davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I did not complete an order with TransUnion ( no 'complete ' or 'finish ' button was hit, I exited the website before completing any transaction ) yet my card is being charged, there is no way to remove my card from the account, and they will not cancel my subscription until XX/XX/2017. There are no resources to deal with this issue. I am being cheated and am concerned this con site will charge my card further since I can not unlink it or completely delete my account.
Consumer complaint received 2015-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (IL)

I applied for a checking account with Discover - twice now - and XXXX times the application was denied. During repeated telephone conversations Discover insists that A ) The decision to deny my application was made XXXX, not merely based on information furnished XXXX but ultimately made by Discover, B ) there is no way to manually review the application and grant an exception ... that it 's a system controlled process that is completely automated with no manual review possible and C ) It is not possible to provide a list of SPECIFIC reasons why the application was denied. I have been a Discover customer for many years now and this utter lack of concern and the pitiful customer service is very disheartening. Furthermore, on the more recent try, there is no record of a XXXX inquiry so the assertion that the decision was based on that is an outright lie.
Consumer complaint received 2015-05-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CA)

Credit Limit Decrease ReportedSince your last update on XXXX XXXX, 2015, XXXX credit card limit has decreased on your credit report. 

Credit Card Balance Previous Limit New Limit Change {$0.00} {$1000.00} {$200.00} - $ XXXX BANK XXXX XXXX Reported By EquifaxYour overall credit card limits have decreased to {$6400.00}. 

Your credit score, and all credit and loan info are provided by ( C ) XXXX XXXX XXXX XXXX XXXX | All Rights Reservedi am alleging racial discrimination was a factor in TD BANK GROUP XXXX XXXX decision of decreasing my credit limit by {$800.00} on or around XXXX 2015. 

There decision was arbitrary and capricious.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prince Parker & Associates (FL)

Months after cancelling phone service I received a bill for unreturned equipment, despite being told directly from an authorized agent at the time of cancellation that I do not have any equipment that requires return. I have made 5 attempts and 5 series of calls over 3 months between the primary debtor and collections them to relay the pertinent information and to get them to communicate. Each attempt is 3-4 calls minimum over an hour at least and forcing me to take time off work, and each time I have been told directly the issue is fixed and that I do not owe anything only to receive another collections attempt.
Consumer complaint received 2016-09-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Duvera Billing Services, LLC (AZ)

I 've just had to get my car repaired on credit. I went to XXXX of XXXX XXXX XXXX XXXX XXXX ' in XXXX XXXX AZ . They use 'EasyPay ' finance company for financing of customers needing credit. 'EasyPay Finance ' ONLY does 'applications ' by CELL PHONE. This is highly irregular as cell phones have very minute screens in which to view the numerous needed documents. This makes it almost IMPOSSIBLE to see what you are signing. I am also well aware, or thought I was, of the Federal CAP on loan interest rates of 20 %. So when I finally received printed copies of the documents that I could actually READ I noticed that there is an APR of 188.99 %? I initially thought this to be a typo since this is EXCESSIVE? This makes the FINANCE CHARGE {$1000.00} for a charge of only {$810.00}. This entire matter must surely be FRAUDULENT? How can anyone legally charge a larger finance charge than the amount of credit needed? My Application Id is : XXXX I look forward to any correspondence from anyone regarding this matter.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (CA)

The company did not send me notification of a balance after i had completed all payment arrangements and had been cleared of my debt.They sent me a paid in full letter on XX/XX/2016 stating that i was paid off and then after reported my account to XXXX as a collection account in the amount of XXXX.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank did not pay my homeowner 's insurance policy from XXXX which was due by XXXX XXXX, XXXX. I have an impound account with Chase Bank and Chase collects my money every month in order to pay my taxes and insurance on my behalf. The impound account was mandatory and I did not have a choice to not have the impound account. 
My insurance is with XXXX and the amount for that year of coverage was {$710.00}. Because Chase did not pay the bill from my impound account, the policy was cancelled. XXXX mailed Chase the renewal invoice on several occasions but never received payment. 
Chase put a forced placed policy and charged me over {$3000.00} for coverage beginning XXXX XXXX XXXX through XXXX XXXX, XXXX. Had I not called in to ask why my payment has gone up so drastically over the past year and a half, I would never have learned that they did not pay my insurance but rather paid their own insurance at a rate of 4 times higher than my policy. 
I have spent weeks trying to resolve this with Chase. The supervisor, XXXX XXXX, is very rude and denies any liability. He claims he will not authorize a refund. 
My payment has become too high for me to afford. I know there is foul play going on with this force placed policy and I request CFPB investigate this matter on my behalf.
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

