davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-17
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (MN)

I withdrew {$500.00} from XXXX Bank 's ATM ( XXXX XXXX XXXX XXXX, MN XXXX ) When I tried to take my money it seemed to be stuck and I only received {$240.00}. I immediately went inside the bank and told them what happened and they told that I had to contact the debit card company. I called American Express Serve customer assistance and they filed a disputed transaction on my behalf. I was told that it would take 10 business days to process the dispute and I would receive an email to submit my statement, I did that right away. After 10 days I heard nothing and they would email the dispute team for a staus update. After 5 days I called again and they said the dispute team was working on it. I was told I would receive an email with an update. After countless calls speaking with supervisors and upper level managers each stating that I had their guarantee that In would hear from the within 2 business days. I also was told originally that if it was n't resolved after 10 days I would receive a temporary credit for the {$260.00} which is the dispute amount, That never happened. I contacted the Minnesota State XXXX Consumer Complaint Department and they said they would look into it. After a period of about 3 days the I received the temporary credit of {$260.00} untol the matter was resolved. I originally filed the dispute on XXXX/XXXX/2016 I did n't receive the temporary credit until XXXX/XXXX/2016. On XXXX XXXX I received an email that the ATM company took {$60.00} back from the documents they have. I was told I could request those documents. I requested them and again after numerous calls they finally sent them. I can email you those documents if you would like. The documents state that I requested {$500.00} which is not true I requested {$260.00}. They also said they reviewed the camera footage and saw I was having trouble obtaining the cash and a few bills the wind blew from my hands.I will wait your response, I realize it 's only {$60.00} but my only in come is social security XXXX. I have XXXX and I have some medical expenses that are n't covered and the {$60.00} is a lot to me.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I recently reviewed my Deed of Trust and Release of Deed of Trust on my property located in XXXX XXXX Colorado XXXX. In reviewing it I found a Deed of Trust was filed in or around XX/XX/XXXX which was paid. In XX/XX/XXXX all mortgages were paid in full on my property. Using the information from my XXXX from the mortgage company I sent a letter requesting this be resolved. I sent it Certified Return Receipts. On XXXX XXXX the letter was returned marked no forwarding address. The Mortgage Lender in question is Beneficial Finance and Subsidiaries the address listed on the XXXX was in XXXX NY. I also have attempted to reach them via an internet search and the XXXX number listed on the web site goes to an advertising organization. 

I have also found an address of Attn : XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. 
https XXXX
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I traveled overseas to XXXX last year on XXXX 2014, I book a hotel for XXXX days ( XXXX XXXX XXXX Houses ) for a total {$1400.00}, when I arrived in XXXX around XXXX XXXX on XXXX XXXX 2014 I was expecting a main entrance with a lobby like any other Hotel, but to my surprised it was not entrance of any kind, not XXXX was there to check me in, I called XXXX of times to the number on my reservation and all I got was a recording message staying to live my name and number that someone will get back to me as soon as possible, which I left a message. I was afraid in the middle of not ware, and I need it a place to stay so I walked and I booked my stay in another hotel ( XXXX XXXX ), I continued to call to the other hotel with no response, I decided to go back to see if I can see anyone cause I already paid for a reservation and i scream and someone came out and walk me through a kitchen and took me to a small office and the owner was there and told me not to worry about it that I wont be charge after listening to me, them I walk out thinking that I wont be charge, Now American express is charging me the full amount of the reservation staying that the hotel policy cancellation specify that the full amount will be charge to my credit card in case of not show, cancellation or modification, but none of this policy apply to my situation I arrived to a hotel with not lobby, not main entrance, non crew to take care of me, I though at that moment that I was robbed, was completely empty I saw a pool but no one around what I am supposed to do I need it a place to stay, I try to contact the merchant but he told me that the hotel only open XXXX months per year and he will not refund my money, my cousin who owes a XXXX question him and that was the answer basically you make a reservation and you do n't get your money back because they only open XXXX months a year, an American express is telling they cant do nothing because of the hotel policy that the merchant shows them enough proof of course the reservation that I had made with them, but that does not mean I received a service, what law protect a consumer in my position. I need your help I am XXXX years old men and if you was in my place what would you do on the middle of the calderas in the mountains with not place to stay I was worry I will not have a place to stay I was expecting a XXXX start hotel which I was very disappoint,
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX, I applied for a balance transfer with American Express. I opened a new card, an American Express Blue card and transferred the balance. It was a no interest if paid within 15 months balance. They charged a fee, which is common. What is not common is that they are charging me interest on the fee every month. I 've transferred balances to other companies many times in the past and they never charge interest for their fees or the transfer until the stated time period is up ( 12 months, 15 months, 18 months ). I contacted American Express about this last month and they said that I should just send them a check for the fee and that would stop the interest. I explained that it was n't possible to do that because they would n't apply the money to the only the fee. 
I 'm not sure if this is illegal because they did say no interest for 15 months, but it should be illegal and I wanted to report it just in case. As soon as I can pay this off or my 15 months is up, I am closing this account and not working with American Express again. 
thanks XXXX
Consumer complaint received 2016-04-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

