davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-27
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (PA)

After buying a XXXX rebate eligible product from XXXX, I filled out all the necessary rebate forms and my rebate was approved. I wait the time to receive the card. 

AMEX/XXXX never sent the gift card or was sent back to them by USPS. 

The rebate terms clearly state a fee only AFTER receipt by the cardholder. 
" a {$2.00} monthly service charge applies but is waived for the initial four ( 4 ) months after receipt by cardholder. " XXXXI see this as fraud since when I called AMEX they inform me of the fee and refuses to issue the card in the full amount. Instead I am to be sent a new card with {$2.00} less. I asked for a check but was refused also ( as expected ). 

To further this, the XXXX product that was purchase is an online storage service for 1 year that no longer provides the service.
Consumer complaint received 2016-08-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP (AZ)

Some weeks ago, I contacted NetworkCapital about a refi. About a week later, I had second thoughts and informed their representative, both verbally and via e-mail, that I no longer wished to pursue the refi with them. 
Since informing the company, via it 's representatives, of my change in plans, representatives of the company have continued to call me at least weekly ( sometimes more frequently ), even though I told each representative I was no longer interested in pursuing a refi with them. 
This morning, I received another call from a NetworkCapital representative ; I hung up on the caller. 
I wish all calls to me from NetworkCapital cease, immediately!
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (PR)

I toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.
Consumer complaint received 2016-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (CA)

I went to pay my Amex. It showed I only owed a small amount. However the amount of the bill was over XXXX. I paid the total which over XXXX. I then went and looked at the upcoming closing bill, and realized there were over XXXX in credits on the bill that yet to close. I immediately realized it was applying the credits to the already closed bill. I went in and hit " cancel payment ' for the XXXX. And then paid the minimum of XXXX some odd dollars. The reason being is that if I had not done that, Amex system will automatically take that overage of XXXX and apply to s pay over time portion of my card, shock I did NOT want or authorize. 

The cancel showed in the screen with XXXX pending processing. This was within 20 minutes of the initial transaction. I then receive XXXX emails hours later saying XXXX PAYMENTS were processed. This is unacceptable for XXXX. I then decided to wait a few days to let the next statement close and call if needed. I called and the representative basically said too bad. This is unethical as I as the cardholder and customer should have the right to determine where my payment/money is applied as long as any minimums are met. It should not be up to a system and as well system errors. 

I asked for a supervisor ( and had to fight to get XXXX ). 

A supervisor came on and edit idly told me the same. I pointed out it was obvious what I had done as why would I pay XXXX and then XXXX.? She argued but in the end found a way to put a XXXX charge from my current stating to the pay over time to help even things out. I accepted this as a temporary measure. But am not satisfied as now that sticks with interest and XXXX higher balance on the pay over time portion. 

This is unethical and should be illegal for a card network to force you to allow their erroneous payment system to make decisions for me as a consumer. This is my money and I did NOT AUTHORIZE the application of funds to the pay over time, and the Amex 'cancel ' payment option did not work. ( Even though it showed as cancelled and then disappeared ). 

This is an injustice and I was n't treated well during the process. The Amex system has issues, thus happened in the past and the XXXX was x led to reapply the funds and were apologetic. I feel swindled and find this on the verge of being illegal. I am losing money by the XXXX charge being put into the pay over time. I had planned to use the credits within the bill they appeared in as this keeps my expense tracking ckean, and should be my prerogative. I am greatly angry at the unethical practice of Amex and refusal to address glitches in your system.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

We are hoping that you can help us. If not, perhaps you can direct us to the appropriate person ( s ) or authorities to contact. 

As described in greater detail in the attached correspondence ( representing a portion of the entire correspondence ), on XX/XX/XXXX, we purchased a large-screen TV and related items for more than {$3000.00} pursuant to Best Buy 's interest free offer. We made all required minimum payments on a timely basis, but XXXX, the bank initially administering the credit card, incorrectly applied our payments and charged a ridiculous ( in excess of {$1000.00} ) finance charge. They ultimately admitted their mistake, but improperly corrected it, leaving a finance charge balance of approximately {$70.00}. 

After months of additional correspondence, they agreed to properly correct and eliminate all finance charges. Unfortunately, they never made the correction and the credit card administration was subsequently transferred to Citibank. We spoke with Citibank ( numerous times ) and shortly before the conclusion of the 3-year interest free period, on XX/XX/XXXX, we paid the entire correct remaining balance due to Best Buy. We also sent to Citibank, on many occasions, a schedule of all our timely payments, evidencing our payment in full of this account. 

