davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Billing statement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. 

During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. 

I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. 

On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. 

On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. 

On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. 

It has been over 60 days since my first complaint was filed. 

The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. 

I am having a lot of trouble resolving this issue.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's been over 90 days since i sent the letters to the credit burau I waited more then 30 days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from XXXX and TransUnion but still show on XXXX. XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (VA)

As a student at XXXX, specifically XXXX, I was demanded to obtain partial student loans from XXXX and the remaining amount from XXXX. While in school, XXXX staff continuously demanded that I repay the loan while in school or suspended until the balance was current. In addition, although I completed all of the required courses and internships, my certification was withheld and has not been released to this date. Moreover, while at school, I was pulled from class on several occassions to discuss the status of the loan, when it needed to be paid, and what the repercussions would entail if I did not follow through with accurately paying on time. The US Department of Education finally approved my XXXX to repayment and cancelled the federal loans obtained while at XXXX. However, XXXX sold my account to XXXX and XXXX in the midst of CFPB 's law suit. XXXX is reporting the account as adverse, negative, and as a charge off on my credit report and refused to remove the reporting.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (FL)

I returned from an international assignment to the USA on XXXX/XXXX/16. I applied for a new credit card with American Express and was approved on XXXX. I received my credit on XXXX. I called and activated my card on that same day - the agent stated I could use the card immediately. On the phone, I had the agent document XXXX very important transactions I needed to make. I then logged into the AMEX portal and tested those transactions in their verification tool - both transactions were approved. On XXXX I drove XXXX miles to complete a car purchase, of which a down payment was XXXX of my important transactions. The transaction was denied and when I called the AMEX customer service agent, they said they could n't help me. The next day I was sent a request to get a form notarized that provided my identify. I have sent that in and continually call into AMEX to get my problem resolved, which is still outstanding. At this point, I have to wonder if AMEX is discriminating against me based on my international background and heritage? This situation has become unfathomable.
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have XXXX Amex cards. Both cards ' page after log in showed " spend certain amount on a mainstream retailer and get specific amount of cash back '' under the card benefits section. When I spent those amounts, the credit card refused to honor the cash back. They said I had to enroll in the offer. There was no option to enroll the offer ( into the cards ) earlier. 

Now after I have made the transaction, the offer to enroll the cards has appeared but only for smaller lesser known merchants and retailers. That mainstream retailer offer above is no more. Nor would they honor the offer when I called in. I think it 's a bait and switch kind of scheme to defraud customers. I expect millions to have been defrauded by Amex!
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

During Covid my loan matured and I tried to work with Citizens bank to get refinanced, I have been trying for over 3 years submitting papers. I send in the papers they asked for then they would ask for more papers and I would send them in they said the first ones had expired and to start all over again. This has been going on for 3 years. The one paper they needed was a XXXX the agent asked if I had it, I said no so she sent it to me. When I received it I called Citizens so they could tell me how to fill it out, she helped me I submitted it and it kept getting denied for 2 weeks. I called to see what the problem was and they said I didn't fill out the whole thing, which I said I called and the agent helped me, she then helped me fill out the rest and I submitted it for over XXXX weeks again only for it to be denied again. I kept calling for 2 weeks and they didn't know what was wrong but after the third week the agent said I filled out the wrong form which I said that is not possible Citizens sent me that form. I have almost had a nervous breakdown with them, I have submitted so much of the same paper work over and over again and I have been begging them to just let me start paying. All my conversations have been recorded. Also my foreclosure is on pause until the XXXX. The interest is adding up I have been paying on this since 2006 the loan amount was XXXX and now I owe XXXX. It is not fair that these banks take advantage of people like this and I even talk to an attorney and he told me not to even bother doing anything because I would never win against Citizens, this is for my second mortgage my first one is fine with no problems.
Consumer complaint received 2016-05-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (IL)

