from the club. A few months later, I found a letter in the mail from a debt collection agency saying I owe them {$300.00}. 

Should I have done something different? Do I owe that {$300.00} to the health club? It appears like that was an entrapment technique. and the company refused to negotiate with me in good faith or even reach back out to me.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (AZ)

I applied for a care credit account XX/XX/2015 for XXXX. That account was not closed but was paid off. On XX/XX/XXXX I recirved a care credit master card in the mail. Called to inquire because I had never ordered or requested a card. The representative advised me that this account was open for me and card sent because they upgraded my account to a MasterCard. I was surprised to hear that I had XXXX accounts open with them. As I only opened XXXX last year. When questioned, the representative advised me that this second account was opened for me last month. I cancelled XXXX accounts. They were not authorized to open that second account. I am upset by this it appears an employee may have opened this fraudulently without my knowledge. In addition, I was not aware a card was coming so someone could have taken my mail and activated it. This is a very sketchy and unsafe practice. I would appreciate if someone could look into Care Credits business practices for opening accounts.
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

Debt was incurred after my annual liability under an HMO health insurance plan had been met. The insurance company has told me the claim was adjusted and this is not my liability. The provider 's billing service continues to send invoices to me and now has turned the debt over to a collection agency. After multiple contact to the provider, billing company and the collection agency with documentation supporting my position, they still continue to send me attempts to collect this debt.
Consumer complaint received 2017-01-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (DC)

I have received repeated calls from transworld systems incorporated on phone number XXXX for a debt I do not owe. The company seems to think I owe money to a hospital, however, all my debt is paid. The company keeps asking me for personal information and I refuse to give it to them as I can tell it must be a scam. They get angry with me when I will not confirm my date of birth or any other information and refuse to mail me documentation and proof of bill or debt.