davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

hello, I send money from Walmart using money gram, international transfer to XXXX, bank deposit, the receiver never got the money. I call every day to money gram to find out why the money was not deliver, the answer is please wait 24-48 hours we will investigate and we will call you back, the never did, I call again asking for refund, and again please wait 24/48 the say, with no answer where is the money? today I call again and the did n't want to transfer me to escalating department the just told me to wait for the answer .but is 2 weeks since I send the transfer, and the ignoring me over and over the have no answer!!! please help,
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant & Weber (AZ)

the debt is been paid on monthly payments {$150.00} XXXX, {$60.00} XXXX, {$60.00} XXXX, {$50.00} XXXX {$50.00} XXXX Check XXXX. As long XXXX XXXX cashed the payments, there is no reason to report incorrect information in my credt report. The issue of monthly payments were explained to the debt collectio agency on about XX/XX/2019. No additional demand of payments was made corresponding by mail ; consequently, their tactics to collect this debt is illegal.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

In XXXX of 2016, my husband and I renewed our investment property insurance with ( XXXX XXXX PA, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ) ( XXXX. Company is XXXX XXXX XXXX XXXX ). 
On XXXX XXXX, 2016, my husband and I received a letter ( see attached ) from our investment property Mortgage Company ( M & T XXXX. XXXX XXXX, XXXXXXXX XXXX, phone # XXXX ) stating that we do not have sufficient flood insurance and that our investment property is in a [ Special Flood Hazard Area ]. And the letter went on to state that if they ( the mortgage company ) did not receive updated flood insurance, that they will obtain another flood insurance policy on the property. 
On XXXX XXXX, 2016, I called the XXXX of XXXX XXXX where the investment property is located and inquired as to what type of flood zone our property is in. According to the letter sent by the City of Sunrise, our investment property is not located within a Special Flood Hazard Area based on the Flood Insurance Rated Map ( FIRM ). [ See attached letter. ] On XXXX XXXX, 2016, we faxed a copy of the above letter to ( XXXX XXXX XXXX Insurance Agency ) and emailed a copy of the letter to M & T Mortgage to their offered website in their letter XXXX XXXX XXXX. 
Approximately on XXXX XXXX, 2016, we received a letter from M & T Mortgage stating that they had placed another Flood Insurance Policy ( see attached ) on our Investment Property, knowing that my husband and I already have sufficient flood insurance on the investment property. 
The mortgage company needs to have more respect for laws, policies and for us as property owners. M & T Mortgage does not own us and we are not someone to push and kick around. 
M & T Mortgage has falsely placed another flood insurance policy on our investment property causing us the responsibility of XXXX insurance payments. I hope you can inform M & T Mortgage that a federal policy/law is in place on this matter and they are not abiding by it, so they need to. We actually do not have to carry flood insurance because the property is not within the flood zone map, according to the XXXX of XXXXXXXX. But, M & T Mortgage Company goes and force place flood insurance on our property like we are some type of insignificant individuals. And took the flood money out of our escrow already, which I hope you inform them that they need to replace it back.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capstone Credit & Collection, LLC. (NC)

Capstone Credit collections LLC at this point i would like to SUBPOENA XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to court to talk with him in person and handle my alleged debt that's 1year an 8 months away from being deleted from the credit reports CAPSTONES IS VIOLATING THE LAW by holding me back from my future goals for my family and business.
Consumer complaint received 2015-07-01
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

Money was never transmitted to bank nor recipient. Refund not provided to me Terrible customer service.Errors/Conflicting reference number I sent money via MoneyGram online service. on XXXX, 2015. I paid {$210.00}. cash, of which {$9.00} was transaction fee, reference # XXXX ( The Customer service does not have this number matching- I have E receipts and online account ). The money was intended for my mother via XXXX phone number XXXX XXXX XXXX in XXXX. When she went to the designated XXXX bank agent in XXXX, they informed her that the money was never transmitted nor in their System .I called customer care on ( XXXX ) XXXX ( XXXX ) XXXX, Filed online and they have had me with the following reference codes they called back XXXX and XXXX She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX I contacted MoneyGram about the problem and Called XXXX XXXX Customer number # XXXX. They told me that they dont have any money from Money gram to XXXX or they cant help help me even though my receipt shows my name and reference number accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The calls lasted over XXXX hours. The last person from opened a case, She said she would give me a call after they investigate. I have never had problem with money gram before but my trust and patience is running out, I used to really recommend money gram but for 3 days my joy of doing transaction with good faith has turned out to be pain -I was sending money for emergency the receiver never got the money, I am even scared using the products right before this ordeal my online account was blocked and I can not even access their Plus account, Today XXXX XXXX 2015 I realized the calls in Customer service are on long wait delay I have been on the phone all day trying to get a refund. I get transferred around and get hung up on, They need to really protect consumers
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