We purchased a car that was financed through Santander USA in XXXX. After having years of financial issues, we filed a chapter XXXX bankruptcy in XXXX XXXX. In the filing we included XXXX cars that were financed by Santander USA and our payments made to the courts were solely for the XXXX cars. In XXXX XXXX, we requested that our bankruptcy be cancelled. Prior to the cancellation, we contacted Santander USA stating that we wanted to keep our cars. We dropped the bankruptcy only to find our payments that were made only covered a percentage of the monthly payments and we were now far behind. Santander USA proceeded to call our neighbors, who were not listed on any documents as contacts. We requested deferments, starting making payments only to notice the payments and then requested a resolution to why Santander was calling random people and telling them they were trying to reach us. This was highly embarrassing and consulted legal advice. We never heard back from anyone in management and continued to try payments to catch up. In my research of our account, I noticed that all of the payments to the XXXX XXXX were going towards interest. I called Santander USA in XXXX XXXX and asked them how we could rectify this and I asked that someone in management called me back. Santander USA continued to call us repeatedly around XXXX-XXXX times per day, called family members but never had anyone from management call us to discuss how we could rectify our concerns. I made the last payment in XXXX and waited for someone to call us back. While they continued to call repeatedly, not XXXX call was from a manager. We received several calls for another loan holder. On XXXX XXXX, I received a call from Santander USA and again, tried to rectify the situation. They told us we need to pay over {$2000.00} to get caught up and then we would be on track. I explained that the car was worth {$1000.00}, we have paid over {$2000.00} in recent repairs and that we did not have the money to pay to catch up. The person said they would inform the recovery team to pick up the vehicle. We surrender the vehicle on XXXX XXXX XXXX to " XXXX ''. 

We need to know why Santander USA delved through our social media accounts to contact a neighbor and proceed to tell them of our situation with the car. Why they called us repeatedly but never called to explain the insulting call or the repeated calls to our phones when we were making payments. And, we need to know why no one explained that our payments after our bankruptcy would go directly to interest for almost a year due to the bankruptcy filing.
Consumer complaint received 2015-04-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

I would like request a review of our previous Chase mortgage account. In XXXX XX/XX/XXXX, I requested to have a payment deferred to assist with paying for my daughter college tuition. A severe car accident made my daughter realize that she was better suited for XXXX instead our original college arrangements. Unfortunately, the timing of the situation created a financial burden. I had obtained a XXXX job but it would take some time for the income to make a difference. I contacted Chase to make the arrangements. I was instructed to make the following payments on specific dates, usually after XXXX & was informed it would only have a slight effect on our credit, nothing to compare to if I missed a payment without these arrangements. Later we starting receiving notices of foreclosure & we contacted that mortgage company. They stated that their system does not recognize the payment arrangement & we should ignore them. 
Recently we contacted our bank to refinance a car & they mentioned that it seems it affected our credit as a foreclosure. This same bank also does our taxes & they said the amount of interest we have paid for XX/XX/XXXX & XX/XX/XXXX is as if we completely refinanced our house. Shortly afterwards, I looked at all of the interest statements & the amounts were very erratic. I really believe something went terribly wrong with this deferred payment and it seems to permanently affect our credit & our finances.
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (FL)

TRIDENT ASSET MANAGEMENT is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (FL)