Citibank chose to ignore our correspondence and evidence of timely payments and imposed a finance charge of {$2400.00} on the, according to their records, {$70.00} balance. We again called and wrote to no avail. Ultimately we spoke with Citibank officials who made various excuses ranging from needing cancelled checks - we made all payments via electronic transfer from Citibank to Citibank - to having no obligation to analyze any information from before Citibank began administering the account. 

I finally requested that they just sue us so that we could have our day in court and prove our payment in full. The unbelievable response was " that is not how Citibank operates. '' Instead, Citi will harass us and ruin our credit rating, regardless of whether we owe any amount. They are excellent at harassment. A computer calls our home phone many ( XXXX or more ) times every day, from before XXXX XXXX until after XXXX XXXX, weekday, weekend and holidays. They refuse to stop harassing, refuse to review the account and related correspondence and insist this is how they operate until they are paid what they erroneously think we owe them in full. 

As indicated up front, please help and/or direct us to the proper authorities. 

Thank you.
Consumer complaint received 2015-05-10
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX is a credit card from American Express created in conjunction with XXXX.I had my back pay from XXXX XXXX deposited on this card.They currently have XXXX of my back pay money held captive and wo n't release it to me.They XXXX froze it because of a spending limit being reached.So I asked to have the balance wired into my bank account, but they said they could n't do it.So, I asked if they could wire it through XXXX XXXX ; they said they could n't do that.So, I asked if they could mail it to me, they said yes, but I have n't received it yet.it 's been a few days short of a month since their promise to mail it.They keep giving me XXXX story after another.It seems to be just XXXX lie after another.I just want my money.Neither my wife or I work.We desperately need this money to pay bills and to take care of our kids.Can you please help us get our money from American Express or XXXX XXXX ; or whomever has a hold on our money.This has been going on now for over a month now.I call customer service, they put me on hold, and they come back a few minutes later with fake promises to get me my money.They claim to have put a trace on the check that they suppose to have mailed on the XX/XX/XXXX.I have n't gotten any feedback on that trace yet.They just keep telling me whatever sounds good to string me along further and further.So, I 'm currently pursuing legal action because I do n't know what else to do.I 've given them ample time to release my funds but they wo n't. If you can help me, please do.My family and I would greatly appreciate it.
Consumer complaint received 2016-01-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC (GA)

Received a call today from a XXXX XXXX ( and one of her associates ) from phone number XXXX regarding my deceased husbands account. They would not tell me what account but that it was from XXXX ( my husband died in XXXX ). They said a payment was made in XXXX ( which I made have made but since they would give me no additional information I could not verify. When I tried to explain this the associated threatened me, yelling I used the card therefore I committed fraud and I would be sued and was hung up on. I tried to call back and was yelled at again being told ... you are a fraud and you have legal action against you do not call us back.
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

XX/XX/2015, I received a letter from Asset Acceptance , LLC about a debt from XXXX XXXX that I did not know about. I have never had utilities in my name. When I got that letter, I immediately called Asset Acceptance, and requested an identity fraud packet. I received the packet and filled it out. However, they had asked for my address history, and being that I work every day when the Secretary of State is open, I had to get it sent by mail, which took about 4 weeks to get everything situated. During that time, I was in regular contact with the company, and asked for more time, because I was waiting for verification. They extended the time period for the documents needed, and said my wages would not be garnished until the dispute was resolved. I ended up faxing what they needed on XX/XX/2015. Since that date, I have heard nothing from the company. I have tried to call them, and the representatives continue to say that it 's still in the " dispute '' stages, but they have no idea why, and I should be receiving a letter stating the reason. The only letters I have received were both in XX/XX/XXXX, stating that my case is still open, and my wages will stop being garnished until they reach a decision. My next paycheck, and every paycheck after that, my wages are still being garnished. I have tried to call the lawyer assigned to my case, a XXXX XXXX XXXX, around 20 times, and left multiple messages over a 5 month period. Not once did I get a call back. I resent all the required documents by certified mail, along with re-faxed them also on XX/XX/2015, along with a letter that if I did not hear back from the company within 30 days, I would have to take further action. I had included the fax confirmation from XX/XX/2015, so they would know I did send them the information. I also had requested a certified mail signature sheet, which I received once it was delivered. Today is XX/XX/2015, and I have not gotten one letter from this company. I have provided proof without a doubt that this debt is not mine, and my wages are still being garnished. When they were trying to collect the debt, I got multiple calls and letters, even when the account was in dispute. Now, every time I call into the company, they give me different numbers, nobody has any information on my account, and the lawyer will not answer the phone. This is completely unacceptable. I would like to know why my wages are still being garnished, after the company has stated over 3 times that they would not be, and I also would like to know why I am continually being ignored when I ask what is going on with my account.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I called and requested additional information to validate the account that is on my credit report. I told MCM that they keep sending credit card statements and that does not tell me anything saying it 's my account. I request MCM to send me something with my signature indicating that i signed for the alleged debt and they told me the only thing they received when the purchased the debt is a credit card statement. I was also told by the rep that by law they dont have to send me any additional information to validate the debt.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (NC)

