davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

I had an older internet service debt, estimated to be from XXXX. The collector completely removed it from my account and then re-aged the debt claiming it was from XXXX. This dropped my score quickly, as it was considered a " new debt ''. This practice could cost me my home mortgage loan.
Consumer complaint received 2017-02-02
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I have banked with Regions bank several times in the past, most recently from XX/XX/XXXX to XX/XX/XXXX, a which time I had both checking and savings accounts, business checking and savings accounts and a personal line of credit of {$2500.00}. In XX/XX/XXXX payment on my line of credit was coming due and I transferred more than {$2400.00} from my checking account to make the payment. The next day I transferred a similar amount from the line of credit back into my checking account in order to pay other bills. Shortly thereafter I noticed that Regions had added the original payment amount ( made to my line of credit ) back into my checking account and debited my line of credit the same amount, while at the same time reversing the payment I had made to it. This increased my line of credit debt to twice its original amount. A series of penalty fees then charged to me on both my checking account an line of credit. Because I had a similar experience in early XX/XX/XXXX, where transactions recorded on my online accounts mysteriously disappeared from those accounts and I had not printed out the transaction results to verify them, this time in XX/XX/XXXX I did print out verification. I have tried to negotiate with Regions on multiple occasions without success. I asked them to simply remove the penalty fees from my accounts and I would pay off the total balance on my line of credit in XXXX or fewer months. They refused. I then threatened them with closing all my accounts and not paying the line of credit unless they removed the unfair fees and allowed me to payoff the true amount owed on my line of credit ( somewhat less than {$5000.00} ). Again they refused. 

I researched complaints against Regions at that time in XX/XX/XXXX, and found the vast majority of those to be about all of the " unfair '' late fees, NSF and OD fees Regions levies on their customers. At this time, in my latest attempt to resolve the issue with Regions, I noted the consent order by the XXXX resulting in a {$7.00} XXXX fine against them, as well as a payout of over {$50.00} XXXX back to their customers. I explained to Regions that I would file this complaint if they were not ready to resolve the issue and again they refused.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I used my carecredit card for a cosmetic procedure with the company ( XXXX XXXX XXXX ) they charged me for services I did not receive. I have disputed the charge with Carecredit and sent in photos of before and after to prove they did not provide the services I paid for! I was charge {$16000.00} dollars on my carecredit card and {$7000.00} on my XXXX ( which I have paid for due to the use of the facility and medication for sedation ) and I have absolutely nothing to show for it, they sedated me and did not do what I asked or what I signed papers for or what I paid for!! They are a scam. I have rights, there are federal laws against this and they are lying!! This is absolutely the most dishonest, horrible act any company could perform!!!
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I have an auto loan with Credit Acceptance Corporation. I advised the company that I am unable to make my payments on the XXXX of each month and needed to change it to later in the month so that I can pay my rent and other bills on time. I was told the due date ca n't be permanently changed but I can request a due date adjustment each month if I need one. 

I have been adjusting my due dates a day before they are due to ensure payment is receive on the adjusted due date. I recently received a call from the company stating that I have 2 months of late fees for the last two payments I was allowed to adjust. I was advised by the company that even though they allow me to adjust my payments to when I can make them I am still responsible for a late fee if the payment is received after the XXXX of the month. I advised the company that my contract states that if my payment is received after the XXXX a late fee will be assessed. However, the contract does n't state that if my payment is adjusted to a later date with the companies permission that I would still be assessed a late fee. I advised the company that the only reason my payments would be made after the XXXX would be because that is how I am paid by my employer. I also told the company if I am given permission by the company to adjust my due date to a later date that may possibly be after the XXXX of the month depending on how I am paid I should not be assessed a late fee. 

The company basically blew me off and said " Just make sure you pay on time ''. The only problem with this is if I was allowed to permanently adjust my due date to later date in the month I would n't have to worry about making my payments late. I would also not have to worry about being charged and harassed about a late fee when I was given permission by the company to adjust my payment to a later date. 

