davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express enrolled me into an opt-in " Pay over time '' program without my consent, and did not notify me. As a result, I was charged interest when I submitted payment for what I thought was my statement balance, but was in fact the minimum amount due under the program. 
When I reviewed my next account statement, I noted an interest charge and considered it a mistake on my part for not paying off the full balance. I submitted a payment to cover the full statement balance so that I would no longer be charged interest. 
My current statement now shows another interest charge. I called American Express on XXXX XXXX XXXX and their customer service representative ( XXXX ) advised that even though I had submitted payment in full for my statement balance, the company was going to continue to charge me interest for the previous charges. In effect, these charges are perpetual -- paying off my full balance would only cover the interest calculated for the reported balance, but interest continues to accrue after the statement is delivered and even after they receive payment. The lag between theses systems ensures there 's always a balance due. 
During my call American Express was able to immediately locate the XXXX XXXX XXXX email with their " Pay over time '' offer, but they can not locate any record of my having enrolled because they do n't keep records from that far back. They said they would remove me from the program, but they have not sent me any notification they have actually done it. They are continuing to charge me interest resulting from their having enrolled me in a program without my consent.
Consumer complaint received 2015-11-13
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (UT)

On XXXX XXXX, 2015 I received an email from American Express Serve notifying me, that they would start charging a monthly {$4.00} fee to keep the account open. After receiving the email I decided to cancel the card and logon onto my online account. 

After logging into my online account I attempted to close the account but was blocked from being able to do so, as their computer system then required me to respond to an additional verification email. I waited several minutes but never received a verification email which I could respond to. 

I then called their customer service number at XXXX and spoke with an agent whom I provided personal verification information ( SS #, DOB, Address ) and requested to close the account several times over the phone. The agent refused and stated that I had to first respond to the verification email ( which I have yet to receive ). We spoke on the phone for several minutes while he attempted to send multiple emails which continued not to arrive. I again requested that he close the account for me over for phone and the request was refused. The agent stated I would have to wait for the email to arrive, I asked if there was any other way I could close the account he said no. 

At this time I do not know if I will be able to close the account and am concerned about being charged penalties and late fees. I 've now spent over hour attempting to close this account and still do not have a resolutionI 'm also concerned that the current business practices and procedures in place will also prevent other consumers from being able to avoid injury as well.
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, has sent me a letter claiming I owe a debt to them. They claim XXXX XXXX as the original creditor. 
On or about XXXX XXXX, XXXX I sent Midland Credit Management Inc a certified letter, return receipt requested, asking to explain and validate this debt. Though the reciept was signed and sent to me, they have not replied. Today, XXXX XXXX, XXXX, I received a letter from them requesting payment for this debt. I believe that this debt was paid in full in XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

My account was transferred to Transworld Systems XX/XX/XXXX from XXXX XXXX XXXX. Account # XXXX. The reason for my complaint is that they will not send me monthly statements of the debt. The reason being because they are not a billing coming and the longer I wait to pay the debt it is incurring weekly interest. The last statement I recalled I received was from XXXX XXXX XXXX before turning over to the collection agency there was a balance of {$820.00}. Now I have a balance of {$890.00} as of XXXX/XXXX/XXXX. When I spoke with a representative XX/XX/XXXX I explained that I can only making payments of {$10.00} a month/ I explained to them that I had been XXXX twice in XXXX and having a difficult time make full payments due to several other deductibles I am paying to others. I was told they can not make a formal payment arrangement with me unless I agree to pay {$36.00} a month to stop interest from accruing and at that point they can send me statement. But earlier I was told they can not send statements. I believe this is unfair collection efforts, how can they charge weekly interest on a debt that was sent to them by XXXX XXXX XXXX in which they never charged interest. I would never get this paid off. The debt keeps going up and up. In the meantime they are continuing to cash my {$10.00} checks. I refused to send them anymore payment until I get a running balance of what I owe and I want the interest to stop. This is clearly a UDAAP violation. Please assist me in getting this resolve. I want the balance verified that was transferred from XXXX XXXX XXXX
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (CO)

original account number was charged in a Chapter XXXX bankruptcy in XX/XX/XXXX Wa DOc # XXXX, then again in XX/XX/XXXX Wa DOc # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money
Consumer complaint received 2016-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (GA)