I purchased a vehicle from drivetime. In XXXX I could no longer pay for the vehicle. I voluntarly gave them the address in XXXX where the vehicle was located. They picked the vehicle up shortly afterwards. They have it listed on my credit report as involuntary repossesion. They are falsely reporting information on my credit report. There is no way they could have known where the car was located unless i told them. Reason being my son was driving it down at school at XXXX. My address and address on my loan application is for XXXX NC. When I told them where the vehicle was my son removed his belongings from the car. I spoke with a gentlemen today XXXX XXXX at Drivetime finance he read in the notes it was voluntary. As soon as I informed him that it was listed on my report as involuntary he quickly changed his story.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

Earlier this year I was online booking a flight. I found a good flight with XXXX XXXX that worked within the dates and times I needed to travel so I proceeded to book. As I was about to purchase, I received an add to apply for a Citi AAdvantage credit card and receive my checked bags free and some other benefites. I proceeded to apply. I was approved and continued with the purchase to be placed on my new Citi AAvantage card. 
When the transaction was complete, I checked and the tickets were booked for completely different dates than what I selected. I immediately called XXXX and explained the situation. XXXX was very unfriendly and told me that they will not give me credit for the flight as their system would not do, there is a {$200.00} change fee and the flight for the dates I really intended to book ( later in the month ) was almost {$300.00} more per ticket. I asked to speak to supervisors and was told sorry, they could not help me. 
I went back to XXXX online to replicate the situation and after selecting one date and waiting for a while, the system defaulted to a different date. I called back XXXX and explained my experience and they said unfortunately they could n't help me. I wrote to explain and still no help. 
I called Citi Bank to dispute the charge. They were very understanding and gave me a credit for the charge. Then I started to receive bills for the charge. I called back and Citi said they sent me a letter for me to send them a written proof of what happend. I explained that I did not receive any such letter. The supervisor said she will send out other paper work. I finally received, completed and sent back to Citi via mail. 
This has been almost two months ago. I am still receiving bills from Citi stating I am past due with no explanation. 

I belive XXXX and Citi Bank deceptively set up this product to get customers to apply for the carrd and unfairly charge for purchases. I would like my purchase to be credited as I did not use the flight. I was unable to travel on the dates that the flight was booked for. I would like any negative report on my credit bureau cleaned up.
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with experian after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. This account is unknown to me and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (FL)

I was billed for this item. during the time I had XXXX and XXXX. They only billed XXXX which left me with a bill. I do not owe this. When I have contact them in the past they have been very rude and refused an explanation and proof.
Consumer complaint received 2023-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

XXXX  Uploaded Employer Certification Form to MOHELA website, requesting public service loan forgiveness. 

XXXX  Received letter from MOHELA acknowledging 120 qualifying payments made toward public service loan forgiveness. 

As of XXXX Ive received no notification verifying that my loan has been forgiven.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

I have a CareCredit credit card through Synchrony Bank. I used it 3 years ago to pay for dental work for my friend. We set up the account to autopay from his account every month until the balance was paid of in 2012. The account has not been used until I had to have dental work done in XXXX. I got a statement from Synchrony with the my balance info and scheduled the first payment to be sent from my bank account. Unfortunately, my friend 's old account info was still retained in Synchrony 's system and they then took over {$700.00} from his account to pay the balance on my CareCredit card. I called their customer service line and they told me to look at my statement and I would find where they told me they were going to do that. That information IS on my statement but it is not on the first page, or the second page but down at the bottom of the XXXX page. I realize it is my responsibility to read and I should have read the entire statement but, as an employee of a financial institution and knowing we are required to put certain information up front, in bold and where our customers can readily SEE and UNDERSTAND that information, I feel that Synchrony Bank has totally FAILED in that regard. My friend stopped payment on the charge from his account ( so he could make his house payment! ) because Synchrony could not reverse the charge in a timely manner ( up to two weeks ). My other credit accounts that are autopay SAY that on the FRONT page. Synchrony should have to change their statements to do the same.