davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CT)

TD Credit/  XXXX   XXXX    cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX, 2017, I tired to make an online purchase of {$24.00}. The merchant claimed to have not received the funds and directed me to contact the American Express Gift Card Service Center. I made contact with Amex, not easily as they do not offer an option to talk with a customer service rep and if you press 0 for an operator the menu starts all over again. The only way I was able to visit with a service representative was to select the telephone option for lost or stolen card. You will then be transferred to a foreign country, XXXX???, and then can speak with an agent. I was informed the problem resided with the merchant. I called the merchant and was told they never received funds and something must have gone wrong during submission. I called Amex back and was told I would have to wait 2 -  7 days for the transaction to be credited back to my gift card. It took the entire 7 days to receive the credit. First complaint why tell a customer it will take 2 - 7 days for the credit when they know it will take the full seven days. This is simply a lie!! Meanwhile, once the funds did credit back to my card, this morning I tried to make the purchase again and yet received the same problem! I immediately contacted Amex was told the same lie about a 2 - 7 day waiting period to receive a credit. Of course I argued with the incompetent service reps with Amex as they could not understand the error message of " Return & AVS ''. Please see attached documents showing the same message with each transaction. Amex has no idea how to read their own error message and are completely unwilling to offer average customer service. I contacted the merchant again and sent the print out of card charges and they were able to identify the problem. The statement of charges shows the transaction was returned. I called Amex and they refused to do anything, other than waiting another 7 days for the refund to post. They should clearly credit the card back immediately after seeing the message of " Return AVS ''.
Consumer complaint received 2017-05-04
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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I aske d BMW to  verify the account and they still have not even afte r    XXXX certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a s upposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and  XXXX  for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: First Data Corporation (MA)

Several months ago, I bought a  XXXX   XXXX  in  XXXX  and activated its prepaid feature. The fee schedule (   XXXX   XXXX   XXXX   ) states that there is a monthly fee ONLY if no money is loaded to the card in an 18 month period. I have been loading money and using my card but was still assessed the {$2.00} fee in each of the past 3 months. I have called customer service 5 times about this, and they did not fix the issue. They also gave me incorrect information about what the fees on my account are and refused to transfer me to a supervisor.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TN)

On XX/XX/XXXX I made a purchase of {$3600.00} to XXXX XXXX for XXXX XXXX XXXX XXXX equipment that were described by the merchant as " Used & Working ''. On XX/XX/XXXX I received the pallets with the merchandise and inspected them to find that the condition was not used & working. The merchandise was missing crucial components required to properly function and what I received was salvage grade ( junk ) merchandise. In the subsequent days I called the merchant to try to find some recourse but received no response. In response on XX/XX/XXXX I called Discover to file a dispute as the merchandise I received was significantly not as described. Initially Discover issued a credit back to my account and I thought the matter was settled. However, as of XX/XX/XXXX, Discover reversed this credit and I have been scammed out of my money and have been left with a bunch of junk. 

Because Discover was unhelpful, I filed a complaint with the CFPB shortly after which you can find filed as complaint XXXX. Initially this complaint filing was met with cooperation from Discover, they reversed the charge again, however as of the beginning of XX/XX/XXXX the amount was reposted to my account and I expected to receive a letter as I was told that I would have the ability to provide supporting documents including my attempts to call XXXX XXXX ( the merchant ) following the delivery of the not as described goods, but no such letter was sent to me. 

To add to the matter, Discover has now decided to close my account completely. I have paid every month on time and in full prior to this negative experience with the XXXX XXXX order. This is the first time that I've disputed any charge with Discover and they have been wholly unhelpful despite touting their " {$0.00} Fraud Liability Guarantee means that you're never responsible for unauthorized purchases on your Discover Card account. '' So my entire line of credit with Discover has been shut down because I asked for their help in handling a fraudulent transaction where I have been sent goods that have been wholly misrepresented, a situation which certainly warrants fraud protection from the credit company with which the goods were purchased. This action is in direct violation of the federal Equal Credit Opportunity Act, which " prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Consumer complaint received 2017-05-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Credit Financial (OH)

