davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NY)

This complaint is regarding Citi Credit Card, the issuer of XXXX credit card 's unfair and deceptive acts. XXXX varying amounts were charged to Citi/XXXX Credit Card in conjunction to XXXX deferred interest promotion. The first amount of {$1300.00} charged to Citi/XXXX Card on XXXX XXXX, XXXX was the initial payment toward the Bathroom ( tub replacement ) at my XXXX XXXX XXXX and the remaining balance of {$2800.00} was charged to the same Citi/XXXX Card on XXXX XXXX, XXXX when the job was completed. A new charge for a bedding in the amount of {$700.00} was charged to this Citi/XXXX card on XXXX XXXX, XXXX and a the last purchase in amount of {$1300.00} for electronic equipment/accessories was charged to this same Citi/XXXX card on XXXX XXXX, XXXX. 

The subject of this dispute is how my monthly payments under the deferred interest promo was applied towards this Citi/XXXX account. I understand that any payment made will first be applied towards the oldest account ( the account whose promo date ends first. With the exception of accounts that are in dispute. When an account is in dispute, it will be placed in hold until such time the matter causing such dispute is resolved. Despite numerous calls to the bank 's customer representative, and emails/messages requesting Citi/XXXX to readjust my account balance by recalculation the payments and applying them towards the accounts that are not in dispute, Citi/XXXX has acted unfairly and in a deceptive manner by continuing to apply my payments towards paying down the amount in dispute. Adding insult to injury, Citi XXXX continues to levy interest charges when there is no late payments whatsoever that would trigger such interest charges to be added. 

Based on my calculations, The entire amount that is not in dispute is all paid -up way ahead of the promo 's end dates. In fact, there is an overpayment which will have to be applied towards the amount in dispute bringing the amount in dispute from $ {$2800.00} per Citi/XXXX records down to {$2200.00}. This is the amount that I have to pay once XXXX XXXX XXXX has made the necessary repairs/to the bathroom. Henceforth, no more payments will be made since all amounts have been paid ( and overpaid ) leaving the disputed amount open and said amount in dispute will be paid upon completion/resolution of the matter that is the subject of the dispute.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

This is a follow up to Case # XXXX. I was told to wait 30 days for the CRAs to remove the inquiry. It has been 41 days and the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately or legal action will follow shortly!
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MD)

We are receiving XXXX mortgage statements each month from PHH Mortgage ( Mortgage Service Center ) since the company assumed our home mortgage XXXX XXXX. I called the company XXXX XXXX and was told that they send a monthly notification statement and also generate a statement when they receive a payment. This creates confusion and a potential duplicate payment to be made if XXXX does not pay close attention to the Payment Due Date which are the same date. The statements are identical forms with XXXX showing transaction activity of the last P & I/Escrow payment and the second statement showing no transaction activity. The only significance of the second notice is to identify next payment due date already identified on the previous statement. XXXX statements have same Payment Due Date. I 've paid multiple mortgage companies over the past 30 years and this is the first company that has issued XXXX statements per monthly cycle. Upon speaking to the PHH Mortgage customer service representative they stated that federal law requires them to send a statement when a payment is made. Unless I 'm missing something, the ''Dodd-Frank Wall Street Reform and Consumer Protection Act '' XXXX XXXX XXXX only requires the creditor to notify the mortgagor of the following below. There is no requirement to send a notice upon receipt of payment. A single statement to include last P & I/escrow payment should suffice as sufficient notice. 

SEC. XXXX. DISCLOSURES REQUIRED IN MONTHLY STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. 
Section XXXX of the Truth in Lending Act XXXX XXXX XXXX. XXXX ) is amended by adding at the end the following new subsection : '' ( f ) PERIODIC STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. -- '' ( XXXX ) IN GENERAL. -- The creditor, assignee, or servicer with respect to any residential mortgage loan shall transmit to the obligor, for each billing cycle, a statement setting forth each of the following items, to the extent applicable, in a conspicuous and prominent manner : '' ( A ) The amount of the principal obligation under the mortgage. 
'' ( B ) The current interest rate in effect for the loan. 
'' ( C ) The date on which the interest rate may next reset or adjust. 
'' ( D ) The amount of any prepayment fee to be charged, if any. 
'' ( E ) A description of any late payment fees. 
'' ( F ) A telephone number and electronic mail address that may be used by the obligor to obtain information regarding the mortgage.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XX/XX/XXXX I purchased a XXXX with over XXXX miles on it from XXXX, a used car dealership located on XXXX in XXXX, NY. It had a high monthly payment, but I needed a car to get to and from a part time XXXX position and was credit was not great so I signed. The beginning of the XXXX month the called stopped on an expressway ... if I did not pull over quickly, I would have been in a horrible accident. 
It was towed by this XXXX and I was told it needed a belt and alternator. They fixed it with no charge to me. Next, I am informed that XXXX went our of business and that XXXX ( located on XXXX, in XXXX., NY was now taking over for them. Now they told me I needed an oil change, some filter, etc and I paid {$160.00} for this since these items were not under warranty.This same thing happened again twice at about 4 months ; car was towed again to the XXXX since they took over for the defunct XXXX. I know it was electrical, but XXXX would not admit to it. Whatever they did to my car and would not admit, the car was OK ... no more stopping and shutting off. By XX/XX/XXXX I needed a new battery and paid over {$200.00} for it. This XXXX has ( 3 ) batteries, 1-in front ; l in the rear ( trunk ) and one running along the undercarriage which I was never informed about. Next by our first storm, I needed tires, all four for this car. By this time, I had this vehicle for about 7 months. 