I would like for any late fees to be waived and I would like to permanently adjust my due date to a later date in the month that allows me to pay all of my bills without any issues.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NY)

We have received unsatisfactory service from XXXX XXXX ( PHH ). They have provided improper billing statements ; failed to comply with certain RESPA regulations ; failed to provide information about ownership of loan ; failed to apply proper accounting rules ; failed to properly apply payments ; failed to comply with " standard servicer duty '' pursuant to Regulation X ; failed to comply with Attorney General ( New Jersey ) Consent Order regarding Nationwide Servicing Standards.r
Consumer complaint received 2015-05-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC (CA)

Third party debt collector, calling for XXXX XXXX which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that XXXX purchased has been added as a derogatory debt on my credit report.
Consumer complaint received 2015-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (NY)

A loan company by the name of ACS mailed me a letter stating I owed almost 5,000 dollars in student loans to XXXX XXXX XXXX. I have attended classes there but have taken only XXXX XXXX loans which I have paid for. Up until recently I have not gotten notifications of said 5,000 dollar loan and I have not applied to said loan. I looked up Acs and I saw that it was a fraud debt collector and would like to report.
Consumer complaint received 2015-09-22
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Sa-Vit Enterprises, Inc. (NY)

On XX/XX/XXXX my husband was rushed into XXXX. He was seen by several doctors. The neurologist who saw him did not participate in our plan, XXXX. We were never informed of this. XXXX years later I received a bill from XXXX XXXX XXXX XXXX for {$180.00}. I fought this bill because I told them they should have told me that they did n't participate in my plan, I should n't get a dr. bill for an emergency room visit. I told them I would not pay this bill, They then sent the debt collection to Sa-Vit Collection Agency, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ). Sa-Vit called my house every day, they threatened to report this debt on our credit report and demanded payment daily. I had to start screening my calls, as their agents were aggressive and harassing, especially when my children answered. In XX/XX/XXXX, we refinanced my home mortgage, where we were horrified to find that my husband 's credit score had dropped into a level that would not permit us to conduct the refinance. I contacted Sa-Vit Collection Agency and tried to explain that the bill was not appropriate. The offered to reduce the {$750.00} collection down to {$500.00}, which I paid under protest, by credit card in order to refinance my home. I have a bill from the Dr. 's office charging me {$180.00}, how is it possible for Sa-Vit Collection Agency to charge {$750.00} on a {$180.00} actual debt? How is it possible for this collection agency to be abusive and harassing to me and my family? They overcharged a debt, harassed my family and collected more than was owed on a debt that was in dispute from day and they marked my husband 's credit score which hindered our refinancing of our home.
Consumer complaint received 2016-10-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sa-Vit Enterprises, Inc. (NJ)

I received a XXXX alert at XXXX EST on XXXX/XXXX/XXXX that Sa-Vit Collection Agency in XXXX XXXX, NJ, had reported to XXXX an unpaid debt of {$290.00} I called them at XXXX and left a detailed voice mail with my name, call back #, and amount and that I am not aware of any monies owed. I will send them a letter on XXXX/XXXX/XXXX requesting the validation of debt and to remove this attempt to collect from all credit reporting agencies. At no time was I contacted by phone or via mail ( I have lived at the same address continuously since XXXX XXXX. )
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Hillcrest Davidson & Associates (FL)

XXXX XXXX called last friday from hillcrest davidson saying he was trying to collect a debt. They posture themselves like a law firm. I am used to getting information requested for medical records from lawyers and this collection letter looks very similar to legal letterhead and languaging. 
I called them back today. After I informed this " XXXX XXXX '' that I reinstated my account with XXXX he did not relent. He wanted to know if XXXX " debits my account and for how much ''. I told him that I do not provide financial information over the phone under any circumstances. He then demanded that I send him bank statement copies to prove that I made payments. He kept changing the number of transactions that he wanted proof of, refused to send that demand in writing all the while using condescending language ( " oh, yeah, I looked you up. You have several locations and are SO important '' ) and manipulative tactics basically at my expense. He kept cutting me off, would n't let me finish a sentence and threatened me that he would " ruin my credit '' if he did n't get the proof of transactions today and hung up on me after I told him that I would need a day or XXXX to get this accomplished since I 'm busy with a full calendar. I was stunned at how rude this guy was so I called XXXX to request that they send the proof of my account reinstatement on my behalf. I explained the horrible tactics this man used as well. The XXXX rep confirmed that XXXX indeed contracts with this collection agency and told me they have received other customer complaints about Hillcrest Davidson. XXXX says that " sometimes there is a lag between the time that a customer reinstates their account and the quit request of collections is processed. The rep said that XXXX is going to intervene on my behalf to address this issue. It does not excuse the behavior of this " XXXX XXXX ''. Hillcrest Davidson should be required to state they are a collection agency in the top section of the letterhead, not require someone to infer it from the contents of the letter. I could see how someone might be deceived if they are not used to working with attorneys and legal documents. Thank you for your time.
Consumer complaint received 2017-01-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

