davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Account Services, LLC (TX)

On XXXX/XXXX/XXXX I was injured at work, resulting in TX workers compensation claim numberXXXX ( now updated to claim numberXXXX ). 

Despite providing the WC claim info to XXXX XXXX XXXX XXXX XXXX XXXX multiple times, they repeatedly billed me for services rendered. 
My WC Adjuster even contacted them XXXX/XXXX/XXXX to advise that they could not bill me ( see attached ). Instead of correcting the matter, they turned me over to collections. 

As I communicated to the XXXX XXXX XXXX XXXX XXXX 's billing department multiple times in XXXX -- and to the collections company Patient Account Services , LLC in XXXX -- this is not a valid debt. Over the past two years I have made multiple attempts via phone, fax and mail to correct this matter with both XXXX XXXX 's and with Patient Account Services without success. 

The treatment provided by XXXX XXXX XXXX XXXX XXXX on the date of service XXXX/XXXX/XXXX was related to a valid Texas Worker 's Compensation claim ( see attached ). Pursuant to the Texas Worker 's Compensation Act, Section XXXX, neither PAS nor XXXX XXXX XXXX XXXX Hospital are allowed by law to bill me for services provided. 

Attached is a letter sent from the Worker 's Comp adjustor to XXXX XXXX 's on XXXX/XXXX/XXXX stating this fact. I am unclear this company continues to pursue collections against me for this illegitimate debt. This inaccurate account should NEVER have been transferred to collections. Not only have both XXXX XXXX and PAS attempted to collect on this illegitimate claim, but have reported false data to the XXXX and XXXX credit bureaus. 

I am in the middle of buying a house and this inaccurate collections account is impacting my ability to do so. This account must be deleted, and the reports retracted from the Bureaus, immediately. 

Additionally, I would like to receive written communication from the company stating that they will discontinue collections and delete the reports from the bureaus.
Consumer complaint received 2015-06-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (VA)

Following was the sequence of events that happened to me with a purchase from XX/XX/XXXX Day after XXXX, opened a Red card from Target with purchase of XXXX dollars. Do not remember signing up for paperless statements, but I missed the XXXX statement, their rep called me on XXXX XXXX, I asked for a waiver on late fee, and they agreed to it, I wanted to pay it off in full. Since I was driving when she called did not remember the original amount, I just asked for full payoff amount which was she said was XXXX dollars, but she gave me minimum amount due. For next XXXX months I did not get any bill in emails or hard copy. I got call from collection agency in XXXX, that I owe XXXX dollars. Most of which are late fee. Now when I am disputing that I asked for full payment in XXXX, they are saying that it is only minimum payment, when I ask for voice recording, they said they can not provide. Since our agreement was only verbal, that is the only proof I have. Are there any other options for me apart from paying XXXX dollars which I think is totally not fair. 

Thanks
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (UT)

I received a summons from XXXX the attorney for Express Recovery Services in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of XXXX today, XX/XX/2017, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.
Consumer complaint received 2015-10-10
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (HI)

I set up auto pmt on my account by filling in a form with my name and address and attaching a voided check from my bank. The scheduled auto pmt did not go through -- I was charged interest because my payment was denied by ACH -- NOT by my bank. My bank researched the problem and said that ACH denied the payment. I called the cc company and they said it was my fautl -- I must have filled in the form wrong. I submitted a second form and to prevent the same thing happening I paid my account through the online payment feature. I had used it once before with no problems. The website said the payment was accepted. I got a confirmation email also. XXXX weeks later my credit card was declined. I called the cc company and they said they did n't get the payment and I needed to pay the minimum amount. I told them to check on their side. Why would n't the online payment go through this time when I had used it successfully before? The customer service rep said she could n't do anything and that her supervisor would be researching the problem. Also, she could n't explain why they did n't contact me via email or telephone when the payment did n't go through and they put my card on hold. Its been one week and I have not heard anything back from them. I continued to try to make payments using the online method and finally I was able to get XXXX to go through. I am closing this account, but I told them I wanted all interest and late fees back since it was their problem my payments were n't getting through. Also, I wanted my credit report to show I was not late.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