I PURCHASED AND NEW XXXX IN 2014 FROM XXXX STARTED HAVING ISSUES WITH THE CAR IN LESS THAN 3 MONTHS TOOK THE CAR HAD TO GO BEFORE THE STATE OF GA PANEL AND THE CAR WAS FOUND A LEMON XXXX TOYOTA FINANCIAL ALSO KNOWN AS/XXXX HAD REPOTED ME AS LATE WILL NOT REMOVE FROM MY CREDIT. I HAVE CALLED THEM SPOKE WITH SEVERAL PEOPLE STILL WILL NOT REMOVE. SAID THE MARKS WILL STAND I TOLD THEM THAT THEIR CORP OFFICE TOLD ME THAT ALL WOULD BE HANDLED LATER FIND OUT IT WAS REPORTED NO ONE EVER TOLD ME THIS WOULD HAPPEN. I AM SO NOT HAPPY WITH THIS CO. DOCUEMNTS SHOW CAR DEEM A LEMON. BUT STILL THEY WILL NOT REMOVE THE MARKS I FELT WHY SHOULD I PAY FOR SOMETHING THAT WAS NO GOOD THEY KNEW THIS. SO THE MISCOMUNCATION WAS I FELT I SHOULD NOT BE PAYING FOR A LEMON ALSO WAS TOLD THEY WERE TO GIVE ME A NEW LOAN BUTPAYMENT WOULD STAY THE SAME THIS DID NOT HAPPEN. THEY CHANGES THE VEN NUMBER ON THE LOAN TO THE NEW CAR. WHICH I DID NOT KNOW ABOUT UNTIL THE LAST MINUTE. ALSO THE PAYMENTS STAYED THE SAME PER CORP REP FROM XXXX. SO IT WAS MESSED UP FROM THE START. THEY SHOULD HAVE SHOWN THE OLD LOAN PAYED AND CLOSED BUT DID NOT.PLEASE HELP I AM TRYING TO GET THE LATE PAYMENT REMOVED FROM MY CREDIT REPORT. 
THANK YOU XXXX XXXX XXXX
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (VA)

I cancelled my Amex XXXX Rewards card on XX/XX/2016 because of the annual fee. Amex confirms they received the request and it should have been complete but did n't complete it. Now they say I still owe the annual fee because it was n't actually closed.
Consumer complaint received 2016-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

My husband and I have just recently received our escrow analysis letter that stated that we needed to pay {$1500.00} in order to ensure that our escrow account is brought back up to date and that we would also have to pay {$650.00} a month due to this. We pay {$490.00} a month now and we have come to find out that they have taken out {$1300.00} in XXXX XXXX to pay the home insurance with XXXX different insurance companies and another {$750.00} in XXXX XXXX to pay the home insurance with a company that has a cancelled policy. They keep blaming it on the insurance companies, but we see it as they are taking money from us considering they are paying an insurance company that does n't have a policy on our house. Additionally, they are refusing to provide us with the declaration as well as refusing to provide a 14 month ( XXXX XXXX to XXXX XXXX ) printout of the escrow account so we can see where the money has gone to. We can not purchase a new roof due to our house payment increasing almost by XXXX % and our escrow is now negative.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage. 

My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. 

In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ). 

I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. 

However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX. 

In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ). 

