davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Asset Agency, Inc. (AL)

I got notification that this collection account was added to my credit report on XX/XX/2022 from Global Asset Agency in the amount of XXXX. I attempted to reach out to the company on XX/XX/XXXX to get information about this debt with the number that was on my credit report which was XXXX. A man answered the phone and stated that this is his personal cell phone not Global Asset Agency. I then attempted to send a verification/debt validation via fedex to this company ( tracking number XXXX ) on XX/XX/2022. It came back as undeliverable to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX address that was on my credit report. I didn't receive any calls or written communication from Global Agency on this account. I finally was able to find a contact number for this account by googling and researching several numbers. I called XXXX and spoke with a guy named XXXX XXXX. I asked him when did he attempt to reach out to me in reference to this debt, and he said sometime around the end of XXXX. He couldn't give me any dates on anything. I never received any mail communications or calls. I also asked him what information did he have on file to validate that I owe this debt, and the only thing he could provide a phone number and address for me. I asked him was there a contract from the alleged original creditor ( XXXX XXXX ) and he said he didn't have it, but would attempt to get it. I asked, how could you attempt to collect or report an account that you can't validate or verify. He began to be very rude, and short with me and then hung up on me. I am very skeptical about this company, because they definitely haven't provided any evidence besides my name and address for this account, and the bank account he provided didn't match mine as well. I told him that I would be filing a complaint, and also disputing this and seeking legal action if they were reporting on an account that doesn't belong to me without sufficient evidences. He claimed that he would email me information and still hasn't. 
The Collection company is Global Asset Agency and their number is XXXX.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: STERLING JEWELERS, INC. (PA)

XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) came to my grandparents ' home saying that I had been sued and that they were trying to serve me. They did not provide any validation notices, etc. They are using deceptive practices and probably engaged in the unauthorized practice of law. Called their offices. They said that this involves Kay Jewelers. I can not believe that Kay Jewelers would use a place that uses these tactics. When told that we would pursue an FDCPA suit, XXXX XXXX at the law firm said sarcastically " Good Luck. '' When asked to leave a message for the identified lawyer, XXXX XXXX, XXXX XXXX said that he probably would n't call back. XXXX XXXX of the same firm said he did n't know who XXXX XXXX was and would not connect me to a supervisor and XXXX said that there were no supervising attorneys to connect me to. It looks from this website that others have had similar experiences with these people. They claimed there was a XXXX XXXX XXXX lawsuit filed against me, but my lawyer has checked the dockets and none have been filed. These people and their tactics should be stopped.
Consumer complaint received 2015-06-09
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Capital Accounts, LLC (NM)

I was contacted by a rep of Capital Accounts at XXXX on XXXX/XXXX/2015. I talked to the rep, told him I was disputing the debt and would be calling the original creditor. I called the XXXX to which the debt pertained and got a recording that they opened at XXXX. I then realized that I was contacted too early and called Capital Accounts back to complain. I informed the rep that he contacted me too early and that it was an FDCPA violation and he asked what law he broke. I told him " FDCPA, fair dept collections practices Act '' he then said there was no such law. I informed him there was and he was in violation and asked for a supervisor. I then spoke with a supervisor, XXXX XXXX, who did not apologize or acknowledge that my rights had been violated. He told me that I was in central time zone. I told him that I was in mountain that my address and phone number, though different states, are XXXX from mountain time zone. I asked for another person above him to speak with and he said they would call me back. When I did not receive a callback I contacted them again to write a written complaint and asked for their company information. I specifically asked for their company name, phone number, address, and website. The rep told me she could not give me that information and would transfer me to a supervisor during which time I was hung up on. I called back again to get the information and the rep refused to give me the information as the original creditor had already contacted them and there was no longer a debt to dispute. I told him I was not disputing the debt I wanted his companies contact info. After repeated requests he finally gave me the info. When I asked how to Spell Capital he laughed at me and said with a C. At this point I was at my whits end and I did inform him that capital is spelled capital or XXXX and I did curse at him due to my frustration. I have recorded all of these conversations is they would be of use during this investigation.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MD)

I WOULD LIKE TO WHY TD BANK IS RESTRICTING AND THREATING TO CLOSE MY ACCOUNTS.I WOULD LIKE TO KNOW THE REASON WHY.I HAVE A RIGHT TO KNOW WHY ACCOUNT IS BEING CLOSED OR BEING THREATENED TO BE CLOSED. 

I WILL BE FILING A FEDERAL CLASS ACTION LAWSUIT BECAUSE OF THIS MATTER. 
I WILL BE FILING A LAWSUIT BECAUSE TD BANKING PRACTICES ARE UNETHICAL MANIPULTIVE AND DECIEVING. 

