davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (AL)

I had a checking account with a debit card with SunTrust. The debit card carried a {$75.00} annual fee. I received a letter in the mail stating that they no longer wanted to continue my banking relationship and requested I close the account ( or they would close it by a certain date ). However, since I paid the annual fee for the debit card and will not be able to use it for the entire year I paid for, I requested a refund ( full or partial ) and was told they would not issue a refund. So They took my fee for a year, then closed my account after 6-7 months, but are keeping my annual fee.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

XXXX offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from XXXX notifiying me of my current score which was obtained from Equifax. 
According to XXXX as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against Equifax in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from Equifax and it stated my current score was XXXX. I tried to reach out to XXXX and Equifax to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date XXXX has refused to look into the matter and provide an response or corrective action.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Bank of American owed me {$8000.00} for funds that they said, I owed and at this time they have not proved that I owe any money. They held more than {$26000.00} in unapplied funds and when the loan transferred to nationstar in XXXX there were still funds that had not been applied to my primary mortgage. In XXXX of this year XXXX XXXX threatened to foreclose if I did not pay after I had been paying them since XXXX they refused my XXXX XXXX payment until I agreed to pay the XXXX including additional late fees, attorney fees, home inspection fees running the bill up more than XXXX. I paid out of fear. Also, on the XXXX mortgage I paid an close to XXXX out of fear of the collection tactics from bank of America and XXXX. I have paid in good faith as that was the reason I filed XXXX in XXXX to pay my creditors in good faith. I am not satisfied with the results of this investigation on behalf of these mortgage companies that have committed fraud and false billing statements to collect money that I do not owe. I am seeking reimbursement of $ XXXX XXXX XXXX I paid more than {$12000.00} to nationstar to keep them from foreclosing on my property. I paid bank of America a check because they said I was behind on the heloc when was settled in bank ruptcy. I am due a refund and my credit reports need to reflect that I have paid in good faith. I am very disappointed in bank of America, countrywide and XXXX for the mishandling of my accounts and my payments.
Consumer complaint received 2017-01-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: JTM Capital Management, LLC (MI)

All of the above happened actually. I am receiving frequent and repeated calls, the caller is using obscene and profane language, he is calling and harassing my family, and I have sent in a letter asking them to only contact me by USPS. I have never received anything in writing from the company, even though it has been requested and they are continuing to contact my family, friends, and people I do n't even know about my debt breaking every privacy act for me.
Consumer complaint received 2015-04-01
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Physicians & Dentists Credit Bureau (WA)

The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human. 

In the XXXX call ( XXXX/XXXX/15 ), I asked him to call back later as I was at work. he continued to harass me until I had to hang up, as I was at work. I did n't receive a call back until he called again and immediately notified me he had reported me to the credit bureau. I never had a chance to settle the debt before being reported. 

I also did not receive mail communication of the debt until after the XXXX call, when I had paid.
Consumer complaint received 2016-12-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (AZ)

I was granted by a Providian Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX that hamper my movement at work and got layed-off. I informed the Providian Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to XXXX. It was Handled by Atty.XXXX with postal address at XXXX, XXXX XXXX. I was n't able to attend the hearing due to the XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX that has XXXX and the XXXX. And no hearing aid was advisable for me anymore. Except surgery w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the Providian Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of XXXX in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX. Now, I am XXXX with XXXX. But, Atty. XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The XXXX never gave me any last statement from the Providian Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the XXXX no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the Providian bank. Atty. XXXX never inform me that the XXXX was already dissolved and he is still representing the XXXX to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for 18th months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the Providian bank will proved that they have been taking monthly payment for Protection plan from me. the reason the XXXX Supreme Court had slap a XXXX fine at the Providian Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

In 2014 I was issued a check from Bank of America legal division for {$17000.00}. Upon calling BOA to check the validity of the check, they advised me that the money was owed to me due to an audit on my mortgage account. They further explained that is was money overcharged while I was on XXXX XXXX military and my loan was not properly managed under the service members relief act. I now owe the IRS {$6000.00} for not reporting the money as income. How is that income if is my money that I already paid taxes on?
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (TN)