If I keep this car ( on a 5 year payment plan for $ XXXX ), I would be paying at the end of 5 years, {$16.00}, XXXX for a car which I found out is only worth at max. is {$3300.00} On XX/XX/XXXX, this vehicle was rear ended by a snow plow ... the driver had no insurance for Business Use! Credit Acceptance wanted it fixed by who ever. I will have to take this truck and driver to court.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (CT)

Collection agency R.M.S. claims to represent XXXX. I have no record of any previous notification from XXXX that I owe them anything. I contacted XXXX twice and they confirmed they have no record on my account of me owing them anything or of them ever contacting R.M.S. for any collection against me.
Consumer complaint received 2015-06-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (KY)

In XXXX 2015, I received a notice from a company named XXXX XXXX XXXX XXXX stating that I owed a debt to eBay. I called this company and also eBay and reported that I do not owe this debt as I had never sold anything on eBay. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from eBay claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named XXXX XXXX XXXX claiming I still owed eBay a debt. Apparently eBay allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, eBay and Pay Pal. I have also spent time making police reports, consulting with an attorney and responding to emails from eBay. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your eBay account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by eBay. Most people probably pay rather than deal with this abuse.
Consumer complaint received 2016-10-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

I Have A Paypal Account And I Have Had It Every Sense 2014 And I sold an item around XX/XX/XXXX On Ebay and I Sent A Invoice And When I Went to my Paypal Account To See If The Buyer Had Paid There Was A Message Say You Account Has Limitations For An Unauthorized Transactions So I Contacted PayPal And Talk With Several People They Was No Help Some Of Them Had Nasty Attitudes And Was No Help So I Want You 'll To Investigate This Matter Because I 'm Getting The Run Around And It 's Not Fair
Consumer complaint received 2016-10-21
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: Columbia Recovery Group LLC (WA)

Columbia Recovery Group is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting XXXX MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but Columbia Recovery Group is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
Consumer complaint received 2016-12-03
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

PayPal has locked my account, i.e. refused access or approval of available funds, at least 3 different times within the past two weeks. The PayPal account I have is designated as a business account ; however, once funds are deposited from normal customer sales I expect to be able to use the funds as needed, business and personal expenses. Since XXXX XXXX, 2016, two of the instances when PayPal 'locked ' my account and prevented access to my funds was because they saw numerous uses of XXXX. I explained to PayPal that I have no other access to transportation where I live and in my health condition ( bus stop a mile away and I have XXXX ). I explained further that in addition to my using XXXX, both of my kids are using XXXX using the same account. So elevated XXXX usage is justified. 

The third time my account was locked PayPal said that I needed to verify my 'existence/identify '. My account was 'locked ' preventing access to available funds until I uploaded, my driver 's license, a utility bill, shipping receipts, business information, supplier information, and invoices. At the time, my daughter needed an XXXX to get home but could not because the account was locked. She was stranded, causing a potential safety issue and cause for alarm for me! 

My complaint with PayPal is the random locking of my account preventing access to MY MONEY! This is n't prevention of fraud, this is PayPal dictating my purchase patterns which should be beyond their authority.
Consumer complaint received 2022-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