DUE TO THE MY ACCOUNTS BEING RESTRICTED.I WAS UNABLE TO TRAVEL TO FLORIDA AND BUY THINGS NEEDED FOR DAILY LIVING ... ..THIS IS VERY STRESSFUL AND DEPRESSING.I AM CONSIDERING THIS DISCRIMINATION.WHAT DID I DO TO GET MY ACCOUNTS RESTRICTED AND THREATHENING TO BE CLOSED. 

I WOULD LIKE AN EXPLANATION TD BANK IS NOT AMERICA 'S MOST CONVENIENT BANK. 
THEY MAKE VERY INCONVIENIENT FOR THE CUSTOMER. 
I WILL SEE THEM IN COURT, I WOULD TO BE COMPENSATED FOR THIS MISERY
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

I applied american express platinum credit card on XXXX XXXX 2016 for an offer which is XXXX reward points after spent {$3000.00} in first 3 months, which I did and received the XXXX reward points on XXXX XXXX. On XXXX XXXX, I converted my AMX platinum credit card to the AMX green card. When I was doing the conversion, the representative never told me the change would lead to the disappearance of the XXXX reward points. I actually asked the presentative, if I would still keep the points if I do the change, and he told me yes, my rewards points will be safe. Recently, I just noticed that my reward points in my account is gone. On XXXX XXXX, they took away XXXX reward points which I earned with no question. 
First, I met all the requirement for obtaining the XXXX reward points. No question about that. I will attach a summary of my card activity. 
Second, when I was doing the conversion from platinum to green card, I was never told this change will make the XXXX points gone. If I was aware of that, I would never conduct the conversion. 
All in all, I just feel it 's extremely unfair that AMX just took away XXXX points from me for nothing I did wrong.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Sullivan Asset Management, LLC (LA)

XXXX XXXX of XXXX calling me daily and calling my relatives and threating me with supenoeas and legal action about a past debt. They have called me and my relatives mutlitples times. They need to stop and just send me complete documentation of the debt and what i owe.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

Southeast Toyota Finance has been contacting me about a deceased friend 's account and presumed debt. They had a representative hand deliver a letter to the former address of the deceased and I allowed the rep to photo copy his death certificate which was given to me as friend/informant since there are no living relatives. The rep told me that I would no longer be contacted. Two weeks later, I keep getting calls which I do not answer from SETF. I have asked them to stop. As a matter of fact, they never leave an extension number. So I will assume this is fraudulent activity. The deceased was XXXX years old. The deceased friend left no estate and I am not an executor as such. I never signed a lease or a contract with this company.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a loan Modification 6 years ago & was granted a Trial Modification I made all the trial Payments & was denied the Permanent modification  by Wells Fargo Stating th at I apply again & again I have applied 6 times but to no avail, They tried t o Foreclosed & the Court denied  the request, My Interest rate is 7.5 % & they refused to lower the Interest rate & using 7.5 % & each time I can not qualify as the rate is too high, Never once reducing the rate to make qualification possible, We are in Court & the Judge issued a Court Order on  XXXX   XXXX   2017 sta ting that I apply again & submit another Modification Package be  XXXX   XXXX     2017, I   ca lled Wells fargo I was  informed that under no circumstances will be granted another Modification period,  Inspite iof the Court  Order I have sent Faxes & called yet I can not get to submit the New Modification Package as required by the Court.
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

A couple of days ago I got a notice from Chase Bank that the terms of my agreement had changed and that I now needed to make monthly interest payments on my balance. I transferred about half of my balance on a XXXX credit card in XXXX with the understanding that there would be no interest payments due for 15 months. This is how the SLATE credit card is advertised even today as my attachment shows.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (DC)

Since I opened a XXXX XXXX XXXX credit card with Synchrony Bank, I have had nothing but problems with the " Reward Dollars '', which are the credits that you receive when you purchase items from XXXX XXXX XXXX. Every single month, Synchrony has either not given me the correct number of reward dollars I am due or not given me any of the reward dollars I am due. Each month, I call and complain and they eventually recognize the mistake, though it takes " an investigation '' and an additional billing cycle for them to correct it. 

This month, on XXXX, I spent {$1000.00} and should have received the usual 10 % in rewards ( {$100.00} ). I received no rewards for this purchase ( the statement says something about this purchase being a " deferred interest '' purchase but I have no idea what that means, as I did not ask for any special payment terms at the time of the purchase and I paid the balance in full the day I received the statement. ) On XXXX, I spent {$53.00} during a " double points '' weekend and should have received a {$10.00} in rewards points. I received only half of these reward points. In total, I should have received {$110.00} points this month ( {$100.00} plus {$10.00} ). I received {$5.00}. When I called, Synchrony, once again, recognized the mistake but said I had to wait another billing cycle to have it corrected.

To make matters worse, the rewards " balance '' total on the statement doesn't align with the rewards balance on the home page. The statement shows a prior balance of {$11.00} then adds the ( incorrect ) {$5.00} earned this month for a new rewards total of {$16.00}. However, my account on the web page shows a " previous reward balance of {$16.00} + {$5.00} earned this period ( I have no idea where this comes from ) - {$20.00} reward certificate ( which was never issued to me ) for a balance of {$2.00}. None of this makes any sense.