When one has an account with XXXX, you can add a debit card, or checking account. If for any reason one account does not get paid, XXXX will continue to attempt a charge. This is fine. However when it hit my bank account with TD, TD hit me with overdraft charges claiming that it was XXXX 's fault. I complained to TD bank who did not help and whose comment to me was that they had refunded banking charges to me in the summer. This is another situation over which I do n't have control, but my bank account gets slammed. All the banks charge exorbitant overdraft fees.
Consumer complaint received 2015-05-05
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (AL)

I have been paying only the interest on a {$5000.00} title loan that I was forced to get under duress of just losing my job. I have a car in which I spent nearly {$2500.00} in repairs and the truck still does not work and I have missed work on several occasions due to this. I 'm in financial distress due to this and I even paid {$670.00} which only went towards the interest. Had I know this would happen like this I would have never agreed to this amount of money. And to make matters worse I lost my home in a fire XXXX XXXX 2014. I need help, please help me..
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I previously had an account with Citizens Bank ( previously Charter ). The account came with a credit card WHICH I NEVER USED. I closed my accounts ( CD/Checking ) with citizens a couple years ago-forgetting about the charge card because I cut it up upon receipt. About 2 months ago, I received a letter from the bank stating they were increasing my credit line. I immediately contacted them and told them I do not have any accounts with them The man said, " we do not automatically close the charge card ''. I explained that I have no idea what the card number was nor do I know what my account # was because I had closed the accounts 2 yrs. ago. He did assist me and stated he closed the account. I informed him I wanted a letter, in writing, stating that all accounts have been closed. It has been 2 months since I contacted the bank and to date I have never received anything from Citizens acknowledging that the credit card has been closed.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am a senior citizen and due to a financial hardship have been trying to obtain a loan modification on my mortgage. I started the process with SLS servicing an agent for XXXX XXXX mortgage on XXXX XXXX. I submitted all required documentation. I have made at least ten calls and was told it was submitted to the underwriters. Today XXXX XXXX I was told that I need to resubmit a XXXX page application all over again when it was already submitted on Novemmber XXXX. It seems they are delaying the process for some reason. I am extremely frustrated. I can not get any satisfactory response on the status of my request.
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WI)

Signed up with tmobile, had a phone and a tablet with data. My tablet kept breaking under manufacturers warranty. I called the manufacturer to send it in for a warranty repair ( which would have been free ( - {$7.00} shipping ). Unfortunately since my tablet had LTE, they told me I have to go through where I activated it to have it replaced. I went to XXXX and they created a service order to get me another sent out. They charged me {$20.00} for shipping and tried to tell me if I had a protection plan it would have been free. I 'm not happy about the {$20.00} shipping vs the {$7.00}. Anyway, I get my tablet and it has the same issue as the first. I go into XXXX, and I 'm hit with another {$20.00} shipping charge ( mind you it 's still under mfg warranty ). I reluctantly paid them again and waited for my new tablet. When it came in the mail, it was cracked in top right corner and bottom right corner. I go to XXXX store and yet again they tell me {$20.00}. I did n't warranty it again that time because thatwould have been {$60.00} to get a warrantied tablet working. Anyway, I decided I was done with XXXX. I called them up to cancel my services and to lay my final bill. The first person that picked up the phone was very unhelpfull, I told him I wanted to cancel my lines, yet he was very persistant to try to keep me as a customer. I refused, and that should have been the end of it. A few months later I realized that he did n't cancel my account and I have been getting billed for tablet data. I call back and the second person that helped me was very helpful, she closed my account fully and she looked over my account, and she told me my final balance. I paid for it over the phone and she told me that everything is payed for and to ignore the next bill in the mail, as todays payment would not show up. Bill shows up and gets ignored like she told me. The bill kept showing up for the same acct. They called me about it. I told them to check their records, everything was payed for. They sent me to collections, so I filed a XXXX complaint. An agent from XXXX called me to inquire on the complaint made by me, I expected him to have my information and history ready. He calls, he tells me I owe {$110.00} for my tablet, I asked him to go through my notes and records on the account, but he told me he did n't have any of that ready, and insisted I pay them. He did no research into my account, and talked down to me. He was n't willing to go through my acct history, and told me to just pay them. Now I get annoying collection calls all day from a XXXX.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (WI)