On XXXX XXXX 2016, i receive a phone call from the postal unit stating that the company ConvergentbOutsourcing was sending a bill in my name to approximately XXXX diffrent address that I have no affliation with. Dated on XXXX XXXX 2016, in the amount of XXXX, which i had no knowledge of, nor had time to dispute the transcation. I am asking for the company to send me validation of the debt, and i am also disputing the debt. So i decided to file a compliant. Which was sent to the previous address, where i did not live. I do not owe a bilk from comcast. The debt is not mines
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center (CA)

I just want a formal apology from ARstrat for their innappropriate harrassment for 4 months. Once I paid them to get them off my back and told them I was going to file a complaint - I finally got my money back from them for money I never owed. They have been very rude and harrassing innocent people putting me through 4 months of " XXXX '' - I feel I should be compensated for their wrongful doing, no follow-through. No one should have to go through this torture for a {$10.00} copay that was paid on day of actual visit - despite the medical billing office saying they have spoken to ARstrat to clear this up - ARstrat denies all such communication with billing/doctor 's office. Still waiting for formal apology from ARstrat!
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-08-28
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (CO)

What happened to me is almost verbatim what is described in XXXX v. XXXX XXXX XXXX filed in Florida XXXX District Court. I switched from a reliable internet provider because XXXX was offering a higher speed ( XXXX ) for less money. What they did n't tell me was that the outdated lines in my neighborhood could n't support the speed that they had promised. For six months I struggled by with speeds between XXXX and XXXX, usually much closer to the XXXX which was completely unusable. I called XXXX 's tech support line numerous times with no relief. During that time, XXXX was being auto-paid directly from my bank account in full and on time each month. After six months, I had to cancel and switch back to a reliable provider. After termination, XXXX continued to bill me for another month before I was able to terminate the auto-pay. They then sent me a {$200.00} termination bill which I refused to pay since my termination was only due to XXXX 's inability to provide the service. I have tried to resolve this issue directly with XXXX to no avail. Their stance is that they provided me service at a reduced price for six months and are entitled to a termination fee. What I have pointed out and they seem unwilling to consider is that the " service '' that they provided during the six months was significantly reduced over what was promised. They charged me an extra month for which they were providing no service. And, the account was only terminated because of their inability to provide the agreed upon service. If anything, I should be sending XXXX a bill.
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (FL)