1 -On XXXX XXXX, I received an email from 5/3 Bank stating that a {$250.00} cash bonus would be earned if one would " Deposit {$25000.00} or more in new balances into a new or existing Relationship Money Market account by XXXX/XXXX/XXXX. '' The other condition listed was that the balance would need to be maintained until XXXX/XXXX/XXXX to earn the bonus. 
2 - On XXXX XXXX, a deposit for {$25.00} was made. 
3 - Statement covering from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX did not show bonus. 
4 - A call to the phone number listed in the original email resulted in my being told I should receive a call by XXXX/XXXX/XXXX to let me know of the status. That call was never received. 
5 - A visit to the " XXXX XXXX '' branch where this account was opened and the required deposit was made led to a bank employee calling on my behalf. The employee was told that I would not receive the bonus. 

That is basically the situation. If any further information, documentation, etc. is needed, please contact me. Thanks in advance for your help in this matter.
Consumer complaint received 2017-02-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (RI)

- On XXXX XXXX, 2017, I mailed a cashiers check, along with a letter indicating that it was to payoff my account ending # XXXX with Synchrony Bank. 
- On XXXX XXXX, 2017, I received a call from my bank stating that they just received a call from a XXXX XXXX in Maryland who received a letter from Synchrony Bank and my check. He stated when he contacted Synchrony Bank not knowing what the check was for, he was told to contact the bank the check was drawn on. 
- I immediately contacted Synchrony Bank upset that they would send out my payoff check and information out to someone I did n't even know. The customer service rep insisted that they would never do that, and that I must 've sent the check to XXXX XXXX. After 32 minutes of going back and forth, and the customer service rep not acknowledging that this was an issue as far as securing my personal information, insinuating that this was my fault and I should make a payment online and denying that this would even happen, I gave up and ended the conversation. I felt that the customer service rep was handling this as if I were lying based on the fact he could n't even realize that his explanation did n't make sense. 
- On XXXX XXXX, my bank received the check back from XXXX XXXX along with the original letter from Synchrony Bank. I 'm grateful that he was nice enough to send it back so I could then deposit it in my account and payoff the account online. Mind you, I sent this payment on XXXX XXXX, and because of their lack of prudent procedures, and disregard for customer information, this account was delayed in being paid off by almost a month ( I made a monthly payment in between all of this so I would not be late on any payments ) I do n't know what angered me more, what they did, or the treatment I received from customer service. Either way, both are unacceptable in my eyes.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Seattle Service Bureau, Inc (TX)

Broken lease that was placed on my credit report account with XXXX on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX Apartments Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service XXXX Buerau /XXXX Apartments {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX Apt XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX Apartment Homes per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect XXXX of all it reflects a different amount then the amount owed, XXXX it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (UT)

In XXXX I contacted Synchrony Bank in regards a Disputed Transaction that I made with the recent payment on the account ( ending XXXX XXXX XXXX It involved a transaction dated XXXX/XXXX/2015 numbered XXXX, ostensibly to a " XXXX XXXX TX '' in the amount of {$260.00}. Later this was upheld and the dispute apparently was resolved in XXXX 2015. 

Then there was a mix-up and I was credited with another payment, but that was resoved by action of the bank. But it was followed by another charge and there is absolutely no documentation to support this previously charged item noted and is probably another un-supported charge made by these people identified as XXXX XXXX TX. It just goes to show you that the information contained in the XXXX XXXX, 2015 letter that they felt might slip by your bank. 