On XXXX I received an alert from XXXX Credit services indicating someone used my information to open a fraudulent account with the Bank of America XXXX XXXX XXXX Texas on XXXX. Upon further investigation this fraud was confirmed and the account was closed. 
I am currently working with Bank of America and XXXX to have this account removed from my record.
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX sent {$150.00} to Professional Credit Services, " collections ''. {$100.00} of it was paid to Professional Credit Services, " collections '' in XXXX XXXX. {$60.00} was paid to XXXX XXXX XXXX XXXX XXXX. XXXX did not recognize this payment until XXXX of XXXX. They sent the payment of {$60.00} to the collection agency in XXXX of XXXX. The collection agency and XXXX are requiring me to pay interest on the balance previously paid. XXXX had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made XXXX aware of the issue, they paid the collection agency XXXX XXXX, and the interest is now on my credit report. I asked XXXX to pay me the interest or write off the interest and they wo n't. The interest is {$17.00}, it is not the amount but the lack of reconciling my account for 4 years and than demanding interest on money they had all along. XXXX owns the debit, the collection agency did not purchase the debit. From my point, this needs to be removed and back dated off my credit report. I have contacted both XXXX and Professional Credit Services and both will not release the interest on money they had for 4 years. I would like to see both these companies fined for abuse of my credit report. They both are aware the money was paid 4 years ago and are still demanding interest not earned due to the lack of reconciling my account.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

i was a victim of identity theft and i noticed a hard inquiry from amex on my XXXX report.ive tried to dispute those but they refuse to remove it. It is hard for me to aquire credit due to those inquiries i demand that they remove them. Those Inquiries were not the dates stated XXXX/XXXX/15 and XXXX demand they be removed
Consumer complaint received 2017-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

I recently filed a complaint against Midland Funding and since they responded to the complaint with their normal copy and paste response they have increased the amount they are trying to collect by almost 50 %. Last week their website and my credit report showed a balance of {$660.00}. Since I filed a complaint they removed balance information from their website ( screenshot provided ) and later disabled my ability to view my balance. They also updated my credit report showing a past due amount of {$960.00}. I have attached a screenshot of this also. They added {$300.00} to the balance in one day. In their response to my previous complaint they told me to contact a law firm and appear to be adding on additional charges. Something needs to be done about the tactics this company uses.
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

In XXXX of 2015 we were offered an American Express Preferred Cash card which included an offer to give us a statement credit of {$150.00} if we spent more than {$1000.00} in the first three months. We spent well over that amount. We are now two months past the first three months and have not received the statement credit that was promised. We contacted American Express multiple times and have always been told that we will receive the credit the following month. This last time, we asked to talk to a supervisor who told us that they saw no evidence of us being offered the {$150.00} statement credit. They told us they would investigate it but it would take months for them to get back to us. 
American Express is clearly committing Fraud by offering a promotion to get consumers to pay {$75.00} upfront for a card, ( like we did ) and then not honoring the offer. We have filed a formal complaint with the XXXX and the Florida State 's Attorney General 's offic. 
We will never again do business with American Express and feel they should be investigated for fraudulent consumer practices.
Consumer complaint received 2016-02-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit management and midland funding falsified documents to the judge on my daughter who have a XXXX and stuck her with an enormous debt. and levied her bank account and removed her XXXX funds. Now she has no meds and I am struggleing to pay for her medical bills and medication until we can get a date were the judge can see her exemptions. I tried to negotiate with them but they just gave me the run around. Prentending they did not understand what I was calling for or the attorney I was calling for. They pretened they did not know. XXXX XXXX XXXX Division Manager of Consumer Support Services would pretend he was not the manger several times. They would even send me mail in envelopes with no markings to deceive me from court appointed hearings. Never wiiling to verify the amount truly owed. Until they place a judgement on her. All still refuse to do so.
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding LLC listed inaccurate information on XXXX credit records stating an account was opened XX/XX/2013 which I did not and there is no record. Any account I would have opened is past statutes. I have requested in writing documentation of debt which I did not receive. In addition, it listed the debt on XXXX under the name XXXX XXXX XXXX using Midland Funding physical address in XXXX XXXX, which is hardly the banks location. On XXXX they list themselves as a Factoring Company. I believe these are unfair practices under the FCRA and FDCPA. Is Midland Funding a bank, a collection agency or a factoring company?
Consumer complaint received 2016-12-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have been trying since XX/XX/2016 to close an account following a death. American Express FSB continually provides different information on their process, fails to return phone calls inquiring about status, and blames the US postal service for records not received beyond what is reasonable.
Consumer complaint received 2015-06-04
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (MN)

Please refer to my original CFPB Case # XXXX, the calls have continued as of XXXX/XXXX/2015. I have had XXXX calls since this date. I have continued to make payments on time without fault, based on the arranged payoff agreement. All payments have been on time each month. Stop calling!!
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

We had an offer on our house and requested payoff from DiTech on XXXX XXXX, 2015. DiTech advised us that there would be a 5 day waiting period but it has been 11 days and every time we call they tell us the request is past due but being looked at. They will not tell us the problem only that there is something wrong on the back end. We have requested payoff in the past with no issues. Now the buyer ( who has cash ) is getting worried and is starting to want to back out. I do not want to lose this offer but we are at our wits end with the mortgage company. I have spoken with numerous supervisors but no one will give me a straight answer but do offer to call back. No Calls.