I RECIEVED A LETTER FROM FRANKLIN COLLECTION SERVICE INC AT MY FLORIDA RESIDENCE STATING I OWE XXXX AND THEN TOTAL DUE ALL CREDITORS XXXX THE PARTY THEY ARE COLLECTING FOR ON THEIR PAPER XXXX  THE FIRST LETTERS SHOW FALSELY LIKE THEY ARE A CHECK.SINCE I DO ALL MY XXXX AT XXXX I CONSIDERED THE LETTER FRAUDULENT AND THREW IT AWAY AFTER CALLING AND BEING DENIED THE NAME AND WEBSITE OF THE GOVERNMENT ENTITY RESPONSIBLE FOR COMPLAINTS AGAINST THEIR BUSINESS AND ITS PRACTICES. I ALSO RECIEVED A THREATENING PHONE CALL ABOUT CRIMINAL CHARGES REGARDING MY DEBT THAT WAS LATER ERASED OFF OUR ANSWERING MACHINE. WHEN I TRIED TO CONFERENCE MY INSURANCE COMPANY TO THE COLLECTION AGENCY THE NUMBER SUDDENLY DID NOT WORK AND IT HAD ONLY MINUTES BEFORE. THE INSURANCE COMPANY COULD NOT LOCATE A BILL XXXX IN MY CLAIMS. I TYPED THE COLLECTION COMPANY A LETTER REQUESTING DETAILS ABOUT THIS DEBT AND TO WHOM IT WAS OWED LIKE DATES CONTACT INFORMATION FOR THIS BUSINESS I OWE WHAT SERVICES WERE RENDERED AND HOW IT WAS SUBMITTED TO MY INSURANCE AND CLAIM STATUS AND DETAILS. I STILL HAVE NOT RECIEVED A RESPONSE AND ITS BEEN MONTHS AND THE RUDE MAN WHO REFUSED TO LOG A COMPLAINT OR ALLOW AN EXECUTIVE COMPLAINT OR TO ELEVATE MY CALL OR PROVIDE GOVERNMENT COMPLAINT INFORMATION SAYS THEY HAVE NO RECORD OF RECIEVING CORRESPONDENCE FROM MYSELF OF ANY KIND. I FEEL THEY CAUSED THE TELEPHONE LINE ON THIS EARLIER STATEMENT TO BECOME DISCONNECTED AFTER I STATED THEY HAVE A LEGAL OBLIGATION TO DISCLOSE WHERE I CAN FILE A COMPLAINT AND THAT REFUSING IS CRIMINAL THE MAN MUMBLED AND I SAID I DIDNT HEAR HIM AND HE REFUSED TO GIVE ME THE WEBSITE AND THE CALL ENDED. I COULD NOT REACH THEM TO CALL BACK BECAUSE THE PHONE LINE WAS NO LONGER IN SERVICE FOR MYSELF OR FOR MY INSURANCE COMPANY TO CONTACT THEM. THEY ALSO SAID THAT IF I PAID ELECTRONICALLY OVER THE PHONE OR THE INTERNET THIS DEBT WOULD NOT EVER SHOW ON MY CREDIT REPORT AND THAT IF I PAID THROUGH THE MAIL THEY WOULD NOT REMOVE IT FROM MY CREDIT REPORT BUT ONLY DISCLOSE TO THE CREDIT AGENCIES THAT IT HAD BEEN PAID AND THAT IT WOULD REMAIN ON MY CREDIT FOR SEVEN YEARS THEREAFTER. THE DEBT COLLECTOR MADE THREATENING CALLS AND PRESSURED PAYMENT BY OTHER MEANS THAN BY MAIL STATING PAYING BY MAIL WOULD DAMAGE MY CREDIT AND THE COLLECTION SUPERVISOR PURPOSELY DID NOT GIVE OUT THE WEB ADDRESS OR INFORMATION I NEEDED OR TELL ME WHERE I COULD FIND IT HE PURPOSEFULLY MUMBLED TO OBSCURE WHAT HE WAS SAYING TO ME. I AM VERY UNHAPPY ABOUT MY EXPERIENCE AND STILL DON'T KNOW WHO I OWE WHY I OWE THIS AMOUNT OR WHERE THIS HAPPENED AND IF A HOSPITAL OR FACILITY AND IF THEY FILED A CLAIM WITH MY INSURANCE BECAUSE XXXX DOES NOT SHOW IN MY INSURANCE CLAIMS
Consumer complaint received 2015-12-15
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (AZ)

This is not my debt, this is my brother 's debt. This company ( Navient ) has obtained mine, as well as my husband 's information and has been contacting us. I have already told them I do not know where my brother is and asked them to stop calling me, but they have persisted. I am on the " Do Not Call Registry '' and have made a formal complaint with them as well. I have made multiple attempts to contact them regarding this issue and have been hung up on, lied to, and treated poorly. I attempted to block their calls, but they call from a different number every time. This company seems to be looking for contact information for anyone who knows or is related to the debtor. It is completely inappropriate to harass innocent people to get what they want.
Consumer complaint received 2016-06-14
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Integrated Recovery Services (TX)

This payday loan company says I took out a loan with them. They are stating the amount owed is somewhere around {$800.00}. I do not recall ever taking out a loan with the company they are referring to. I have given them my cell phone number and my desk number at work. They keep harassing me at work contacing the Director of my company getting them involved. I have already received a warning from my Human Resources deptarment reagarding a write up. I do not want them contactin my job anymore.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (MA)