I wired {$10000.00} to Coinbase on XX/XX/XXXX and the funds have yet to clear my trading account as of XX/XX/XXXX. The XXXX website reads that wires clear within one business day. I have gone through the online support method twice with no repsonse and have called to discover that there is not support for these matters over the phone.
Consumer complaint received 2015-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (DE)

Today, XXXX I received an automatic dialer call from Sandanter asking to speak to XXXX XXXX I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't due that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouses cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX 's account. She located me and my husbands account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained taht this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with there dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more then the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues.
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (TX)

I was applying for a mortgage with Pulte Mortgage since they were building my house. We first got in contact with Pulte Mortgage on XX/XX/XXXX. They ended up giving me my loan estimate. The loan estimate that I received was ok, but as with all mortgages you usually want to get multiple estimates so you can see if your getting the best deal. So I did n't get with the other lender till XX/XX/XXXX, which I had told pulte mortgage that I would be doing that, which is why I did n't get them anymore documents or respond to any additional communications at that time because I wanted to make sure I 'm getting the best deal for my money. I had decided to go with my other lender and they had requested title. I was under the impression that Pulte had canceled my loan because the loan processor had requested it since I was n't giving them my documents. Well on XX/XX/XXXX, I get communication from my loan consultant and says please look at this deal. I do n't know why they would send me another deal, which was it better? Yes it was, but it came out of nowhere. I think it was triggered due to tile request from the lender I was wanting to use and I never had sent them my other proposal. So when I opened up the new offer, it was brought to my attention that they ended up deleting a lot of the fees that were on my proposal from the start and was n't in the lender credit area where you would see adjustments from your lender if they decided to give you additional discounts towards your deals to offset other proposals. Well I called my loan consultant and he told me that every deal is different for each potential deal. Which for lending its not supposed to be that way, where companies can just go in and switch up fees for some people and not others. I was not happy to hear about that even thought it gave me a great deal. So apparently those fees were erroneous and they were just trying to take a bad mortgage. I 'm all about equality when it comes to lending especially with me working in the financial industry and knowing you have to treat all customers with the same expectations and fees.
Consumer complaint received 2016-02-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I have a very old auto loan from SANTANDER CONSUMER U. They reported my last payment as XXXX 2015 to the credit bureaus I have n't made a payment or heard of this loan in many years. This is false information, originally ( years back ) when i signed for the loan I was quoted a XXXX monthly payment. When my first statement arrived the monthly amount was over {$600.00}. I attempted to fight this with Santander but it lead no where. This was before an agency like the CFPB was around. I attempted to pay the {$600.00} since the dealership could n't take the car back and was not able to keep up with payments after a period of time.
Consumer complaint received 2016-05-18
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jana Ferrell & Associates LLC (OK)

SEVERAL ISSUES JANE FERRELL AND ASSOCIATES ... DID NOT GIVE ME FDCPA NOR MINI MIRANDA WHEN I CALLED.. THEY THREATNED TO TAKE ME TO COURT WHEN THEY HAVE NO PLANS TO.. THEY CAN NOT DO THAT.. AND THEY ARE ALWAYS SUPPOSED TO READ ME MINI MIRANDA AS WELL AS FDCPA.. THEY DID NOT TELL ME I COULD DISPUTE IT AS WELL.. I WAS GIVEN NO OPTIONS.. THEY ALSO DID NOT TRY TO TAKE TH ELAST PAYMENT THEY ARE CLAIMING THEY DID .... I DISPUTED IT AND THEY EVEN CAME BACK AND WERE RUDE AND DISRESPECTFUL IN THE RESPONSE FROM XXXX ....
Consumer complaint received 2018-01-08
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: Experian Information Solutions Inc. (PA)

In 2014 a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to Experian by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''.

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to Experian, knowing they are in violation of Federal Regulations and Experian is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or Experian to the letter of Federal Regulations
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (TX)

The XXXX is using deceptive practices in an attempt to benefit from an increase in late fees due to a system limitation and/or flawed process. I had a negative balance in my toll tag account which I do not dispute. As such, I received invoices and subsequently deposited {$100.00} in my toll tag account. The {$100.00} would have covered several invoice balances and would have eliminated the accural of additional late charges. XXXX did not credit the surplus funds to my outstanding balances and as such continued to collect late charges. They sent XXXX invoices to " collections '' while they were sitting on {$100.00} in the toll tag account. They told me they were not able to waive the excessive late fees because the system did not work that way and would not automatically transfer the funds. You have to call to do that and that is not disclosed anywhere. As such, they continued to collect late charges based on an aging criteria. 1. XXXX needs to fix their system so if there is a balance added to the toll tag account it will be automatically applied to any outstanding bills. 2. They should also be able to be applied to balances in collections and waive those late fees if it their was a balance in the toll tag account as their " collections '' department is in house and owned by the XXXX. My total late charges paid were 56 % times the amount of my original toll. Unpaid balances should be paid by surplus toll tag account on a XXXX basis. Banks are cited for these sort of practices, so why should n't the government be held to the same standard? Example : Toll charge 1= XXXX Toll Charge 2= {$26.00} Total for that invoice is {$88.00}. Late Charges are {$70.00}. A total amount of {$150.00} was sent to ( in-house XXXX ) collections. Collections attempted to collect on {$150.00} while I had {$100.00} surplus balance in my toll tag account. In addition, there were newer oustanding invoice balances that continued to accrue late charges as that surplus balance remained in tact.
Consumer complaint received 2016-01-27
Product: Other financial service — Money order
Issue: Unexpected/Other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OR)