I have had credit cards for thirty years and have never had problems like this. It seems to me that this is their business model- to have a flawed/confusing reward system in the hopes that a large portion of people will not notice or will not take the time to have it corrected. It is not rocket science to have rewards accurately reflected on statements or, at worst, corrected in real time.
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. 
Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. 
I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (LA)

Someone used my debit card number, not the actual card to rent a car and said they had my permission which they did not. I do not know the person. I filed a dispute with JP Morgan Chase which they applied a temporary credit for XXXX there were multiple charges ) they later reversed some of the credits. the total was over {$10000.00}. They told me XXXX had sent them paper work with someone elses name and my debit card number ( not through a POS ) and this constituted proof that I gave the unknown individual permission. This is " under investigation '' with XXXX now.
Consumer complaint received 2016-03-11
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (GA)

Within the Summer of XXXX, I went into the US Bank, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and closed both of my checking and savings accounts with US Bank. I received a statement for XXXX XXXX to XXXX XXXX, XXXX, which indicated that I had a {$0.00} balance within my savings account. 

Much later on, I received a statement for the period of XXXX XXXX, XXXX through XXXX XXXX, XXXX, that I was charged a " Monthly Maintenance Fee '' of {$4.00} on XXXX XXXX. 

A letter, which was dated on XXXX XXXX, XXXX was received and indicated, " This letter is to notify you ... your account has been overdrawn for XXXX consecutive business days. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Another letter was received, which was dated on XXXX XXXX, XXXX. The letter stated that " This serves as a final notice regarding the overdrawn balance in your account. Our records indicate that your account has remained delinquent for 20 business days. If your account remains overdrawn, your account will be closed by the Bank and your account will be transferred to U.S. Bank 's Recovery Department where further collection attempts will be made. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Today, which was XXXX XXXX, XXXX, I called US Bank at XXXX. The male individual indicated that he would not be able to assist us, since the account has been closed for more than 3 months. He redirected us to the " Collections '' department. Then we spoke with XXXX who rudely indicated that she could not help us and that we needed to speak with the branch that closed our account, and to speak with a branch manager or banker, but not a teller. 

We immediately called the US Bank branch where we closed the account, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We asked to speak with a branch manager. XXXX stated that the branch manager was not there. We mentioned that we could speak with a banker as well, so XXXX proceeded. XXXX indicated that we needed to contact the " XXXX '' number because she did not have access to our files. We stated that we have already called them, and she said in an extremely rude, condescending tone, " Why did you wait so long to follow up? '' In response, I rudely stated, " Why did you charge me? '' and my significant other stated, " We did n't know. '' A bit later on, I just hung up.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I submitted a complaint to US Bank on XXXX XXXX 2016. I purchased the replacement of my cell phones. They were n't done satisfactorily my XXXX touch no longer worked the brightness was n't correct etc. I contacted US Bank to initiate the dispute after my appeals to the company went unanswered. US Bank initiated the dispute and on XXXX I received a letter ( attached ) requesting more details. I submitted the appropriate documentation approx XXXX. 

On XXXX I noticed a suspicious transaction on my account for XXXX. The description only listed " Forced ACH Debit '' upon contact US bank they indicated they had denied my claim because it was n't a duplicate charge. Upon speaking with the bank they indicated they were treating the transaction as if it was duplicated, which is contrary to what the letter I received indicates ( Quality of Service ). During my conversation it was discovered they had n't received all the documents and failed to perform any follow up or resolution. They treated the transaction as a duplicate and on XXXX I received XXXX overdraft charges for XXXX a piece. I immediately called the bank and explained that this was n't correct. The representative was immediately condescending and rude indicating that the investagation was completed and they would n't refund the amounts. I indicated that the investigation was done wrong and that it was n't treated as a quality of service claim. When I asked for a Manager i was immediately hung up on.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (GA)

Re : Request for Investigation/ Debt Validation Request XXXX XXXX Bank XXXX Account # XXXX Sold to Asset Acceptance LLC - No Address on FileATTN : Asset Acceptance LLC / Federal Trade Commission / XXXX XXXX Bank XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX Bank XXXX ) for Disputed Billing Charges and Billing Errors in XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via XXXX mail at the address listed above. 
Since Asset Acceptance have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC., of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
Consumer complaint received 2021-06-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (MD)

I have been a customer of XXXX for the last 15 years. Also, Since I move to another location the service has become poor. I have a complaint about it for the last two years, but the company couldn't fix the problem. Then, I stopped using the service in XX/XX/XXXX. They bill me the wrong amount which is a total of {$100.00} dollars. I did not agree with them. They send to a collection agency to collect the money. The collection agency called Maury COBB Attorney at Law threatened me to report to a credit bureau. Now, my credit score report is down by 70 points in XX/XX/XXXX.