Fidelity Visa recently transitioned from having FIA Card Services service their Fidelity-issued cards to having XXXX XXXX XXXX service their cards. The transition happened on XXXX XXXX. On XXXX XXXX, a payment was sent from my Bank of America account to FIA Card Services to pay off a balance and Fidelity can not find the money. FIA Card Services, which is affiliated with Bank of America, researched the payment and found it, but told me it will take five to seven business days to further research and to apply the payment to my outstanding balance. It is bad enough that a financial institution lost a payment. And even worse when they themselves acknowledge the payment was successfully processed that it takes almost two weeks for it to be applied to my card balance. There 's more : on XXXX XXXX, which was AFTER the transition, I initiated two additional payments via Fidelity 's automated " Pay Card Balance '' option which is right on the Fidelity website. The payments were not processed until XXXX XXXX -- well after the transition -- but Fidelity sent those payments to the wrong credit card processor -- their own no longer valid credit card processor. So Fidelity broke ties with FIA Card Services, notified their cardholders not to use the old cards, but continued, via an automated option, to send payments to the old processor. Those payments hit my account on XXXX XXXX and today, as of XXXX XXXX, Fidelity can not find those payments either. To add insult to injury, Fidelity has frozen my credit card. I tried to charge {$23.00} for gas and my card was denied. These are egregious errors that shake my confidence in Fidelity as a financial institution.
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I 've had a car loan with Santander since XXXX XXXX. I stopped receiving statements around XXXX, but continued making payments above my monthly requirement. 
In XXXX I called to inquire about statements and what the balance on my loan was. They informed me that I was some {$1100.00} ahead of payments and the value of my payoff. They could not explain the lack of statements. 
I tried to get back into the pre-planned payment schedule but without statements, I was guessing. 
I made a payment on XXXX XXXX XXXX for {$250.00} and went about life. On XXXX XXXX I received a pre-paid debit card from Santander for {$250.00} for " overpayment '' on my car loan. I immediately reached out to them, but it was difficult to understand what was going on as all my information had been purged after my loan was " sold ''. 
I asked why it had been sold, and why I was not informed. Their response was crude and said that they did not need to inform the borrower. I asked if my payments had fallen behind and if such, why did they not advise me via some correspondence ( they have my email, because they contacted me after the call to make sure I was satisfied with my phone call ). They again said that they did not have to notify the borrower of anything and that most likely I fell behind and that 's why they sold the loan. They recommended I take it up with the company that bought the loan. I, obviously felt that it was ridiculous to complain to the new lender, since my issue was with Santander ; but it fell in deaf ears. They did volunteer that the loan had been sold on XXXX XXXX. 
They provided me the contact to XXXX XXXX. I contacted XXXX the following day. XXXX had no knowledge of who I or my wife were, nor did they have a record of my past loan with Santander. 
I called Santander back the next day. They insisted that my loan was now with XXXX. After much insistence they said they 'd research and that I should call back the next day. 
As requested, I called Santander, and once more they insisted that I try XXXX. After requesting to talk to a supervisor, they arrived at a new name. Now I should call XXXX. At this point I had very little confidence in the process that had been followed. XXXX recognized my loan, but told me that they were XXXX XXXX. Nevertheless, they could not offer me any information and requested I contact XXXX, who would be servicing my loan. 
I have reached XXXX and requested that they send me some information about my loan. I am worried that without proper paperwork, I may be making payments into a black-hole. 
How can Santander not provide me with any feedback of the status of my loan?
Consumer complaint received 2017-01-26
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union used Right to Setoff to seize my federally protected VA benefit funds that was direct deposited to my share savings account. I had informed them, over the phone and via online message, that these funds were VA benefits, and they seize them anyway. The representative was not aware of the federal protection of VA Benefits against Right to Setoff and garnishments. Furthermore, I did not contract with NFCU that they could take my VA benefit to settle a debt.
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

Purchased leased vehicle from Chrysler Capital " CCAP '' on XX/XX/XXXX. Sent the check to XXXX for all fees and payoff amount along with sales tax ( ~ {$1100.00} ), received title from XXXX and tried to purchase tags. No record of taxes paid by XXXX for the title # issued, called XXXX two times, told taxes went to State of OHIO. Went back to Ohio XXXX XXXX times, finally called XXXX for third time and was told there was an error and the check will take up to 45 days for refund. I do not have $ $ 's to pay taxes until i receive the check, primary car and currently do not have tags on the car. Requested expedited check and told I will not receive check for 45 days from payoff date. Not cooperative and no reason for delay in monies, very frustrating situation and currently without a vehicle until I receive funds for taxes. Files complaint with XXXX - Incident # XXXX