A MoneyGram Money Oder was received as a XXXX gift in XXXX. I recently found it while sorting through old XXXX cards and attempted to cash it XXXX XXXX. Due to the {$1.00} monthly " service fee, '' the money order value no longer exists and MoneyGram refuses to honor its own money order. This caused me to incur a Returned Check fee from my credit union which has since been refunded. A fee was paid when the money order was purchased. MoneyGram essentially " stole '' my XXXX gift! 

What monthly " service fee '' does the company incur that justifies {$1.00} per month for a {$50.00} money order? This is tantamount to theft.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Aid Experts (MD)

Initial contact between Students Aid Experts and I were initiated upon their attempt to reach me via phone in XX/XX/XXXX. They claimed that they had reason to believe my loans were eligible for student loan  forgiveness and I had to enroll immediately to assure my approval due to shortage of funds available to borrowers interested in the program. The conversation persisted as the representative asked for my FSA ID and PIN. I cooperated with their request in order to move forward with the application process. Toward the end of the call I was transferred to a financial specialist, XXXX XXXX, who went over the terms of the agreement with me and the specifics of the enrollment process. After going over some details of the process and being promised forgiveness and a specific monthly payment amount ( upon process completion ), it was to my understanding that this company would be responsible for my loans and handling them in the forgiveness program. The agreement was for us ( as clients ) to pay three monthly installments of {$230.00} for my loans and three monthly installments of {$230.00} for my husbands loans starting XX/XX/XXXX. In regards to the installments I agreed to pay, I was under the impression, due to the information relayed to me on the phone, that it would be going towards my loans and I was unaware of their intentions to keep the funds as a document preparation fee. About 2 months after I signed the contract with Student Aid Experts, I was sent a packet of papers from XXXX XXXX XXXX and I was notified that they would be the new servicer for my loans. I had contacted XXXX XXXX XXXX via phone to clarify some details regarding my enrollment in their system. I had asked about the payments I was making too Student Aid Experts and XXXX  XXXX XXXX denied knowledge of them but proceeded to warn me of a common scam that seemed to identify with my situation. I then called my bank in efforts to stop further payments being made to XXXX XXXX XXXX and filed a dispute in attempts to get my money back. A temporary credit was issued by my bank to my account and was told that there would be launching an investigation and it would take 30-45 days. About a week ago, I received a packet of papers in the mail from my bank stating that the temporary credit of {$1100.00} was going to be reversed on XX/XX/XXXX. Because of the misleading information given to me by Student Aid Experts and the money I paid to them for services that I later learned could be attained for free, I am looking to further this dispute as I would like a full refund from Students Aid Experts upon learning that I was a victim of their scam.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

This is a Macys XXXX XXXX card which means it has XXXX lines of credit. The XXXX XXXX card portion is due on the XXXX of the month. I have enrolled in Autopay through the XXXX website and have a confirmation of enrollment email but no payment came out for XXXX. When I called up yesterday to ask why it did not come out, I want to keep my account and credit in good standing, no one would speak to me. They keep telling me that the Macy 's portion of the credit card is overdue! I have that statement and it says {$3.00} were due for a paper statement request from the previous month. That request had been a misunderstanding and never should have been sent out. On XXXX XXXX, 2016 I called the company and the woman waived the fee, making my balance {$0.00}. The balance Macy 's is trying to make me pay now is from a purchase I made but is showing up on my XXXX statement ( which I was able to access online ). 
They tell me the {$3.00} amount on my account was credited to the wrong statement so that my account is still considered overdue. I have gotten XXXX help over the phone from Macys. They transferred me to the Recovery department who immediately understood me and saw everything I was saying reflected in my account. Unfortunately, she could n't help me and sent me back over to Macy 's customer service line who proceeded to ignore my issues. I have spoken to 4 different people and departments. No one will get me a supervisor. I need help because I am going in circles. No one can even tell me if this is effecting my credit report. The credit dept they sent me to tell me they can not assist because the account is past due after speaking to someone who just gave me their number and assured me the credit was applied.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX XXXX, I received a message from Macy 's American express asking if I was trying to make a fraudulent charge in the amount of XXXX, I replied no, then they called me to verify and cancelled the card, buy they went ahead and authorized the charges, plus XXXX more, for a total of XXXX. 
I have sent the dispute letter XXXX times already, call them on a daily basis and they have n't resolve anything.