I 've already filed  XXXX  wo complaints because this company continues lie about my account and give me the run around. Y es, I had insufficient funds to make the  XXXX   XXXX , payment so it was declined and I called that day to make arrangements for a payment on  XXXX   XXXX . I have the email regarding the decline on  XXXX   XXXX , but the payment that was supposed to be made on  XXXX   XXXX  was never charged or declined by my bank. The money was there. And I was not notified of such a decline. Nor did I receive a statement in  XXXX  indicating that there had been any kind of decline or what would be taken out for  XXXX  or what I owed. I sent an email, since my phone calls were not going through as I work during the day -- and assuming that this email has to be monitored because it 's where they requested that I send my signed contract, they would have seen that I had not been receiving my statements and did n't know why they were not charging my payments. Still nothing. Until  XXXX   XXXX , I had not heard a single thing from this company by phone, email, or mail. Obviously they have my mailing address because it appears on my decline email, and obviously I could get emails from them, because I have this decline email, but I never received another thing from them after I made arrangements on  XXXX   XXXX . And yes, I told the rep to shut up, because I was sick and tired of getting this kind of run around and being fed these lies. One of the managers admitted to my husband that this was the company 's fault, and given that I have every right to have filed a complaint. I had received NOTHING -- no responses, NOTHING -- after my call on  XXXX   XXXX .
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

PHH Mortgage Services  took over my loan in   XXXX   XXXX  . I have an escrow account set up with them with the expectation that they would pay all of my property taxes as my previous loan servicing company did. My payments for my home have remained the same since I bought my house over 2 years ago. In   XXXX   XXXX   I received a delinquent tax bill from my   XXXX   district in the amount of {$3400.00}. I immediately alerted  PHH Mo rtgage to the situation and they paid the late tax bill. However, on   XXXX   XXXX   XXXX   I received an escrow reanalysis that states that due to their oversight, I must either pay them {$4900.00} or my monthly payment will increase by {$410.00}. Neither of those are viable options for me. I also no longer trust their ability to properly service my tax/insurance money and requested to have my escrow account removed so I can make sure my taxes get paid in a timely manner from now on. They agreed to remove my escrow account but only if I pay a {$420.00} escrow waiver fee. I do not feel it is right for them to charge me to monitor my ability to pay my taxes when clearly they ca n't even take care of their own business. I brought this to their attention and was told they would not waive the {$420.00} escrow waiver fee, sightin g it 's in the loan documents ( which I never signed with them ). I am pretty sure those same documents state th ey have the duty to pay my taxes in a timely manner. Their mistake is causing an undue financial hardship for me. I now have 7 months to come up with a years worth of taxes. I feel I should have the money I have contributed to my escrow account so far this year ( approximately {$3500.00} ) refunded to me, however, all I have requested from them is to have the {$420.00} escrow waiver fee removed. They refuse to work with me on this and are unwilling to accept responsibility for their mistake.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (DC)

I refinanced m y   XXXX   XXXX   XXXX   XXXX  .T hat was financed with  Automotive Credit Corp  in     XX/XX/XXXX .In  XX/XX/XXXX , I fell  on some hardship after maki ng 26 current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I ma de a payment in   XX/XX/XXXX .T hat was n't updated to the Credit Bureaus that Automotive Credit Corp . reports to.One  of the criteria for Automotive Credit Corp.agreeing to refinance my payment agreement.I had to   make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .Automotive  Credit  Corp.is  reporting my account as a 120 days past due in   XX/XX/XXXX .W hen I made a payment  in  XX/XX/XXXX  as  instructed by Automotive Credit  Corp.which t ook my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual in which the curr  ent st atus is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.Automotive Credit Corp has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as  to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and  XXXX .
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

This the note I sent to the office of US Bank office. This is after being denied access by the representative ***SECOND REQUEST*** ESCALATE TO THE OFFICE OF YOUR PRESIDENT** This is my second request. Please remove a {$36.00} from my account. Also I am requesting that my call to your call center at   XXXX   XXXX  . I was treated horrible by your customer service who placed me on hold several times without any apologies and holds lasting over 5 minutes. I was then transferred to a so call manager when I purposely asked not to transfer me. To top it all off I was transferred to an answering machine not a live person. I am going to contact the media as I was made to feel like the  XXXX  passenger who was dragged through an airplane. In addition the Consumer Financial Protection Bureau will be contacted with an official complaint.
Thank y  ou  XXXX   XXXX
Consumer complaint received 2017-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affiliated Management Services (MO)

XXXX   XXXX  - {$480.00} I was insured during  XXXX    XXXX    XXXX  - {$520.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$650.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$2400.00} I was insured during   XXXX   XXXX   XXXX     Affiliated Management- {$200.00} I was insured during   XXXX   XXXX   XXXX   Affiliated Management- {$120.00} I was insured during   XXXX   XXXX   Affiliated Management- {$240.00} I was insured during   XXXX   XXXX   Affiliated Management- {$530.00} I was insured during   XXXX   XXXX
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC (WI)

