davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (LA)

I purchased furniture from Rooms to Go and used the financing from Synchrony Bank because they really pushed it. I paid off all of my debt the same week it was available for me to pay. A few months later I received a bill saying I owed more money. I tried to contact Rooms to Go several times and recieved no response. I then contacted Synchrony Bank and they advised me to dispute the charge and to not pay anything until they figured out what exactly it was, and when they did they would let me know. He told me to ignore all bills and just not pay anything. I never received any information on what the charge was for. I checked my credit score a few days ago and it dropped dramatically because they claimed I had a late payment when all I was doing was following the " professionals '' advice. They told me they would take care of it and let me know, but honestly after this whole experience I do not have much trust in them so I figured it would be best to contact you by myself.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Selip & Stylianou, LLP (NY)

I am writing to request your assistance in looking into the deceptive practices of this collection law-firm above. It appears that they are using tactics that may be violating consumer protection law in debt collection practices depriving consumers of their rights to dispute. 

1 In XXXX XXXX, I received a notice from the above company, The next day, I contacted their offices as instructed -- the memo dated XXXX/XXXX/XXXX instruct me to contact the plaintiff attorney, not the court. I followed the instructions provided and contacted the plaintiff attorney by phone and also faxed a letter on XXXX/XXXX/XXXX disputing the debt ( see letter ). 

2. The company responded with a letter dated XXXX/XXXX/XXXX by sending me a bill with a due date for XXXX. I had requested a bill showing what my balance was back when I made a payment back in XXXX XXXX for {$100.00}. I was disputing the amount owed, disputing the charges. 

3. I wrote back to the company and faxed another dispute letter on XXXX XXXX, XXXX continue to dispute the amount owed. 

4. The company sent me a response on XXXX/XXXX/XXXX saying that they furnished me the information, I was not disputing that I owe XXXX XXXX, I was disputing that the balance was inaccurate and that I needed proof of the last known charges and activity on the account which was XXXX XXXX. In the last paragraph of their letter it indicated that if I was disputing the amount to send a letter and so on.. 

5. On XXXX XXXX, XXXX -- I sent another letter to the company disputing the balance and requesting the documents again. 

The company never responded to my XXXX XXXX letter, they since had not communication with me, until XXXX XXXX XXXX when I received a letter from them with a copy of a DEFAULT judgment that they filed the court clerk 's office indicating that I failed to respond to their judgment. 

Facts:1. The only judgment that the above firm served me with was the original judgment which I am attaching dispute letters showing that I RESPONDED as instructed to their office on XXXX different occasions. 
2. The plaintiff failed to respond to my dispute and furnish the information provided-and was probably unable to obtain proof of the original of the debt3. Instead of using credible legal procedure to settle the debts, they utilized unfaithful and dirty tactics, violated my rights. 
4. Went to the court, committed perjury under the law by filing false documents with the court that I defaulted on the judgment and failed to respond when in fact I responded and they failed to furnish proof. 
5. I went the court house and the clerk 's office, I was told that the company did not notify their offices that they had been in contact with me, instead they the company told the court and clerk 's office that I did not respond to their summons the the clerks office granted them the default judgement based on their false information that I did not respond to their summons. They filed a false affirmation with the clerk 's office.
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XX/XX/XXXX and XX/XX/XXXX and completed the { {$1000.00} } spend in XX/XX/XXXX. I contacted Citi via online chat session in XX/XX/XXXX after I finished all the requirements needed and was informed that I correctly completed the requirements and should receive the bonus miles no later than XXXX 2016. I contacted Citi again in XXXX to see why I had n't received the promotion. XXXX XXXX, customer service rep, sent me an email saying I will receive the bonus in XX/XX/XXXX. I messaged in XX/XX/XXXX and asked about the mile and XXXX XXXX, customer service rep said : " I can confirm the miles have been processed to your AAdvantage member account. Please be advised it may take an additional 30 days for the miles to be posted to your AAdvantage account. '' In XX/XX/XXXX I called and asked about why my miles never posted as promised at least three different times and was informed that I was not targeted for the promotion and will not be receiving the bonus. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications and they have told me to just wait it out multiple times? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( { {$90.00} } deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NY)

We sign up for a free 30 trial service with XXXX. We do n't like it so we cancel within the prescribed period. XXXX sends monthly charges to my credit card anyway. 