On XXXX/XXXX/16 I made a payment by phone to " XXXX XXXX '' of " XXXX XXXX XXXX XXXX '' in amount of {$340.00} -- payment in full for medical date of service XXXX/XXXX/16. This account was paid IN FULL and was NOT PAST DUE. On XXXX/XXXX/16 I received a " transmittal notice '' from " Transworld Systems , Inc. '' stating my account had been submitted for collections due to nonpayment. I have verified with my bank that the payment was successful on XXXX/XXXX/16. The hospital has erred and should have never referred this account for collection. I have left several messages for the hospital 's billing office ( XXXX/XXXX/16 ).
Consumer complaint received 2016-01-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question, IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT, ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING, STOP ASSASSINATING MY CREDIT AND REFUND ME ANY MONEY WITH INTEREST THEY TOOK DUE TO FRAUD AND ERRONEOUS INTEREST GAUGING TO THE CONSUMER. ALSO THEY ARE PROBABLY PRACTICING THIS FRAUDULENT BEHAVIOR WITH XXXX OF CUSTOMERS. IT NEEDS TO STOP AND DESIST!
Consumer complaint received 2016-02-19
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. ()

Santander has provided me with false information through out the life of this loan. I have verbally requested that Santander put the money paid towards the principal a total of 45 payments of XXXX. I am not knowledgeable to finance and feel take advantage of at this point. The cash price of the vehicle were XXXX. I was financed XXXX. 
Today I communicated with a Santander representative via chat and she refused me and I had to keep asking when finally she informed me since the account was now delinquent that the payment would not and could not be credited towards the principal which is what I wanted all along. After she would not cooperate with me I called back and spoke with a representative that stated she would put in the request to put the payment of XXXX towards my principal as I paid XXXX today online. 

Santander has told me things like I has to make 3 payments to have payments applied to principle well I am well over three payments. the interest rate that I did not notice is XXXX percent .... I am a woman and not savvy, although some might me with such things
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION (UT)

After numerous troubles with fraudulent charges, unjust service charges, poor customer service and policies that change to suit the bank, we decided to bank elsewhere. In trying to make sure that auto charges are being switched over to the new account, I checked the account yesterday morning and found that XXXX auto-debit was floating and needed to be addressed. I immediately deposited cash to cover the " pending '' charges. During our problems with fraudulent charges, we were informed that " pending '' charges could n't be disputed or stopped because they had not been honored yet and we were forced to wait three weeks and face late fees from our mortgage institution and utilities because we had to wait a long period of time to have the charges investigated because of their " pending '' status. Additionally, according to their online banking site, there was XXXX item pushing my account to {$6.00} overdrawn and then they delayed processing the cash deposit so they could charge another item fee, therefore totaling XXXX item fees. When I checked this morning XXXX of my insurances had erroneously billed their account instead of the new account and I rushed to make the cash available. I was told that this " pending '' item was already being honored and that even if I got my insurance company to reverse the error, they would charge another item fee. I am complaining, because when the opportunity suits them " pending '' transactions can be held in cyberspace and the financial stability of my family can be left in limbo for days and weeks, but I can not address erroneous charges while they are " pending. '' I have no way of correcting or disputing charges without incurring fees anyway. Cash deposits should be immediately available funds and be able to be applied to charges that by the bank 's own admission have not cleared their institution yet. It leaves consumers powerless to prevent fees in erroneous situations while pursuing action against those improperly billing. Charging fees for charges yet cleared while not immediately honoring cash deposits only benefits the bank and unjustly penalizes the account holder.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank (FL)

I have a credit card with First Progress Card for more than 2 years, a few weeks ago they called to inform that for security reasons my card was cancelled and no more information was granted, after waiting for 2 weeks ( because they do n't have a rush process like most of the credit Cards ) I received my new card. 
For my surprise they cancel my online account where I had all my previous statements, I called customer services where I was advised that all my data were erased, I spoke to the supervise who confirmed all my data was erased. 
I wrote a letter to First Progress Card asking for my previous statements, because I understand that since they decided to stop sending paper statements they should provide me online access to my statements. 
I have no answer for my letter yet. 
I need my statements in order to find some medical expenses to file my tax return.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (KY)

Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is XXXX XXXX XXXX on XXXX debts, XXXX from " XXXX ''. and XXXX from " Citibank '' on both XXXX and XXXX.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (IL)

Citibank had a promotion for getting XXXX XXXX mileage. 
Copy of promotion will be attached. 
I opened the account on XXXX XXXX 2015. 
I was supposed to make $ XXXX Debit card purchase within 60 days but Bank did not send me card until XXXX XXXX. i asked my banker about it and he said they will give an extension. 
I completed debit purchase by XXXX XXXX and fulfilled other requirements but because of the delay in debit card purchase caused by bank delay I am being punished and I am not getting my XXXX miles.
Consumer complaint received 2017-02-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I am filing this complaint because Midland Credit Management , Inc. has ignored my request for the validation of this debt by not providing me the documents use to verify the account that was disputed. 