When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. 
I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

Got a XXXX from American Express for XXXX in ammount of {$1200.00}. I have not had a card since XXXX and my account was written off in XXXX. I have phoned American Express numerous times and have spent at least XXXX hrs on the phone with them explaining the issue. I get transfered around and around to the same depts over and over and they all say I need to go to the other dept. to get answer but never get anyone that can answer it. Ask to talk to some XXXX in XXXX and they say I ca n't and they ca n't transfer me there. This will effect my income tax this year but I never got any interest. It was written off in XXXX and given to another outside collection agency. The amount they say they paid me in interest makes no sense because the amount written off was WAY more. They refuse to help me and I am trying to do my taxes. If I do n't get a response I am leaving it off my taxes and will hold American Express responsible for any consequences. I have informed them of that and they do n't care. Very hard to talk to someone in a foriegn country that does n't even know the form I am talking about. They keep calling it a XXXX XXXX even though it is a XXXX XXXX. This company is terrible and should be held responsible for its business practices. I need this resolved and reported to IRS I did n't get any such payment. Thank You
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (TN)

I like many other times, used Chime Bill Pay service to mail a check to make a payment. Like normal I submitted the payment to be mailed, about 2 days later I received an email stating that the payment had been sent. I few weeks had gone buy and I was getting calls from the lender saying that my account was past due. I was like how is this possible, I mailed the check in plenty of time. I contacted Chime to find out what was going on, and first they told me it was never sent, I told them I received an email stating that it was. Oh ok let me look into it further, I heard nothing for 4 days. I contacted Chime again, it was escalated to the dispute team. It's been sitting in the dispute teams hands for over a week with no movement. I endured a late fee from my lender because the payment wasn't received. I'm asking them to return my check amount and also pay the late fee as something obviously went wrong on their side and my payment wasn't sent. I have not received a response in 3 days. I keep contacting and get no where. This is absolutely ridiculous and un-acceptable! Once this is resolved I'm closing my accounts with them!
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: ZENCO COLLECTION, LLC (NY)

XXXX XXXX stated to me that I was committing fraud by not paying on this debt and that they are filing paperwork with the XXXX county courts. I do n't nor never did have the alleged account in question. They also disclosed my last XXXX digits of my Social Security Number to my parents and when I spoke to them they repeated it back to me again. There were told not to call myself and my parents house and the still did.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}, XXXX XXXX XXXXXXXX Loan Type : CHARGE ACCOUNT Balance : {$0.00}
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have a complicated issue with an old charge account. The original creditor was XXXX XXXX, now XXXX Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We XXXX had XXXX cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made XX/XX/XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called XXXX to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to Portfolio Recover as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if Portfolio Recovery is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

On the evening of Friday, XXXX XXXX, 2015 a retirement check deposit of {$600.00} was made at a XXXX, NY, 1st Niagara Bank ATM into my bank checking account. Before this deposit, my 1st Niagara Bank balance was approximately {$25.00}. Later in the evening, I authorized an over the telephone bill payment of {$41.00} from this account. Again XXXX transactions occurred on Friday XXXX XXXX, 2015. & Yes, before the deposit I did not have enough to cover the bill payment. First Niagara Bank XXXX XXXX, New York, on Tuesday, XXXX XXXX, 2015, then credited the check deposited the prior Friday, but obviously put thru the check as of XXXX XXXX, 2015, rejected the check payment request due to insufficient funds & then charged my account {$37.00} due to insufficient funds. I did not learn of this event until over a week after it occurred. I then went to the XXXX XXXX & spoke to XXXX XXXX. He informed me that the bill request went thru on XXXX XXXX, 2015 & the deposit went through on XXXX XXXX, 2015 because it was made at an ATM. The ATM receipt did not inform me of this. I questioned why I would be charged {$37.00} if the bank did not in fact pay the check. Of course I did not get a response. He did however waive {$7.00} of the charge stating this was all the computer would allow him to do. I also asked why the ATM would take a check deposit if it could not be processed. Again no response. He only stated that since it was an out of state check there was also a clearing time of 2 business days. But of course the bank did not wait 2 business days before taking {$37.00} out of my account. I also informed XXXX XXXX that other banks in the area charge much less for insufficient funds on checks they do not honor with money already sitting in someone 's account waiting to clear. Since I have already incurred nonpayment & return check fees from the company that did not receive my payment, again with funds sitting in my account. I would like the {$30.00} charge returned back to me. I could totally understand this charge if the bill had been paid or if there were no funds in this account at all to cover the check. Thank you.
Consumer complaint received 2016-04-06
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

had a student loan from XXXX around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to Portfolio recovery and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.