XXXX says they wo n't talk to me because I ca n't recite the E-mail address I used to create the account. Although I can recite everything else ( cc #, Address, etc. ). The credit card company says there is nothing they can do because I have a legal agreement with XXXX. 

So, now I wonder what you guys have been doing for the past decade? I ca n't be the first with this problem. My complaint is against YOU. YOU have done nothing to protect consumers against these corporate giants?
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Md XXXXMy loan turned from XXXX XXXX to XXXX. I had a deferment until XX/XX/XXXX with XXXX XXXX. I received a letter from XXXX stating my loan was delinquent XX/XX/XXXX. XXXX representative said they would do a retroactive forbearance. In XX/XX/XXXX I called XXXX again because it was still reporting late. XXXX then gave a retroactive forbearance from XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I have made several EXTRA payments in the amount of {$500.00} each. There were no late payments or any in arrears. These payments were made with the directive of " apply to Principal only ''. As I noticed, they have been also charging interest on these extra payments. I called them and they told me they deduct interest on each payment made. I originally owed G E Credit for the dental work. They sold it to Synchrony XXXX. When Synchrony Bank started taking my payments, they jacked the interest rate to 28.9 % and they also started charging me {$89.00} for security purposes. After several months, after noticing my amount owed was increasing rather than going lower I called and asked why. They explained and said the would discontinue this charge. That 's when I decided to make extra payments, to lower the bill. I made XXXX extra payments of {$500.00} and noticed they did not apply the payment to the principle balance and charged me interest on the extra payments. I will attach a bill showing the interest deduction.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I reported a re-investigation for inaccuracies on XXXX accounts reported by EQUIFAX ( XXXX ). I never received this report from EQUIFAX and it is well beyond the 30 day time line. EQUIFAX started their investigation on XXXX/XXXX/XXXX and said report the XXXX was completed XXXX/XXXX/XXXX but I never received it. I called in to inquire about the status after waiting 45 days and the Customer Service Rep said she would mail out the results, which never came. I mailed a follow letter asking about the status of XXXX with a follow up investigation report. On XXXX/XXXX/XXXX Equifax opened up XXXX new dispute cases XXXX and XXXX. The dispute XXXX was completed XXXX/XXXX/XXXX and was not resolved with any resolution on information on where and how they received verification. The dispute XXXX was completed XXXX/XXXX/XXXX with no resolve or update. I did not request XXXX more separate disputes. I wanted the results to XXXX. 

Please assist me with what steps I can take to follow up on this issue.
Consumer complaint received 2015-05-06
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NVR INC. (VA)

We began a new home build, VA funded, with XXXX XXXX on XX/XX/XXXX. We agreed with them on XXXX on a interest rate and signed a Float/Lock Agreement and a Truth-In-Lending Statement and a Cost Analysis Worksheet agreeing on all finances for the new home : price, interest rate, and a return of {$890.00} due to us at closing. We were originally due to go to settlement on our new home at the beginning of XXXX. This was delayed to XXXX XXXX. Late in the afternoon of XXXX XXXX, we were notified that the closing would be delayed for an unknown time period while NVR Mortgage awaited receiving tax forms that we signed off to be ordered on XXXX XXXX. While we waited for the tax forms, they also contacted us requesting other forms, some of the forms had already been sent previously. We finally got word that the tax documents had bee received on the XXXX XXXX, BUT they still needed more copies of bank statement, to justify the paying off of bills with the proceeds of our sold home, and other forms in order to complete the process and go to underwriting and the a XXXX hour audit. On Tuesday, XXXX XXXX, we were finally contacted that we would be closing on XXXX XXXX at XXXX and an email stating that we needed to bring with us to closing a certified check for {$6500.00}. We have done a lot of research on this process and this is a standard practice of NVR Mortgage XXXX, VA office. Many other customers have dealt with this occurrence of changing the agreement at the last minute trying to squeeze us knowing that the move out date of our current house is XXXX XXXX, in 9 days. It seems that by questioning us on our funds at such a late date that they are seeing how far they can push us for the funds that they think we have available.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I was attempting to pay XXXX of my credit card invoices. Instead of being greeted with the normal payment screens I was instead forced to verify my payment source before I could make the payments. This was the same day that the payment was due and I was n't at home and did n't have my checkbook with me to get the routing number and account number. I did n't want to be late so I input the information from memory and some portion of the information was incorrect. I received a call from the company fours days later asking me for payment which I paid the same day. I was then charged fees for making the mistake and my online bill pay service is now suspended. My questions are why would a company need to verify a customers payment source that has not changed in over a decade, why would they need to do it when I 'm under pressure to get the payment in on time and if I wanted to change the payment source would n't that be up to me to do before trying to make a payment? I think this was a trap set by the company to lure me in to making a mistake and then charging me extra fees for it.
Consumer complaint received 2017-03-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

