davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing Inc, is attempting to collect a debt from me for paypal credit. Thing is I have never had a paypal credit card. Also they are using my old address from about 12 years ago. It has now been forwarded to me and they are now using my correct address but still with the apartment number I used to live in. 

Funny since as stated never had a paypal credit account, and the address is so old. Funny since it is not on any credit report. I knew this was suspicious from day one. It has been going on for about 3 years now on and off.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (IL)

Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

I successfully completed a 12 month payment plan with XXXX without fail. At the end of the 12 month period, a balance was left of {$470.00}. That was paid this past week in full bringing my account to a XXXX balance. However, XXXX reported my account as a charge off of {$470.00}. This is not accurate but that is how XXXX reported it. I filed a dispute with Experien and they filed a dispute the and said it changed but it did n't. It says PAID. Write Off {$470.00}. Again, it should state PAID IN FULL AS AGREED with an GREEN OK sign and that should also be reflected in my credit and fico score. It was not written off. EVERY PENNY was paid.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (TX)

I am writing to your agency in hopes you can help me with this dispute. I am very upset with my credit card company, American Express and the way they handled my claim. I called them on XX/XX/XXXX and they did n't even give me the chance to explain and said that was nothing they could do. I filed a dispute with Amex through you ( CFPB ) and American Express sent me a letter now in response saying that they are unable to refund my account stating that the charge is too old to dispute. I did some research that I could still dispute my charges using the claims and defenses, that I have up to one year from the date of the statement. Which I did. I believe I am within my rights and I appreciate if my credit card company would take a look on my side instead of telling me to take a hike without even opening a case. The charge that I am trying to dispute is {$4000.00} and the company did not deliver the services as promised. And I could barely get in touch with anyone from there, and finally when I complained and asked for my refund they completely ignored my calls. I believe they took advantage of me they prey on the elderly and I believe I am on my rights. And American Express is not even giving me a chance.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC (GA)

I purchased a car after filing Bankruptcy in XXXX, I purchases a XXXX ... XXXX I lost my job and nearly lost my life ... I was homeless got behind on my car not which I had to live in after having a place to live.. I contacted NATIONWIDE SOUTHEAST Financial Company to assure payments will be made and they were. I was in accident XX/XX/XXXX, Although I was not injured my car was hit not bad however.. I contacted my insuracne company and proper party to get my car repaired. After going the hardhsip and two accidents in the month XXXX i advised them to picked the car up after it get repair, and that I no longer can afford the payments because I was homesless amost a year and needed to keep a roof over my head .... The first week I was constantly got calls and i was told once the car is sold I will be responsible for the balance.. I check my credit and they XXXX for XXXX..And my balance is XXXX ... I was taken advantage of there is no way a XXXX is worth or should be XXXX dollars .... This is hendering me from getting any kind of car, I sent you all a copy of whats on my credit ... 
Account # XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated XX/XX/XXXX Original Balance {$27000.00} Monthly Payment - Past Due Amount {$2500.00} Highest Balance - Terms 66 Months Responsibility Individu
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I attempted to file a dispute with Trans Union about my XXXX card. So I went online to file the dispute. At the last point, where I needed to upload documents in support of my dispute, I found that the documents could be uploaded in Windows Edge Browser, but you could go no further as the Submit button was not working. When I called Trans Union, I first was routed to a call center in the XXXX. I 'd already given my dispute ID and then the lady asked me for my Name, then Social Security Number, then she needed my home address. At that point I told her I was not comfortable giving that information to people that do not live in the US and are not held responsible for our laws. So I was transferred to the United states and spoke with an Escalation Man. He then informed me that he 'd heard their submit button was no longer working for supporting documentation, and if we needed to add documentation, we would need to fax it a XXXX with a cover letter and all this documentation, or I could mail it. This, to me, is COMPLETELY unacceptable. TRANS Union IS misreporting information on me, and now I have to PAY to get my dispute resolved?!?!? I 've attached my successful dispute through XXXX, which is what I was going to attach originally.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Provided documents to chexsystems to give notice that this name has a common law copy right notice, aswell as a Notice of Intent Fee Schedule and Ucc Financing statement to show that said property belongs to a secured party. Chexsystems has blatantly disregarded these documents and continue to report negatively within their reporting system and making this public information to other financial institutions.
Consumer complaint received 2015-06-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I recently opened a bank account at Regions Bank in XXXX Georgia. My initial deposit was a cashier 's check from XXXX XXXX. I was told there would be a hold on funds being a new account ; understandable. However, the banking associate told me after processing that because it was a cashiers 's check, funds would be available the next day on XX/XX/XXXX. I returned to the bank on XX/XX/XXXX to deposit another check from XXXX XXXX. At that time I was told I had a negative balance and a hold was placed on the check. That afternoon I received XXXX pieces of correspondence from Regions. XXXX was my check card, the other a letter informing me " We have confidential information that indicates that the check may not be paid. '' XXXX direct ) the funds were to be made available on XX/XX/XXXX. All money that was originally released to me was held by the bank to cover the opening deposit in my savings account, which I was required to open. I have not seen one penny of my money and it has been nine days since I opened the account. When I tried to withdraw money today, they told me my account was frozen. No date was given when funds would be available. The manager told me that the fraud monitoring dept. placed the hold and being Saturday nothing could be done. I would like to have access to my money and close my account and take my business elsewhere. My card was also cancelled because I have not used it yet and my pin number was changed without my knowledge.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (TX)