On XXXX XXXX I had a payment due on my Chase credit card. I went online at approximately XXXX CST to make this payment and completed the payment around XXXX that evening. After my statement was cut I noticed that I had received a late fee on my account and the payment that I processed at XXXX on XXXX did not go through until XXXX. I was unware of the cut-off policy that Chase has that payments processed after XXXX EST are processed and dated for the next business day. I then later found out that if you call customer service and process a payment over the phone they can date the payment for the same date until midnight the same day. Because of the lack of information given and available to me the customer service rep that I spoke with on XXXX stated that he would be reversing the late fee assessed to my account since I was late by & lt ; an hour and if I had know about the payment policy I could have easily avoided this situation. 

I have since messaged Chase numerous times following up on this fee reversal and they claim that they do not have a record of my call on XXXX and will not reverse the fee. I am very disappointed given the circumstances and the commitment by the customer service rep that the fee for this " late '' payment is still outstanding.
Consumer complaint received 2016-01-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank recently closed my bank account due to an reporting by Bank of America to XXXX XXXX XXXX , XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently Bank of America reported me to XXXX TWICE by in 2011 and I did n't find out until recently or even why!! I contacted bank to ask to remove XXXX XXXX report and they said since its from 2011 they ca n't see that far back and that its was written off. They then invited me to open a new account ... Please make them remove the XXXX XXXX XXXX report.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I have had several private student loans with Navient ( formerly XXXX XXXX ) since 2009. On multiple occasions, I wanted to either increase my monthly payment beyond that of the standard repayment plan or make an extra payment towards the principal. I found when contacting them to try and have these items completed as there was no option to perform these activities online, not only were the wait times on the phone on the order of 45min to 2 hours, the service associates were not very informative or helpful. With regards to requesting an increase in my monthly payments, once the service associate finally understood what I was trying to do, the actual value that they debited from my account was less than the value requested. For example, my standard payment was around $ XXXX/month on their standard repayment plan which was automatically debited from my checking account and I requested to have the payment increased to a minimum of $ XXXX/month. I performed this request on numerous occasions over the years as my payment history demonstrates, and each time I made this request, the servicer proceeded to change my payments to a value between {$290.00} and {$290.00} per month, which automatically decreased through the year, never actually increasing the payment to or above my requested value. When I finally noticed that this was what had happened, I requested the payments increased to values above {$310.00} and $ XXXX/month to ensure my original request was met as they were unable to fulfill what I had originally conveyed to them. Additionally, when I have requested to schedule additional larger payments towards my principal without it going toward interest payments, I was generally not given clear information or a reasonable method on how to do so. I was told to mail in the additional payment such that it is processed on exactly the loan payment due date ( of which it is not possible to guarantee mailing time nor servicer processing times ) or call on the phone the exact day the standard loan payment is due, and for a fee, make an additional payment at that time. They offered no alternative options to make an additional payment against only the principal without incurring fees or a portion of the payment going to interest. Both of these experiences, with the servicer not following through with my requests for increasing the monthly debited payment to a minimum specified value, and not offering practical options for making additional principal payments, has resulted in negative financial consequences for me as the customer and financially benefited XXXX/Navient as the servicer.
Consumer complaint received 2015-09-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

This concerns a private student loan that I obtained during my first year of XXXX school in XX/XX/XXXX at XXXX University XXXX XXXX XXXX, XXXX, Oregon. As a condition of obtaining the loan, I was required to obtain a guarantor. My now ex-wife 's grandmother agreed to be the guarantor. The loan was for about {$4000.00} to cover tuition and living expenses. The loan was issued by XXXX XXXX and has been continuously serviced by XXXX XXXX, now Navient. 