I wanted to report a SYSTEMIC DECEITFUL PRACTICE OF TD CREDIT CARD SERVICES. While a majority of the credit card companies out there, send you alerts before the payment is due, TD CARD SERVICES DOES NOT SEND ALERTS BEFORE PAYMENTS ARE DUE BY EMAIL ( THEY DO N'T ALLOW EMAIL ALERTS, FIRST PROBLEM, THEY DO IT ON PURPOSE TO MAKE PEOPLE LATE ON THEIR PAYMENTS ) ; BUT EVEN WHEN YOU GO ON THEIR WEBSITE TO SET ALERTS ( WHICH IT SELF IS A COMPLICATED PROCESS, WITH ALL SORTS OF MATHEMATICAL OPERATIONS, AT LEAST TO THE LAY PERSON ), THEY GO BACK IN THERE, AND DELETE ALL THE ALERTS YOU SET UP. SO IN EFFECT, TD CREDIT CARDS DELETES ALL THE ALERTS YOU SET UP ON YOUR TD ACCOUNT ( ON THEIR WEBSITE ), INCLUDING PAYMENT DUE DATE ALERTS, TO DELIBERATELY MAKE PEOPLE LATE ON THEIR PAYMENTS. I RECEIVE ALERTS FROM EVERY OTHER CREDIT CARD COMPANY A FEW DAYS BEFORE MY PAYMENT IS DUE, EXCEPT FROM TD CARDS ; THEY PURPOSELY REFUSE TO SEND OUT ALERTS, THEY SAY THEY ALLOW YOU TO SET IT UP ; BUT WHEN YOU SET IT UP, WITHOUT YOUR PERMISSION, THEY GO INTO YOUR ACCOUNT AND DELETE THOSE ALERTS, BECAUSE THAT 'S WHAT HAPPENED TO ME ( I REMEMBER SETTING IT UP, THEN HAVING IT DISAPPEAR, I 'M ASSUMING, THEY 'VE DONE IT ON PURPOSE, BECAUSE IT SEEMS CONSISTENT WITH THEIR OVERALL BUSINESS PRACTICE, BUT NEEDS TO BE INVESTIGATED FROM YOUR PART TO MAKE SURE, IT 'S NOT AN ISOLATED INCIDENT ). I HAVE LOST HUNDREDS OF DOLLARS, BECAUSE I GET NO CORRESPONDENCE FROM TD BANK AS TO WHEN MY PAYMENTS ARE DUE! I AM NOT SURE HOW THIS CORRUPT COMPANY IS ALLOWED TO OPERATE IN AMERICA, BUT THEY NEED TO BE HELD RESPONSIBLE FOR THEIR WRONGS!
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

I contacted XXXX XXXX back in 2008 when I worked for them in sales and also had a cell phone account with them because that was the clause when working for them, you had to have there service. At that time I had a discount on my bill for the number of years that I had it, but once I left the company I changed cell phone providers, thus I chose to move to a different cell phone carrier. So I paid my final bill and went to another cell phone provider. Now years later XXXX is stating that I owe them money when In fact I do not! They have been in many lawsuits for overcharging and over billing people and now they 're trying to overcharge and charge me for service which I have not had for over 4-5 years! I do not owe them any money nor have they ever contacted me or tried to send me anything saying I told them. When I did contact them to ask where is this bill coming from? They could not confirm any Bill to such an amount of {$1300.00} that they are stating on my credit report. I 'd like this item removed from my credit report as quickly as possible. Thank you in advance for your help.
Consumer complaint received 2015-07-10
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (WA)

We refinanced our home with Chase bank in XXXX. Instead of paying off our credit cards like we thought was going to happen. They did the refinance at more than our home was worth and gave us a line of credit adding another debt. We had a few hard times over the last several years. XXXX was told she has XXXX then I XXXX and was off from work four months. After returning to work three months later was riding the bus home and the driver moves and stopped before I sat down and I XXXX. The next year XXXX fell and XXXX and it needed to be XXXX. u can see where we r now.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC. (MD)

