davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Sale of account — 
Company: AMERICAN EXPRESS COMPANY (TX)

I received a prescreened marketing ad for the American Express gold card in XXXX XX/XX/2015 and researched the card online. I decided to open the American Express XXXX XXXX XXXX card with a {$100.00} statement credit for spending {$1000.00} instead. I made my XXXX purchase with the card on XXXX/XXXX/XX/XX/2015. Within a week of receiving my card, American Express sent me a {$250.00} statement credit offer if I spent {$1000.00} in the XXXX 3 months if I use RSVP code XXXX. I called to request that this code be applied to my new account, and the representative told me she could not apply the credit. She suggested I try to close my current account and re-open a new account with that RSVP code to get the {$250.00} statement credit. Following this representatives instructions would cause me to incur a negative credit impact and also a possible balance transfer fee. I feel that since my account is still within the XXXX billing cycle and I received this prescreened offer addressed to me from American Express, that this company should honor the {$250.00} statement credit without making me close my current account and open a new account.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, please help. To be brief, in XX/XX/XXXX I filed bankruptcy with my now ex husband and surrendered a home. BKY discharged in XX/XX/XXXX. To this date, the home has NOT yet foreclosed! After more than 7 years! This mortgage was part of that Countrywide/BOA buyout issue and the foreclosure has started and stopped many times. Currently, the case is closed, without foreclosing. The judge just this year ordered the note to go back to the mtg company, and closed the case. I have since then remarried, and have worked very hard rebuilding my credit. Even though I am not responsible for this debt anylonger due to the bankruptcy, I still can not qualify for a loan until 7 years past a foreclosed date!!! My score is over XXXX now, but due to the home not foreclosing, it has stopped me from moving on with my life, and purchsing a home with my husband. I have written nurmerous letters to the bank as well as one to the XXXX of Florida, and have been directed to you for assistance. I have seen homes foreclose within a year or so, and mine has been over 7!!! Can you please help?? The way this is going, with the case not being assigned to anyone, after being buried for years, this can continue indefinately for years and years. Please help. THIS HOME NEEDS TO FORECLOSE. Former name XXXX XXXX. I will supply documentation of surrendered home in bky pwk when contacted. Original bank was Countrywide, and BOA purchased the loan.
Consumer complaint received 2015-06-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (DE)

This was a credit card that was in dispute in 2001 for about {$2500.00} which I though was revolve and closed. Now I see after XXXX years later unbeknown to me I am being contact from Midland Funding, LL with balance amount for of over {$19000.00}. I am assuming it goes from XXXX collection agency to another and are tagging on these ridiculous penalty plus interest on top of additional charges. This should be against the law and protect consumer from these collection agency.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Today I was charged {$210.00} in overdraft fees on my checking account ending in XXXX at Regions Bank. Regions Bank is an XXXX Company with facilities in XXXX where I live. I had a {$75.00} ACH withdrawal from a financial services company go through yesterday along with a bunch of pending transactions from this weekend. Because the {$75.00} funds were taking out first I have been charged overdraft fees on a bunch of smaller transactions. I spoke with someone from Regions and they informed that it is Regions policy to take out larger amounts first and then smaller amounts. Their justification for this was that " we wan na make sure your bills get paid so we take out the larger amounts first. '' I am not sure that this is a defensible position. Regions had made an arbitrary decision on what order to process their transactions in. It seems to me that Regions should be processing pending transactions for low balance accounts in the order that results in the lowest amount of overdraft fees for their customers. But even if Regions does n't want to take that position, which would be most favorable to their customers, then the transactions should at least be processed in the order that they were made. Had all of the smaller transactions gone through first and then the XXXX XXXX debit, I would only have been charged XXXX overdraft fee. The Regions representative I spoke with informed that I am not eligible to have these funds refunded because I have already had a refund of overdraft fees on this account. I am not requesting a refund of ALL overdraft fees, I am just requesting that the transactions be posted to the account in the order in which they were made. This would result in me only being charged for XXXX overdraft fee. I have done some research and it appears that this process of " reordering '' is happening throughout the banking industry.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I purchased a wooden trunk while traveling in XXXX with my credit card thinking it would be covered by purchase protection. The merchant arranged the shipping to the USA. It arrived months late, broken, dirty, and damaged. I reached out to the merchant myself on multiple occasions and they did not respond. I filed a claim with chase when I returned from my trip, and they did not reimburse me as they should have. They also did not respond to multiple requests explaining why my claim was denied. Chase says they reached out to the merchant on my behalf, but they are not offering any purchase protection on their end as they promised me. I feel like I have been cheated and lied to regarding purchase protection.
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

I owed XXXX for a bill that I did n't know that I had. Southwest collection Agency contacted me I called XXXX. I never received a bill from XXXX, once XXXX understood that there was an error and never got the bill they allowed me to pay them. Southwest could call my home phone being nasty, and then my cell ordering me to pay. After I had inform them that I had taken care of this bill with XXXX. I informed Southwest Collection Agency and gave them proof of the conversation with XXXX and that XXXX stated that they would not be listed on my credit report. Southwest refuses to remove themselves from my credit report. I asked nicely and was told " No, we will continue to report and remain on your credit report for seven year. Even after XXXX informed me and I informed them that XXXX stated that they should not be listed on mt credit report.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NV)

i received a letter from citibank dated XX/XX/XXXXin response to the letter from citi ... over the years i have requested my credit report and have copies of all the reports received ... 
citi alleges they applied a payment on line of credit on XX/XX/XXXX and that is what they show reflected at XXXX balancethat account shows XXXX balance as of XX/XX/XXXX and was closed at my requestsee the attached credit report ... your letter states you applied payment in XX/XX/XXXXto an account closed as of XX/XX/XXXX with a XXXX balancei have attached various credit reporting statementssee the various dates and the different amounts sometimes you alleged it was written off other times you allege it is a balance due then you allege the difference was written offkravitz was unable to validate their claim when i requested after i returned to vegas and asked them to validate XXXXfyi ... improper service ... filing writ of garnishment 4 1/2 years later without due process addressing mail to generic employers and sending it out to who knows who and noting my entire social security number ... this violates several statutes including nrs 239since this i have numerous mailings addressed to my property of towing companies ... i.e online the names of these towing companies show to be repossessing cars ... and the people whose cars they are repossessing state it is being done illegally ... today dropped off a file to kravitz ... i do n't know what you and kravitz are doing ... if you 're cooking the books to mess up my credit i do n't appreciate
Consumer complaint received 2015-10-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (ME)

My name is XXXX XXXX and I am XXXX years old. In XXXX 2015 I received a phone call from XXXX saying my computer was ready to crash and needed protection. It scared me to think it might crash and I would lose everything. They said they could fix it, and protect it, if I purchased their program. I accepted their advice, and offer, and used my XXXX card as payment. However, after thinking about it, I did not have a good feeling and worried it was a scam. The very next morning I spoke with XXXX and XXXX to cancel it and issue a credit. XXXX was not happy I wanted to do that, but said it would be done. I spoke with XXXX and they issued a pending credit, which showed on my last statement. In late XXXX we moved and I no longer even have that computer. 

I just received my most recent bill and the credit was reversed. Both I, and my husband have been on the phone with XXXX and XXXX today trying to resolve this. We called XXXX first and they said to call XXXX. I then spoke with a woman there who said it had been cancelled. She connected me to someone else, but i was disconnected. 

We are looking to you to get this resolved as soon as possible. Thank you.
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2015 I filed a chargeback with Chase bank.  On or about XX/XX/2015 XXXX rejected the chargeback due to fraudulent statements made by the merchant.  Currently, the merchant still retains the XXXX in question by violating federal banking laws.  Sadly XXXX and chase bank are condoning white-collar crime and attempting to persecute the victim me.Furthermore, Chase Bank has threatened to report me as a negative banking and entity.  Inasmuch as it is not true it by itself would be a libelous statement.  This should not be allowed.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

We have fell way behind on mortgage payments which has put us in financial stress. Dealing with Chase for several months on what we need to do to be able to get house sold. We have been assigned SEVERAL different contact people. The house is now up for Sheriff Sale. This is not what we wanted to happen. In the last two months I have talked and documented all conversations on paper, three different people. They have all given me answers that contradict each other. We have had house on market since XXXX, had only XXXX lookers. I am at my wits end. I just want what proper procedure is on Short Sales. That is what we have been approved for. Just some CORRECT answers. We have gone thru modification process. We just want to sell and get out from high payments and mortgage. Thank you
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying 300 dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.
Consumer complaint received 2015-04-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Navient has tried to re-open a private student loan account that has been " charged off '' AND " closed '' on my credit report. I have not made a payment in 7 years exactly this month. They re notified the credit bureau trying to say this is an open account and it is not. It has passed its 7 year date of non payment. I believe they are just trying to still receive payment after transferring from XXXX XXXX. They were rude on the phone stating my account '' never closed, it is open and you are currently accuring interes. '' They wont work out a repayment plan I can afford stating i had to " Give {$1000.00} down then XXXX {$100.00} payments and only then will they tell the credit bureau I am in good standing. '' Or I could '' pay {$290.00} for the next 8 months '' before they put me in good standing. The would not accept less. Dont they have to work with me? However, this account is closed and charged off. Is it not illegal to put its status back into repayment and start charging me interes again after its been closed. Its been 7 years ... I found all of this out because I tried applying for a mortgage loan and they company told me what Navient reported to them. Can you please help. I have heard and read nothing good about Navient. This account originally went to collections because I got a divorce and lost my job and just had a baby I had to support. All my other federal student loans I have made good one. Please help me correct this. 
Thank you
Consumer complaint received 2015-06-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I have XXXX debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in XXXX when I had n't had the XXXX accounts since XXXX at the latest. Coincidentally these items did n't appear on my credit report until late XXXX. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this?
Consumer complaint received 2015-06-23
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I was victim of a scam regarding the sale of my car. I posted an ad in XXXX. I was contacted by a buyer who told he would buy my car but I needed to send a Money Gram order of {$750.00} to the transport company who would inspect the car and ship it. I got an e-mail from XXXXXXXXXXXX saying that the funds were on hold until I made the payment of {$750.00}. I turned out the transporter never showed up. The buyer was not actually a buyer ; just someone who took {$750.00} from me. Money Gram will not provide me with information on what type of shop the perpetrator of the scam used.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (NY)