In the month of XX/XX/XXXX I reviewed my credit report from XXXX, and found a hard inquiry from Crown Asset Management , LLC ( C.A.M. ) dated XX/XX/XXXX for a purpose unknown. 

In response to the Inquiry made by ( C.A.M. ), I mailed Crown Asset Management , LLC ( certified mail ) a request for Validation on XX/XX/XXXX and noticed they received my letter ( attached ) on XX/XX/XXXX. 

Crown Asset Management , LLC had no permissible purpose in accessing my credit report and their action of obtaining my credit report constitutes a communication and 'collection action ' under the Fair Debt Collection Practices Act, ( C.A.M. ) had also failed to send me a notice of my right to dispute within 5 days of their first communication violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed the entry made by ( C.A.M. ) with XXXX and received a letter from XXXX in response to my dispute indicating that I need to contact the company that is responsible for the inquiry. Crown Asset Management , LLC also violated the Fair Credit Reporting Act ( FCRA ) in obtaining my credit report without a permissible purpose. 

It has been 34 days and have received no reply from Crown Asset Management , LLC.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Chase To whom it may concern : I 've been undergoing a hard financial time since beginning of XX/XX/XXXX ( family emergency- please see my hardship letter on file ). 
I got late on my payments, but still willing to keep my property and have applied for loan modification ( any little help is very important in my situation ). 
Received review of my options on XX/XX/XXXX but was n't agree with some numbers on Eligibility Data pages and have my application re-submitted again. 
Received another review of my options on XX/XX/XXXX. 
The only XXXX program that fits my situation is " Home Affordable Modification '' ( Tier XXXX ), but this program was not even indicated on the list of " Options For Which You Are n't Eligible ", ( Section XXXX, page XXXX of XXXX ) Besides, this list indicates XXXX XXXX modifications, but this loan is not XXXX loan at all.
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had several fraudulent charges that appeared on my account. I had made several appointments with XXXX local banking centers to resolve the issues. The banking center were a party to the delays in reporting the claims and as a result my account accrued additional fees and surcharges. 
Examples of the fraudulent charges : Major retailer charges without the store number associated, multiple charges on the same day containing the same transaction number for various amounts, charges at local gas stations for XXXX and XXXX my normal charges, Schedule rollovers being delayed, Transactions where the major city and state do not match, holds being placed on my account for ghost transactions, my account being charges a fee for reporting fraud.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (MS)

I want to try this again since this company 's response is always the same. I do n't feel that this company is looking into this at all and I feel they are running an illegal practice in their collection agency. 
I have recently relocated to Mississippi for work and was informed by my attorney that this claim needs to be taken off my credit report per Mississippi Law. I have been fighting this company for over a year now with this claim. IT 'S NOT MINE. I am trying to buy a home as I am currently living with a coworker and trying to XXXX with me. So for the last time before I get my attorney involved take care of this claim. 
You claim you ca n't find me in your system, well here 's your info My account number with you is XXXX Your clients account number is XXXX
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