ON XX/XX/XXXX16 I WAS ATTEMPTING TO MAKE A PHONE PAYMENT WITH MY PRE PAID CARD TO MY CELLULAR PHONE COMPANY BOOST. I WAS UTITLIZING THIS METHOD TO ESTABLISH A PAYMENT HISTORY VIA MY PRE PAID DEBIT CARD. AS I BEGAN TO FOLLOW THE PROMPTS FROM MY CARD HOLDER, I INADVERTENTANLY PUT IN THE WRONG ZIP CODE, AND I WAS DENIED ANY FURTHER ACCESS TO THE ACCOUNT DO TO THE FACT I HAD FAILED THAT PART OF VERIFICATION. AS I WAS INSTRUCTED TO START AGAIN, I GAVE ALL ACCURATE INFORMATION, AND MY PAYMENT WAS PROCESSED. IT WAS A SHORT TIME LATER THAT I SOON DISCOVERED THAT I HAD BEEN CHARGED TWICE FOR MY CELLULAR PHONE BILL. AS I CONTACTED BOTH PARTIES, MY CELLULAR PHONE COMPANY HAD ONLY RECIEVED XXXX PAYMENT, HOWEVER MY CARD HOLDER HAD INDEED PROCESSED THE FIRST PAYMENT, BUT PLACED A HOLD ON IT DUE TO VEIFICATION, AS WELL AS CHARGED A SECOND PAYMENT IN THE FULL AMOUNT, WHILE THE PAYMENT WAS APPROVED. AS I HAD MANY DISCUSSIONS WITH BOTH MY CARD HOLDER AND MY CELLULAR PHONE COMPANY, IT WAS QUITE EVIDENT THAT MY CARD HOLDER WRONGFULLY BILLED MY CARD AT THE ONSET OF MYINITIAL TRANSACTION WITH THE FULL KNOWLEDGE THAT I DID NOT PROVIDE ACCURATE VERIFICATION INFORMATION, AND FOLLOWED SUIT BY BILLING ME AGAIN WITH THE ACCURATE INFORMATION, HOWEVER MAKING NO ATTEMPT TO RECTIFY THIER PREVIOUS MISTAKE, AS WELL AS LAY BLAME ON MYSELF AND MY CELLULAR PHONE COMPANY BY STATING THAT THE FUNDS WOULD HAVE TO BE HELD FOR XXXX TO FOURTEEN DAYS TO ASSURE THAT THE CELLULAR PHONE COMPANY DOES NOT PROCESS THE TRANSACTION.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

1 the entire amount was {$400.00} plus 2 I try to get my annual fee remove because I was n't aware of it. 
3 I closed the account so I can pay the amount little by little but nex mouth was XXXX or XXXX more 4 I wanted to pay them what I owe but the y keep on bringing the amount up 5 the were always extra fees or purchase from California I do n't live in California
Consumer complaint received 2016-07-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (OR)

I placed {$1000.00}. on my wife 's prepaid card a month or two ago. Almost immediately the money was stolen by fraudulent charges made in XXXX. Amex refunded a couple XXXX dollars after a month or so but refuses to refund the remaining fraudulent charges. The customer service reps in XXXX are poorly trained and completely useless and nobody at the amex company in XXXX will talk to us, call us back, take us seriously etc. Please help.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX, I attempted to purchase a personalized gift card from American Express using my American Express credit card. However, when I attempted to complete the order, I got a server error message and never received formal confirmation that the order was successful. I called Amex several times that day and spoke with XXXX people for over an hour! I wanted to cancel the gift card because I was so disgusted that so few know what they are doing in customer service and each time the gift card group was attempted to be contacted, the line would disconnect or the wait time was over 10 minutes and I would get disconnected again. But American Express would not allow me to cancel because they stated the charge was pending. That I had to wait 48 hours for the transaction to go to pending to recent activity. I checked my activity online every day since and the pending amount of {$77.00} was no longer there when I checked on XXXX/XXXX/16 but it was not on my recent activity. So I was not sure what was going on. At XXXX XXXX EST I received an email from American Express stating that the gift card was shipped. But when I checked my account activity several times prior to XXXX EST and afterwards the {$77.00} charge did not appear on my activity nor pending. Proof attached. I was again angry because American Express has a terrible customer service group that is mostly outsourced. I spoke with someone at XXXX EST and I asked why I was not able to see the charge before having the ability to cancel the order? 
So they shipped the card to the recipient and when I asked about cancelling the order I was told they would do it but then the recipient would receive a card with no funds. It is absolutely ridiculous. How could I cancel an order and have a gift card sent to someone without any funds? What is illogical to me is that if I order something online from a large department store, I have the ability to cancel the order within 30 minutes of the transaction. 
But I ordered something from American Express and they would not allow me to cancel the transaction before being approved. So in my view, what Amex just did is not within normal standards and I was never given the proper opportunity to cancel the gift card before it officially appeared on my activity. They basically cornered me and I felt forced to leave the charge as is because I could not in good conscience have them ship a card to someone without any funds. This is n't proper procedure in my view and I find it a violation of ethical and regulatory standards.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I apologize that this complaint is being filed late - I only recently learned of the service that the Bureau of Consumer Financial Protection provides. This complaint is related to our mortgage with Bank of America for our property at XXXX XXXX XXXX, XXXX, CA XXXX. In XX/XX/XXXX because our property was severely under-water ( we owed about {$300000.00} more than the property was worth ), we began the short-sale process. In XX/XX/XXXX, a buyer was identified and we sent the proposal to Bank of America. After months and months of delays, with numerous requests for more and more paperwork ( very frequently it was a request for information that had already been provided, several times XXXX, Bank of America finally approved the short sale. We received a letter from them ( see attached ) outlining the details of the approval. We complied with all requests. As you can see in the attached document, B of A indicated that we would receive {$22000.00} as part of a government program. Once the short-sale was approved, it took the buyer a little longer to get his financing approved - about 3 weeks. Because of this delay ( and despite the months of delay we had experienced with Bank of America XXXX, we were told that we were no longer eligible for the {$22000.00} because the program had expired. This seems very unfair to us because we had been diligent in complying with all the bank 's requests in a timely manner. Additionally, we had a credit card with Bank of America for many years ( unrelated to our mortgage with them XXXX. During the short-sale process, the bank sent us notice that our credit card was discontinued AND that we were no longer entitled to the rewards we had earned on the card ( rewards totaled about {$900.00} XXXX. It just seems that Bank of America acted unfairly with us.
Consumer complaint received 2016-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