I have asked the bank on three subsequent occasions to please reverse this charge that is clearly an error. There has been no response forthcoming from the Bank 's Customer Relations Department other than on the reversed charge, which was on the billing. Instead, they have charged me interest on this XXXX twice and now have charged another fee of {$25.00} for late payment which I have protested and sent back their Sam 's MasterCard for their failure to communicate to me just what is their rationale for charging another fee for the XXXX when they originally had upheld my disputed billing. 

All I got was a letter dated XXXX/XXXX/2015 stating that " ... your credit of {$260.00} was applied to you account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' This took care of the double credit but there was no explanation for the other billing XXXX! 

And this has now resulted in the fourth letter regarding this matter because their recent billing included more late charges and another service charge. So, I have had no other option than to cancel this card because of your failure to service the charges made on it particularly to Sam 's Club ; and, I have now considered filing a complaint with the CFPB.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, XXXX, I purchased XXXX First Class, round trip tickets from XXXX to XXXX on XXXX using the Capital One Rewards Travel website. The tickets were purchased as a birthday present for my wife, but our entire trip was ruined by Capital One 's fraudulent activity. 

On Saturday, XXXX XXXX, XXXX, the day we were supposed to depart for XXXX ( after flying all the way across the country from XXXX XXXX to XXXX ), I tried to check into our flight. Once I reached the seat selection screen on XXXX 's website, I was only given the option to select Premium Economy seats notwithstanding the fact that I clearly purchased First Class tickets as evidenced by the attached reservations from the Capital One Reward Travel website. I immediately called XXXX to ask why I could not check into First Class, and they said the tickets in their reservation system showed up as Premium Economy, not First Class. The XXXX agent said I would need to discuss the discrepancy with whomever I purchased the tickets from. 

I immediately called the Capital One phone number listed on my reservation receipt and spoke with XXXX XXXX, Agent Sign XXXX in XXXX, PA. I explained the problem and asked that she put us in First Class on the flight we were booked on, or the other direct XXXX flight scheduled earlier that same day. After spending over an hour on the phone, XXXX told me that despite my reservations clearly stating that I purchased First Class tickets, there must have been a computer error and she could not do anything for me. I then asked to speak with a supervisor, and she refused. XXXX then proceeded to tell me that my only choices were to accept a refund or pay to upgrade my tickets from Premium Economy to First Class!
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have an Auto-Pay contract with PENNYMAC Mortage Loan Services, XXXX, CA XXXX, Morgage Loan # XXXX. My last monthly auto-pay of {$1300.00}, occurred on XX/XX/2016. I called customer service on XX/XX/2016 and asked about the XXXX monthly auto-pay which was not implemented. They told me they have turned off my auto-pay because the payment was less than {$1300.00}. Is this legal??? Their phone is XXXX. 

My name is XXXX, XXXX, CA XXXX. 
Email : XXXX, phone:XXXX I would like for them to honor the Auto-Pay contract I have with them. I do not see why they can not draw the final mortgage payment from my XXXX bank as they have done for the last 4-5 years.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

I am aware that i am 5 days laye on a payment, but woth conns home plus if you are even 1 day late they will call you grom multiple numbers up to around 16 times between the hours of XXXX -XXXX even after talkinh with me and when i tell them ive already spoken sith someone that same day they usually become very rude with me
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (CA)

While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SYNCB/LOWES XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (OH)

Received email dated XXXX/XXXX/XXXX from Frontier Airlines MasterCard issued by Barclays Bank, saying " earn a {$100.00} Frontier Airlines flight discount every year when you spend {$2500.00} on purchases with the Frontier Airlines MasterCard. I completed the the required purchases by XX/XX/XXXX and contacted Barclays Bank asking when I would receive the {$100.00} discount voucher. Barclays Bank emailed me saying it would take 6-8 weeks. After 8 weeks I contacted Barclays Bank again and was told the the discount voucher plan was not in effect until XX/XX/XXXX.