My cell phone contract ended XXXX of 2012 (? it may be XXXX ). I paid the final bill in XXXX. Approximately one year later I received a collection notice that I owed the cell phone company {$330.00}. I do not owe them anything. After XXXX phone calls over the past couple of years ( yes, years ) the cell phone representative discovered that a new 2 yr contract had been started in the month of XXXX or XXXX. This is completely wrong. My daughter had lost her phone, I had another phone I purchased off of XXXX, I have the receipt for this other phone. I called the cell phone company ( XXXX maybe ) to move her phone number over to this new phone I had purchased on XXXX. When the number was transferred it created a new 2 yr agreement as if I had purchased the phone from THEM, but I did not, so this XXXX 2 yr contract should never have been started, but I was completely unaware of it. I have contacted the collection agency that sent bills to me. I explained what happened and they said it was n't their job to fix it. The collection agency somehow transferred me to the cell phone company. As I was explaining it, she put me on hold and we were disconnected. I called the collection agency back the next day. Out of frustration I explained, again, about the 2 yr contract that should not have been made and I just wanted to get this done with, it had been XXXX years. Even though it was a mistake by the cell phone company I was tired of dealing with it and offered to pay a portion of the bill if that would end it. The collection agency representative agreed. I asked to have the derogatory marks removed from my credit report ( XXXX pages from this XXXX collection ). This was also agreed upon. I told her I will be making a reference to our agreement on my check because she could n't offer me anything to secure our agreement. I sent a check with a notation written on it about our agreement ( I have a copy ). So, the account was taken care of. I contacted the credit reporting agency recently and the derogatory marks were NOT removed as agreed upon. I filed a claim with the reporting agency. They told me, after the investigation, that it is all perfectly fine and will not be removed! Now, I noticed there 's also a notation at the beginning of the XXXX pages, from this XXXX collection agency, that states " only half of the account was paid ''! That was our agreement! I was n't even responsible for this wrong bill but I was soooo tired of it I paid XXXX, and it did n't even fix anything! This is so completely wrong and frustrating! I have ALL the receipts and the check with our agreement on it, cashed by them. It feels like the cell phone company is just being vindictive and trying to harm my public profile, when they were wrong.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I got a loan with One Main XXXX XXXX. for I think $ XXXX ( Ca n't find statement for initial letter. I have fallen on hard times and called them XXXX/XXXX/XXXX because I noticed that as of my statement on XXXX/XXXX/XXXX I still have a balance of {$1900.00} left. This is ridiculous after all this time. I called the company and explained I could n't pay the loan anymore and to come get my car. The company waited a couple of weeks then called me back and told me the would not come get the car and I stilled owed the balance. This does not seem fair. I am on XXXX and I feel that I am being taken advantage of. They call my phone at least 5 times a day and will not just come get the car
Consumer complaint received 2016-03-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have an account with Bank of America and I am having discrepancies in my account. My account was overdrawn and I am being charged excessive amounts of bank fees. I have tried multiple times to get some sort of assistance in removing some of the fees that are being charged on my account, and they said that they were unable to help with any of those fees. 
I 've also tried to set up some sort of payment plan with BOFA so that when my Social Security direct deposit comes in the amount wont be taken in XXXX lump-sum, and they also were unable to access me with this request because I would need to cancel my direct deposit first. I 'm not quite sure as to why BOFA has the option for discrepancy and they were not able to access me in any shape of form. I asked a question about their policy and the representative was unable to answer my question but stated a customer service agent would. 
When I got transferred to customer service they also could not answer my question and said to me that the discrepancy department has given me false information. I then-after asked if they can assist me and creating a payment plan and was told by customer service that they have a department that can assist me with the payment plan. Customer service transferred me to a collections agency that told me that customer service also gave me false information. 
I am single mother of a XXXX year old XXXX receiving a pension of {$XXXX} once a month and in fees alone this bank has charged me a little over XXXX dollars in fees in just 2 weeks ; and the fact that BOFA 's collection agency stated that i needed to cancel my direct deposit in order to create such payment plan is just ridiculous. The lack of communication skills within this company 's ' departments shows why they have such a horrible review!!! 
I can not fathom how individuals would choose to work for such company. I am completely distraught with the assistance i have received by them.
Consumer complaint received 2016-10-20
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc. (LA)

Clear spring loan services called me several times a day trying to collect on an amount they ca n't prove I owe. I submitted a previous complaint XXXXand they responded by saying they need 60 more days. Why do you need 60 more days, you were trying to get me to pay some bogus amount immediately and now you want 60 days to get your act together. Either you can prove i owe the amount or you ca n't. Why do you need 60 days? Are you trying to find proof? If that 's the case you were illegally collecting from me this whole time and assumed i was some XXXX who would not ask for proof.