After multiple attempts to resolve this issue with the loan servicers, American Education Services and National Collegiate Trust, by presenting a reasonable repayment option that would allow for a full repayment of the loan they have illegally defaulted on. Their actions have been in direct violation of multiple federal laws. I am providing 30 days for these companies to agree to my terms of a full repayment of my student loans under the condition of a complete reversal of all illegal negative credit reporting against myself and my co-signer, as well as reasonable monthly payments. If no attempts to resolve this issue are completed, I will be forced to use the courtroom to protect myself from this blatant discrimination against my and my cosigner 's federal rights.
Consumer complaint received 2016-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IN)

Loan was sold from XXXX to Pioneer Credit. They have called countless times and not left messages and when I call the number ( s ) back I either am on hold for over 20 minutes with no answer or I get a message saying the number is no longer in service. However my biggest complaint ( s ) is that they called my church and demanded the secretary to speak with me ( I do not work in my XXXX ). They have also called a nonprofit organization that I sit on the board for twice, once leaving a message and the other lying to the secretary stating that they are old friend from the past and have important paperwork that was sent to them by mistake that they need to forward to me.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

On Friday, XX/XX/XXXX I received a {$50.00} Amex e-gift card as a reward for online surveys completed. I read the instructions and added it to my XXXX XXXX account. Since then I have tried using it in person in different stores and online on different store websites. Each time the card is declined despite my purchases not going above the {$50.00} limit. When it was declined twice on XXXX it deducted {$.00} for each " transaction. '' My husband and I also have a few {$100.00} Amex e-gift cards given to us as gifts. We have run into this same problem trying to use these Amex e-gift cards online. The Amex website states that you can use these gift cards any where Amex is accepted and yet they are always declined. 
After doing some research, I have found several XXXX threads discussing this exact same problem. The most recent one is from XXXX of XXXX  : XXXX XXXX XXXX One of the individuals in this thread works for XXXX and they are currently working through a dispute with Amex. XXXX has given hundreds of Amex gift cards to patrons and none of them are working.
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please see attached for entire narrative. 
I wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A CASH deposit was made into my Bank of America account and I am not able to access the funds the same day. This is outrageous. CASH deposits should be made available immediately, not the next day. It is not right for Bank of America to hold my cash for a day for no reason. This is beyond the pale of reason.
Consumer complaint received 2016-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Navient XXXX This companies phone system is purposefully misleading, hangs up on students trying to make payments, and purposely does n't provide a way to get ahold of a representative. I think their practices are designed to mislead and postpone students trying to make payments in order for them to collect late fees. If they secured the right to service these loans then they are obligated to provide a CLEAR way for students to make payments and address issues. They should be penalized for their failure in this area just as ( I 'm sure ) they penalize XXXX students who are trying to pay their loans in good faith, but are unable to due to their policies.
Consumer complaint received 2016-10-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am not really sure who to complain about. I was delinquent on XXXX XXXX XXXX cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing XXXX XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from Portfolio Recovery Associates, attempting to collect. I looked at my credit report and saw that both XXXX XXXX AND Portfolio Recovery were listed as companys that I owed. When I contacted XXXX XXXX, they told me that they sold my debt to Portfolio Recovery. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX XXXX? If so, this is fraud.