I would need your help disputing some charges on my Amex card made by XXXX. XXXX was the first company that I paid. They recommended XXXX to me to help me find drop shippers. XXXX promised me a great selection of XXXX. I found out after signing up with XXXX that a lot of the XXXX they identify charge for their services. I was very disappointed in the selection of XXXX and the additional costs involved. I received about XXXX coaching sessions from XXXX ( XXXX was my coach ) on how to access the site and maneuver around the site. After that I could barely get in touch with someone at their office. I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of XXXX dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.
Consumer complaint received 2016-10-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: North American Credit Services (MI)

My husband was paying on my debts. I went through a horrible divorce, was left with no car. Could not work at the time. Had to move back into my parents house and start over. Did not have the money to pay debts. When I moved the bills were not sent to my new address I had no idea how much I still owed or that the bills were being sent into collections. Would like to negotiate a plan to pay off an amount of these collections to have the deleted off all XXXX credit reports now that I have a steady income.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (PA)

Last year, 2014, I went through Quicken Loans for a mortgage and it was the worst decision I ever made! There are so many different departments that my loan went through, I ca n't remember all of them, however, in the one department, XXXX took my loan, changed the interest rate from 4.125 % to 4.255 % so I can bring less to closing. I did not agree or sign off on the new interest rate but XXXX took it upon himself to change my rate and lock it in. I told XXXX to change it back and he could n't nor could his supervisor. I did n't know that I could refuse the loan at the time. I have an FHA Loan. 
They also " Guesstimated '' on my property/school taxes, which are public records. I 'm having a hard time paying my mortgage and bills. I would have never purchased this house and now from being behind on everything, my credit score dropped considerably that I 'm unable to get approved for another loan so I can purchase an affordable home and sell this one. 
I 've applied for a loan modification through Quicken Loans and they lost my husband 's pay stubs. They tried to say that I did n't send them but I have copies of what I sent them originally. This is also not the first time that they have lost my documents. I 'm tired of producing and reproducing information. 
Quicken Loans is the worst company out there and they 're awful to try and deal with. Some people are nice but for the most part they are just plain ignorant! One person told me that my credit score is more important than my mother who was in the hospital at the time with XXXX problems .... 
I would never recommend Quicken Loans to anyone and I 'm telling everyone about what they did to me.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates , LLC ( PRA, LLC ) sent my household a collection notice under a name that is not mine. In addition, PRA, LLC is attempting to collect on a time-barred debt over 14 years old.
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oracle Financial Group LLC. (TX)

Oracle financial threatened they 'd come to my work. That they knew where I lived. Knew who lived in my home. Knew my social security number, drivers license and birthdate. Said I borrowed money and did not pay it back. That they were a XXXX dollar company and I owed them money. I needed to pay or they were going to my county and file papers against me. They had my middle name wrong. They had previous address wrong and wrong drivers license number. Yet they demanded I pay them. Called 5 times leaving threatening messages. Phone number XXXX. Investigator XXXX XXXX. XXXX. Legal official will deliver document. XXXX XXXX senior liaison at Oracle. XXXX ext XXXX.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Had a XXXX XXXX card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from Portfolio debt collectors, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid
Consumer complaint received 2016-09-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P. (NJ)

I get a letter in the mail from my jobs HR dept. telling me that wages are going to be garnished, and I was like what!!! I never got any notices in the mail stating that I was going to be sued or anything. I do n't even remember this debtime of credit card. I have had fraudulent activity on my credit score and stuff. So, they do n't even give me a chance to call or anything they hit me with the judgement and started to garnish my wages! I never signed for a judgement, never got notified of any at that, and they send me a paper saying the debt is {$600.00} and they are garnishing my wages for {$2800.00}!! This is sick! XXXX, new financial services, and resurgent are considered and thieves. They make their own judgement without properly letting the person know, or anything. I do n't make much money and this has crippled me! I call and they do n't care. This is False practice and very wrong and illegal.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (CA)