XXXX ( Capital Mgmt ) keep calling for my mother. XXXX particular call I pretended to be her to get to the bottom of these calls. The person they are looking for is NOT her. The individual I spoke with gave an address that is no where near our home and D.O.B. that was nearly XXXX years younger than my mother to which I responded I was in my XXXX. He then asked for the last XXXX digits of the SS number and I responded the first number is XXXX and that is all I am saying. He responds you certainly are not the person we are looking for and this person is much younger and that digit is not in the SS, and he would remove phone number from list. The calls began again almost two weeks ago. This is ridiculous and outright harassment, and wish to file a complaint on behalf of my mother. Thank you in advance for your assistance.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

As a consumer, I would like to file a complaint against Citibank/ HomeDepot for the XXXX credit cards that were opened last XXXX. 
After numerous efforts to resolve the problem, as of this date it has not been resolved yet. 
XXXX, I have only received XXXX photo copy of my statement for the month of XXXX on XXXX XXXX which they have reported me past due. I have received the cards after XXXX days. 
On the XXXX account, I am still waiting to receive a copy to review my transactions of purchase and credits. I was told that it was also past due. How can they report me late when I have only received both cards early XXXX and no account statements were ever provided. 
In XXXX, I have received a call that my credits cards were sent back " return to sender ''. After talking to the customer Service Dept, they realized that both accounts that was opened on XXXX separate dates has no Street Number. How can they even process my credit application when there is no street numbers on both accounts. How can this happen? Take note my drivers license were presented and SSS # during the application process. Customer service was updated on XXXX XXXX of the home address and I was reassured that everything will be taken care of and both cards will sent out immediately followed by the statements. 
I called customer service to follow up the statements. I was told I can check it online. I complained that I can only gain access on XXXX account and was refused on the other account. They found out that the second account has my middle initial and they will fix the problem so I can also have access on it. 
Until now, I am still waiting for this to be fixed. 
On XXXX XXXX I received another call from Citibank about both accounts being past due. I talked to a supervisor ( team XXXX ) and explained the situation to my accounts. At this point, I have requested that both accounts be paid off. I gave my XXXX account number and routing number. The supervisor agreed to waive the late and interest charges and promised to send me the statements so that I can review the transactions. 
To my disbelief, I got another call Citibank on XXXX XXXX stating that XXXX account is past due. After reviewing my accounts, I was told that only XXXX account was paid off. Excuses were made by Citibank but the bottom line, XXXX XXXX XXXX said that my checking account definitely has the funds and there were no stop payment orders received. 
Take note that only XXXX account was paid off and the bank account number and the routing number were both the same given to the supervisor for accounts to be paid off. 
My last conversation to Citibank was on XXXX XXXX. Again, the bank information was given to them to payoff the remaining account. I still need to confirm if they have processed my payment. 


Your attention on this matter is greatly appreciated. Thank you.
Consumer complaint received 2015-09-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kirschenbaum & Phillips P.C (MD)

After defaulting on a home improvement loan from XXXX ( XXXX ), I entered into debt collection with Kirschenbaum , Phillips & Levy , P.C . ( KPLPC ). It was arranged to deduct $ XXXX/month from my checking to pay the ~ {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, KPLPC, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called KPLPC in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with XXXX and would resolve the issue. At this time, I was still getting " bills '' from XXXX, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to XXXX. 
Come XX/XX/XXXX, I still had not had the issue resolved by KPLPC. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XXXX. 
Come XXXX XXXX, no resolution. At this point, XXXX sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted XXXX directly to ask what was happening. XXXX claimed they were in contact with KPLPC, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. XXXX also claimed they sent the money back to KPLPC. I emailed and called KPLPC with this information and got this in return from XXXX XXXX - " I was able to talk to XXXX this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at XXXX that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with XXXX, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.