Since the loan has been in repayment, my guarantor has been making {$75.00} payments every month directly to XXXX XXXX, which is significantly higher than the minimum monthly payment. I have reimbursed her for each of those payments. She has done this to ensure that, despite any fluctuation in my ability to pay, the loan will be paid and will not adversely effect her credit. A few years ago, I calculated that this accelerated repayment schedule would pay off the loan in full in about 18 months. That was now at least two years ago. 

In addition to the $ 75 monthly payments, I have also been paying the minimum payment as an auto-draft from my checking account. This minimum payment is around {$6.00}. 

After remembering my calculations last month, I checked online to see why this loan was not yet paid off, and I discovered that in XXXX XXXX ( around the time that XXXX XXXX changed to Navient ), the {$75.00} payments were no longer being credited to this loan, even though my guarantor was mailing checks in every month, using payment coupons provided by XXXX XXXX to the address provided on the coupons. There were about {$1300.00} in payments that were missing, which was more than enough to cover the outstanding balance. 

I called Navient on XXXX XXXX, XXXX. The agent was able to tell that the {$75.00} payments from my guarantor were being made, but that the payments were being applied to my Federal Spousal Consolidation Loan. My guarantor has no connection with that loan. I instructed them to correctly apply the payments, and they assured me that it would be done within 7-10 business days. 

It has now been nearly a month since that conversation, and my loan still shows an outstanding balance of {$300.00}. 6 of the {$75.00} payments that were made between XXXX XXXX and XXXX XXXX are still not showing as having been made on this loan. This amounts to {$450.00} in mis-applied payments, which is more than enough to pay off this loan. In the meantime, I have continued to make principal and interest payments ( of about {$6.00} ), when the loan should have been paid in full months ago. 

I have emailed Navient about the issue, but they have not yet gotten back to me. The last time I called them, it took well over an hour.
Consumer complaint received 2016-05-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My father passed away and had a Bank of America Checking and Savings account that was " POD '' payable on death for myself and my sister. I went to the Bank of America Branch at XXXX XXXX XXXX XXXX in XXXX and give them a copy of the death certificate and the last bank statement. The person there said " we will contact you by mail. 2 weeks past and I did not get anything in the mail. I went back to the branch and asked when I am going to be contacted? They said they did not know and said " to wait longer. '' They also refused to give me any current information about the account, such as balance etc. I asked where the people are who are going to contact me and they said " they did not know. maybe in Texas or XXXX XXXX ... '' Another week went by and I went back to the branch. They gave me a phone number and a " reference number. '' I called it and was switched to a stock broker at XXXX XXXX named XXXX XXXX. There was a investment account associated with the checking and savings account, however I was previously told by Bank of America staff that : " the checking and saving account POD only applied to those accounts and not the brokerage account. I still have not gotten my share of the balance from the checking and savings account. Bank of America has yet to " contact me by mail. '' I can not get any documents relating what was set-up by my father, or the relationship of the Bank of America accounts, the Merrill Lynch account, Another bank where my father had an account paid the POD account within 5 days of the presentation of the death certificate. Bank of America has deliberately delayed paying the POD savings and bank accounts, and has had conflicting information on the accounts and the processing of my request. This involves both a checking and savings account at B of A.
Consumer complaint received 2016-05-23
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went into the Bank of America branch, located in the XXXX zip code off of XXXX in XXXX, Ca. I was informed that the bank was unable to cash a check that is drawn off of their system because they simply could not swipe my card. I let her know that my card was bent and it would not read. I was then turned away by the teller and the manager saying that they are unable to cash my check for no reason other than it would not scan.