I have a  XXXX  credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of   XXXX   XXXX     or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf    XXXX   XXXX    ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  XXXX  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  XXXX  ). Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called Northstar Companies - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  XXXX  rep and they were n't aware of the cos or if the management of my account has been transferred from  XXXX  to Northstar.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written/se nt 3 certified letters to Transunion and   XXXX   on 3 s eparate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my credit report. In my letters, I requested TransUnion and  XXXX  provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have never received any supporting documentation on how they verified and came to this conclusion.  I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my report.
Consumer complaint received 2017-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo keeps on verbally promising and not delivering. Wells Fargo has verbally told me that the short sale was approved, yet I have not received the short sale approval in writing. Wells Fargo  has not provided me with a contact person as required by law. Contact person phone number has been provided but person is unreachable and not returning calls. Please have Wells Fargo Comply  with Law and do what is promised.
Thank You Very Much!
On Behalf   of  XXXX   XXXX
Consumer complaint received 2017-05-04
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: EQUIFAX, INC. (FL)

After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C. (AZ)

Ten years ago I was given a line if credit from XXXX. During phone application process I was told that I can pay extra to have a protection in case I lose employment. So I signed up and was paying for that. After I lost my job I submitted for that protection. They never responded until years later they started garnishing my wages without any notification. They took money for over a year. After that employment ended I did not hear from them. When u obtained employment last year I called them right away. They refuses to speak to me or work with me. I attempted several times. Then they started garnishing my wages again and claiming same amount after they already garnishes couple of thousand few years back. They did not honor protection I was paying for nor did they want to work with me. thank you for any advice.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (OH)

I have a problem with Statebridge Company LLC located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . The issue I am experiencing with Statebridge is that I either do not receive a statement or it is delivered after my payment due date. This problem has been ongoing for over  twelve  months and I have attempted several times to discuss the issue with  Statebridge. Statebridge  continually advises me to use the payment grace period. Statebridge claims that they can not be held responsible for any delays concerning the  Unites States Postal Service. My concern in using the grace period when sending in my payments is that I ha ve less mail dates for said payment to get to Statebridge. If th e USPS  delays the delivery of my payment, Statebridge will certainly hold me responsible for that delay and charge me a late fee. When I suggest making my payment over the phone on the due date,  Statebridge  declines to waive their fee. There is also an extra charge to pay online. I am uncomfortable entrusting Statebridge to use the direct payment option.     I called the Better Business Bureau in  XXXX , CO and they informed me that they have received over    XXXX   co mplaints in 36 months of operation against Statebridge Company  LLC  and that the company has a rating of a " B-. '' There are also currently open complaints. I last spoke to customer service representatives  XXXX  and  XXXX  at  XXXX  on    XXXX   XXXX  , 2017. I call ed back a third time to speak to a supervisor and was put in touch with  XXXX   XXXX   XXXX  at  XXXX     XXXX   XXXX  , 2017   .  XXXX   XXXX  was of no assistance in helping me to make an on time payment without added fees.  XXXX   XXXX  explained to me that the statements get sent out on the  XXXX  of the month and that any delays in delivery was not his company 's problem.     Customer service is not in  Statebridge 's Company LLC mission statement. I want to pay my mortgage on time without added fees. It seems that Statebridge a ctually strives to discourage this. I am a United States  XXXX  veteran who has served my country for over twenty-four years. I do n't want special treatment or anything thing for free. I simply would like to receive my statements in a manner that allows me to pay my mortgage without added fees. I would like to be treated with respect and dignity and to be able to make my house payment on time without added fees.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My client is a   XXXX   XXXX   and can no longer   XXXX   his two story home. He asked us to assist in him in a short sale. His listing agent obtained an offer for {$250000.00} and we submitted it t o SPS  on  XX/XX/XXXX   . On  X/X/17    when I spoke with SPS I was told the value was {$240000.00} and that they would have a decision in 30 days or less. I followed up on  XXXX  and the rep said the value was missing - when I told her it was in and at $  XXXX  she found it. I called on  XXXX  and was told that we need to remove the verbiage HAFA from the HUD and put in the sellers name. I ordered that revision from the title company and submitted the revised HUD via e-mail on   XXXX    . They uploaded it to their system on   XXXX    . I have called every other day since then and am told it will be 30 days from the last date the document was received (  X/XX/17    ). I have tried to escalate the file but management and the Ombudsman department refuse - telling me they are " allowed '' 30 days to review. I understand federal regulations but why HOLD the file for 30 days just due to  one sma ll clerical change on an offer that is {$15000.00} ABOVE value? They continue to hold the file until  X/XX/17   .