Under the law, if a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 

According to Texas Finance Code, the following information was to be provided : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information The debtor stated that they were uncertain what I was specifically disputing and needed written explanation and documentation. I provided that information to them certified. 

The debt collector has five ( 5 ) days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. 

Also, I believe that Midland is in violation of the settled case XXXX XXXX ( XXXX ) with the FTC by contacting me by cell phone without my prior consent, in violation of the Telephone Consumer Protection Act ( TCPA ), using an automatic telephone dialing system.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for the Citigold Checking account with the promotional XXXX AAdvantage Points after completing all the requirements. I completed all the requirements and waited after statement closing of 90 days and still have n't received my bonus points added to my AA account. I contacted the company by phone and via chats several times already and each time they said I will get a response within the next day and I still have n't yet. I 'm beginning to think this was a scam.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

I have been going through the hardship process with CITI for over 11 months. Every time I submit documents I receive an email telling me they have everything they need. After a few weeks I receive another email telling me they need more information. I have sent over 18 emails with documents. I have complied with their every request. This was after my original contact stopped communicating and they told me the file was closed. This entire process seems geared towards making me give up so they do not have to do anything. I have continued to make my payments and work hard to not fall behind. I have requested phone calls from management and still have not received any.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit, Inc (MD)

I Purchased a NEW XXXX XXXX XXXX XXXX with a sunroof and Navigation. Not only do I have the recall for the XXXX XXXX XXXX with no remedy on my car I have XXXX other life threatening recalls with no remedy. When the other recalls were brought to our attention, I knew I was driving an unsafe car that may kill my family. Volkswagen has admitted to circumventing the emissions control system in the United States since XXXX. With their deceptive and fraudulent business practices Volkswagen knowingly sold me a car that was equipped with the illegal defected devices and locked me into a contract under false pretenses. They also deceptively sold me my New XXXX XXXX XXXX With Navigation and XXXX that I used for a down payment on the New XXXX XXXX. The XXXX XXXX also was affected by the recall for the XXXX XXXX XXXX. I put {$15000.00} down on the XXXX. In addition, Volkswagen carried out a cynical fraud on car-buying, by aggressively marketing the non-compliant diesel engines as the product of environmentally-friendly XXXX advanced technology, " XXXX XXXX ''. Volkswagen has admitted that they knew about the XXXX issue before I even bought my car. They have deceived my family and have put us all in danger with no remedy. 
I have contacted the Volkswagen Court Settlement hot line, Volkswagen Credit , & Volkswagen Customer Care. When calling no one was able to give me any kind of answer. Had no idea how what or when will anything ever be done for any of the recalls. The Volkswagen Court Settlement hot line was quick to tell me about the loan forgiveness program they have in place. When I asked them if it were a true " loan forgiveness '' why am I paying off the loan? VW gets my car, all the money I put into both my cars and a clear and free title & then I have nothing. Not one person knew what to say.
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Broward Adjustment Services (FL)

I never received XXXX bill from their offices, I have asked among other things in my day XXXX/XXXX/XXXX dispute a copy of the contract signed by my accepting the terms and conditions of these bills and my obligation to pay a bill it is not proof of debt, can be printed using any format an amount allegedly owned, and still you can not blame a guy for this, send me the number of licensed to collect in Florida, explain how these calculations were made Provide me with your license numbers and registered agent, are obliged to do so, otherwise you are violating the law by the law corresponds me under Fair Debt Collection Practices Act and Fair Credit Reporting Act, any document without my signature lacks validity, after XXXX I can get XXXX dollars for defamation of character in a lawsuit, no arguments, no verifiable accounts have to be removed is clear and concise law, they can go up as well if they have evidence that I received his correspondence with receipts post signed by me as received I request a letter of consent that the account will be closed on your system and will no be transferred to another agency
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MST Financial Services, L.L.C. (WA)

I will get anywhere from one to 30 calls a day from chapman financial. I have told them not to call during work hours and I will still get calls during business. They have called as early as XXXX and as late as XXXX. I have also missed their calls only to have between 3 and ten calls in less than 5 minutes from the same number with no voicemail. I have explained my situation of paying 2000 in bills a month but make XXXX, and have to have gas and food with nothing left to pay them.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (FL)

I returned the equipment as requested by XXXX and the collection amount remains the same. XXXX states that they never received the equipment. However I kept a receipt from their receiving center ( XXXX contracted XXXX to receive equipment on their behalf ) where the equipment was delivered. They also can not provide a detailed bill stating why it is {$1200.00}. Most of which I am sure were not authorized by myself. Charging me for services that I did not authorize does n't make sense nor is right.