I have XXXX jobs where I work part time XXXX. I have went into work with a message that MCM company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( MCM company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Debt Mediation, Inc. (MS)

Female only identified as XXXX XXXX called my personal cell phone leaving a message. Said I needed to call her back and that it was very important. Upon calling, the company directory only identifies itself at XXXX. Accessed the correct extension and the female advises me I owe {$38.00} to an apartment complex. I told her I purchased a home multiple years ago and she said it was from 2013. I have never been contacted about this debt previously and had no idea what it was in reference to. I asked for her to send me a bill because I wanted proof they were a legitimate, reputable company and did n't feel comfortable giving my banking information over the phone. She advised me while I was waiting on the bill she was going to report my debt to my credit and housing report ; yelling saying I was ridiculous. I advised her I work for a police department and that I see fraud everyday and only wanted to protect myself. She advised me that she already knew I worked for the police department because she just called my place of employment since I did not answer my cell phone. She continued to yell at me over {$38.00} so I requested her supervisor. Her supervisor was not of much help but identified himself as XXXX XXXX. He gave me the phone number to the company I supposedly owed money to and gave me his extension so I could call him back rather than the original XXXX XXXX. I told him his employee was outright rude and had no right to yell at me and that as a woman with perfect credit who happens to be XXXX weeks pregnant, I did not deserve to be treated the way I had been treated. He advised me to calm down and that she was not rude. He admitted that he had not listened to the conversation between XXXX XXXX and I and had no idea what she said to me over the phone nor knew if I was rude in return. ( I was n't ) I also told him not to tell me to calm down if he had not dealt with what I just had to deal with and I had not even raised my voice. - Upon calling the phone number XXXX XXXX gave me, the apartment complex representatives were extremely helpful and willing to pull my debt from collections. I am an extremely responsible person and do not avoid my responsibilities. They had no right to call my place of employment, they had no right to yell and belittle me, they had no right to harass me over {$38.00}, and they had no right to deny me proof or explanation of debt.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (VA)

I had been looking to refinance by home mortgage as the interest rates are now lower than it was when I had purchased my home. I found a company called " Elend '' or " American Financial Resources, Inc '' who offered me 3.375 % interest rate and a lender credit of {$800.00} among other costs that were mentioned in the loan estimate which was provided to me by the representative of Elend. A copy of the loan estimate is available with me in the email format which can be provided if needed where the above costs and credits are mentioned. Based on the comparison of rates from other providers I went with Elend ( or American Financial Resources, Inc. '' ) solely because they provided a lender credit of {$800.00} which was higher than other competitors and hence the total cost of closing would be less. 
However, after my loan application was processed ( nearly 2 months after the initial rate lock agreement was signed ) I received a " Closing Disclosure '' document from Elend 3 business days before the closing date in which lender credit was reduced to {$65.00}. On questioning the representative from Elend about why the lender credit was decreased I got a response that it was not something they could do anything about. In this case the creditor ( Elend ) has not complied with XXXX XXXX XXXX ) ( XXXX ) ( i ) because the actual amount of lender credits provided is less than the estimated ''lender credits '' disclosed pursuant to XXXX XXXX XXXX XXXX, and is therefore, an increased charge to the consumer ( me ) for purposes of determining good faith under XXXX XXXX XXXX ) ( XXXX ) ( i ). 
In the hindsight if Elend had let me know from the beginning that the lender credit that they would provide would be {$65.00} then I would have never chosen them as my provider because I had better offers from others. I think that this tactic of mentioning a higher lender credit was used by Elend ( American Financial Resources , Inc ) just to get me to use them and not to actually provide the credit that they promised. They are also in violation of XXXX XXXX XXXX ) ( XXXX ) ( i ). 
I hope an appropriate action is taken.
Consumer complaint received 2015-07-19
Product: Prepaid card — Government benefit payment card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On Several times I contact American Express and they request that I verify with the automatic system then they need verify again with representative then why do need XXXX verification. Then the advertise no Fees why was charge withdrawal fee at the ATM. Please verify my account is being hand correctly and they are working within Federal Regulations my American Express Serve Account Number XXXX
Consumer complaint received 2017-02-20
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MA)

They call me up to 6 to 8 times a day and they will call all day on Sundays. We told them that they should n't be calling us on Sundays and they do n't stop. We are only behind about {$200.00} we have talked to them and told them we have been paying {$75.00} over per month on our bill. They said we need to pay the {$200.00}. Our monthly bill is {$400.00}. They have told us that they will keep calling until its paid up to date.