My recent credit report showed a collection account from XXXX. I reached out to XXXX and filed a complaint and provided evidence that the account was settled in full. XXXX responded and indicated that the cancelled checks payable to XXXX were endorsed by NCO Financial and XXXX was never paid ; hence, the collection. Please see attachments of cancelled checks and correspondence from XXXX.
Consumer complaint received 2015-10-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I have initiated a MoneyGram " send money '' transaction ( where they take the money from my bank account and give the money to a recipient abroad ). They found a problem about the transaction, some recipient middle names order not matching the recipient ID, and told me that they can not release the money to the recipient because of this reason and advised me to cancel that transaction ad do another one. 
I went on MoneyGram website and cancelled that transaction on XXXX/XXXX/2015. Regardless, they still took the money from my bank account, {$520.00}. No information was available on the status of this cancelled transaction on their website until eventually they shown a cancellation date for that transaction of XXXX/XXXX/2015. When I asked them why the difference between my cancellation ( XXXX ) and their posted data ( XXXX ) they answered that they needed that time to " properly process '' the cancellation. Hilarious. Their web site states, when cancelling a transaction, that it should take between 3 and 10 business days to get the funds back in the bank account, so one would think that it should start counting 3-10 business days when they do the cancellation. No clue that, before that, there is an arbitrary number of days that MoneyGram takes to " properly process '' the cancellation request. Hilarious, ridiculous, frustrating. 
Since I did not see my money coming back to my account I called them repeatedly, last time on XXXX/XXXX/2015. They keep transfering me form one person to another or let wait on the phone indefinitely ( about XXXX persons during the last call, until I had no choice but hang up furiously ) and can not give me a clear answer. When I asked them to be transferred to a supervisor they state that they have no supervisor ( which may be an explanation why they do n't know what they are doing ). Ridiculously, eventually someone advises me to check with my bank. Then I ask, OK then please give me the date when you sent the money back to my bank but they can not give me any specific date, keeps telling me that it can take time for the cancellation to be processed. Last person that I talk with states that it can take up to 45 business days to complete the refund. This statement seems inaccurate since what I have seen on their web site says between 3 and 10 business days, so I ask the person to direct me to the page on their site / policy where I can see that information but they are not able to do that. 
Bottom line, there is more than one month since I am waiting to see my money come back to my account and there is no sign that it will happen or that anybody at MoneyGram is capable to troubleshoot and give any valid information.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Bait and switch by Regions bank to sign up for a new bank account. 
In XXXX 2015, I signed up for a public offer through XXXX - {$300.00} offered as a sign up bonus for a new bank account after ( 1 ) opening a XXXX checking account, ( 2 ) making XXXX purchases with the check card and ( 3 ) {$500.00} or more in direct deposit. Offer states that once criteria is met, " get a {$300.00} credit to your regions account within 120 days. '' Upon signing up for the public offer, I received a welcome phone call from a customer service representative who informed me that I successfully signed up for the {$300.00} offer as defined by the public offer. He stated that I would receive the {$300.00} bonus as long as all of the criteria was met within the defined time frame ( 60 days ). 
I met the above defined criteria within 45 days of opening the accounting. However, I did not receive my bonus within 120 days or anytime thereafter. I emailed Regions in XXXX, XXXX and XXXX to inquire as why I had not received the bonus. Each time they stated that I needed to wait longer and that the bonus should be credited to my account if I met the defined criteria. Finally, in late XXXX, my case was escalated to a customer service agent who investigated the issues. She returned with the response that I did not enter in the offer code and she put the burden of proof on me. However, the offer that I signed up for was a public offer, through a link on XXXX. I provided ( 1 ) the public offer link, ( 2 ) a screen shot of the public offer as defined when I signed up and ( 3 ) the public offer code ( non-unique ) that I entered when I signed up for the bank account - XXXX. Further, I was able to show that I signed up for the bank account with the intention to obtain the {$300.00} bonus by my activity within the account - I met the defined criteria within 45 days as evidenced by my bank account history information. 
Unfortunately, Regions informed me that I did not enter in the public offer code XXXX when signing up for the account and therefore was ineligible for the {$300.00} offer. However, as stated above, I ( 1 ) received a phone call from regions at account inception confirming that I entered the code, ( 2 ) was able to provide a screen shot of the offer when I signed up for the account - public offer, and ( 3 ) I was able to provide the exact code that I entered when signing up for the account - non-unique code of XXXX. 
I am very disappointed in this situation and feel that I was both wronged and defrauded by Regions bank. I met all defined criteria of a public offer and Regions did not come through on their end. Bait and switch tactics by the marketing department to increase the customer base within Florida.
Consumer complaint received 2015-12-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (VA)

On behalf of my son, a XXXX, his student checking account was debited by TD Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? 
Thank you.
Consumer complaint received 2016-05-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CA)

I have a son who is XXXX years old living in XXXX. He uses my address even though I have asked him not to many times. He grew up in the house that I live in. He is financially irresponsible and I have no idea what debts he has but debt collectors are always trying to contact me. I am XXXX years old, have impeccable credit and own my own home ... I have no debt except a mortgage. I have XXXX rental properties on my property so several names are associated with my address. I have been receiving calls from a company called EOSCCA at a number using XXXX. Not only have I been receiving calls ... which are usually made during the day and I do n't pick up and they leave no messages ... .but they are also calling people that are my tenants and asking for my son by name. I have called EOSCCA and they are smug and unhelpful. They are obviously using tactics to get phone numbers that are not even associated with my son or his debt ( whatever that may be ). I would like to file a formal complaint against them and a demand that they stop calling me or anyone else associated with my address. I feel like I have to move away from my home to get this to stop happening. Please help and let me know what to do. Thank you.
Consumer complaint received 2016-07-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (MA)

Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( target/TD ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. At this time i would have thought that Target/TD would have also received the Court Documentation considering they were the ones who initiated the complaint to begin with. However they have yet to comply with the Court ruling. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX