davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
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: AMERICAN EXPRESS COMPANY (FL)

I have XXXX  in points with American Express.I called them to ask what I had to do to get reimbursed for airfare.They told me to just charge it to my card and then call them back for credit.At the time I was told that my points would easily cover the airfare of $ XXXXMy airfare was booked through a travel agent/ tour operator called XXXX.I called Amex and it was very difficult to get to the right person and was told that because XXXX included my airfare in with the tour package I could not get credit as the amount was over what my points would cover.So I had XXXX reissue the airfare amount as a separate charge.So today XX/XX/18 I recalled Amex to get credit.After a few very tedious conversations I was told that my points would not cover even the {$6700.00} which I was told a few months ago it would.First of all they do not clearly disclose the value of these points.Searching on the internet it said the points are worth 1.8 % which would give me about {$10000.00} in value.I was told by Amex that the XXXX points would not even cover the $ XXXX.The reason is they discriminate against how you purchase the airfare by valuing reservations made by Amex more then other agencies.So the Amex user is disadvantaged by using a travel service other then Amex when it comes to rewards points.Of course this was not disclosed to me when I initially called them to ask for guidance.Amex has a complicated set of poorly disclosed rules set up to restrict rewards redemptions.Just a horrible customer experience for anyone.One would think that a 40+ year customer who has charged millions of dollars would get better treatment.
Consumer complaint received 2020-06-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Hi SPS informed me that they will not delete the fees of {$990.00}. It is not interest or principal. It is a fee that XXXX  had on it books for a foreclosure case that was dismissed .see attached. IF it was dismissed they are not entitled to any fees because the loan documents XXXX can only collect fees if they were the prevailing party. XXXX sold the loan to SPS. For many years XXXX never collected this fee. The statute of limitations to collect his fee has expired. Moreover, the attorney for XXXX  AT THAT TIME WAS CONVICTED FOR FRAUD. XXXX CAN XXXX XXXX XXXX XXXX .his FEES WERE OUTRAGEOUS. Neither SPS OR XXXX   CAN PROVE WHY THEY are entitled to to the {$990.00}. 
Please help!!! 
Thank you. 
XXXX XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- MAILING ADDRESS XXXX NY XXXX
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (SD)

This company harassed my neighbor for me to call them back. No idea who they are and when I tried to call and get information, they wanted my Social Security number. I asked what kind of company they are and they wouldnt even say that. Hung up and blocked numbers after that. Im guessing some type of harassing debt collector. They did not attempt to call me directly and told my neighbor that she is my contact person, which is false since I dont even know her number or last name. 

They called from 2 separate numbers and she blocked them on her phone. 

XXXX XXXX
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (SC)

on XX/XX/XXXX I purchased a new car. During this process I found out that I had a 30 and 60 day late payment to Prime lending. I have evidence of payments sent to prime lending on time each month. After the XX/XX/XXXX payment received communication that XXXX was now prime lending. upon reentering my online information I had an incorrect account number listed. I found this out with help from XXXX. I immediately contacted prime lending and explained the issue at which time I made the offer to pay in full all monies in arrears at that time. I was told that I could not until the issue was cleared up internally. Apparently when they receive money to an erroneous account it goes into some type of holding account. I then asked what is the process to release the money and I was told finance has to process this. It then took weeks to resolve a laboriously slow process. During this time because I could not make them whole which I did voluntarily admitting my mistake with the account number entry in XX/XX/XXXX my account became 30 then 60 days late. 
this has affected my credit as to the point I can not get a mortgage right now and have just lost the chance to buy a home here in South Carolina. I made payments in good faith that they received and have bank statements that prove that. Right now I have these late payments on my credit report along with a " Dispute '', not totally clear on that, however I want this removed from my credit report as I 1 ) made payments that they received on time and 2 ) once discovering my issue I offered to make them whole and they refused payment.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that wasused to verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible.Thank You
Consumer complaint received 2016-06-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: P.S.C., Inc (WA)

Puget Sound Collections ( PSC ) is attempting to collect a debt that is invalid and previously paid. I have offered on numerous occasions to settle this alleged debt despite previously believing and now knowing that the balance had been previously paid. PSC has reported this alleged debt to the credit reporting agencies and caused me economic harm. Attached is a letter from them, a letter from the original creditor, a letter I sent them explaining how this has been paid and supporting bank statements. PSC has engaged in a pattern of deceptive behavior when I have attempted to ask them for validation of the debt they have sent me a multitude of conflicting account numbers and inaccurate service dates. I believe that they have not attempted to validate any of the debts as they are legally obligated to do so. Further, they have previously regened on promises to myself to remove this from my credit report, another practice that seems to be happening repeatedly. I believe they are engaging in a pattern of abusive practices as evidenced from complaints at the better business bureau. 

PSC has also previously offered to settle this matter with me for full payment and agreed to remove it from my credit report while on the phone with XXXX. She additionally stated they would send me a letter to the same effect and never did. When I called in subsequent to that they have told me that " its against office policy '' to remove entries from people 's credit reports. This same kind of behavior and worse is easily found on the XXXX for this business. This company is an example of the worst behaviors of debt collection agencies.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ORG GC GP BUYER, LLC (KY)

Some company called saying they were GC Services. They did not identify themselves as a debt collector which is a flagrant violation of the FDCPA. Instead they were trying to misrepresent who they were, and not immediately state that they were a debt collector. I have no idea why they would call me. I don't owe any alleged debt.
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (AL)

My husband and my daughter both had to have XXXX  around the same time one was emergency and the other was planned, with that being said I missed time from work and so did my husband and we got a little behind. I borrowed {$500.00} from them I have been paying {$80.00} per week for approximately 8 weeks already in which I thought originally my payments would be every 2 weeks so I asked them if I can do a payment arrangement to pay it off seeing how I probably already paid back over what I borrowed, They said NO payment arrangments can be made in any circumstances I would have to let it go as a non payment, well I have overdraft protection on my account so the bank will pay it anyway and charge me the fees because of this I have fees on my acct un warranted and it putting me in more debt and all I was trying to do initially is make an affordable arrangement.

this is what they email me weekly below : Dear XXXX : Your scheduled payment of {$80.00} will be processed Friday XX/XX/2018 for loan number XXXX.

Your payment will be applied as follows : Principal : {$50.00} Advance Fee : {$0.00} Interest : {$30.00} NSF : {$0.00} Total Payment : {$80.00} To select a different payment option, please go to XXXX XXXX XXXX and log in as a " Returning Customer. '' Then select the option that works best for you.

Depending on your bank, it may take three to five days for this transaction to appear on your bank statement. You can check your loan status at any time by visiting XXXX and log in as a " Returning Customer. '' Your confirmation number is XXXX.

Thank you for choosing XXXX XXXX. We appreciate your on time payment.

The XXXX XXXXe Team XXXX XXXX
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

I am reporting the illegal practice and false collection practices of XXXX XXXX. They have reported and refuse to remove two collections off my credit report. One was for {$93.00} reported XX/XX/XXXX and the other was for {$45.00} reported XX/XX/XXXX. Payment was made to the original medical facility, XXXX XXXX XXXX in full. XXXX, the billing manager for XXXX XXXX XXXX have sent many emails and phone calls to XXXX to stop the collections and false reporting and to have them cease and send back all collections under my name back to them. Till this day, those collections are still on my credit reports. I am still getting collection statements from them as recent as today XX/XX/XXXX with fraudulent amounts and illegal harassment. I do not owe any amount to XXXX and XXXX XXXX XXXX ( the original creditor ) have acknowledged this. I respectively ask that these erroneous charges be removed from my credit report and ask that they cease sending me fraudulent statements trying to collect on amount that i do not owe. I need this done ASAP, as XXXX XXXX is doing illegal collecting and reporting practices.
Consumer complaint received 2019-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

On XX/XX/XXXX I requested cancellation of PMI ( I called several times within the last 2 years to request but was told I was not allowed to request this ). This time I stated by law that I was allowed to request cancellation. I received my denial letter, but I have read the homeowners protection act, and I don't feel that legally they should be allowed to continue to force me to pay PMI. I was first time homebuyer, and I assumed that it would go away once I reached below 80 %. 

My home is valued at {$150000.00} by the county and my principal unpaid balance is {$59000.00}, and I have been below the 80 % for quite some time. I have looked into refinancing my home, but the interest rates have risen, and combined with closing costs, this would cost more than continuing to pay PMI for the life of the loan. 

Everyone I have spoken with regarding this had never heard of PMI for the life of the loan, and I feel this should have been disclosed to me at closing, but was not.
Consumer complaint received 2020-06-24
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. (CA)

Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Equifax does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax claim  to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I recieved a check in the amount of {$2100.00} from XXXX XXXX  for my wedding dress. I took this cashier check to my bank, JP Morgan Chase. I gave the check to the bank teller and she deposited the check into my savings account. Chase approved {$100.00} until they could prove the check was cleared and had funds. On XX/XX/XXXX the remainder of the check was deposited into my savings account. XXXX XXXX told me he was in New York in XXXX XXXX training and is having a moving company pick up the dress. We had agreed that he was going to send me enough money to cover the dress plus the shipping fee. XXXX XXXX   told me it would cost {$1500.00} to ship the dress but he would let me keep {$50.00} extra since I had to send the dress. I wire XXXX XXXX  {$1400.00} total to pay for shipping using XXXX   to XXXX. On XX/XX/XXXX I realized my account with Chase had been emptied, both my savings and checking. I went to Chase Bank as soon as I realized this and they told me that they had closed both of my accounts and that I could never bank with Chase again. The check that XXXX XXXX had sent to me was a fake check. When I ask why they approved the check on XX/XX/XXXX they had no answers for me. I had around {$1600.00} in my account and I have lost all of it. Chase told me I am also responsible for the insufficient funds of {$580.00}. I have spoke with several different people and they all tell me the same thing. I ask why its my fault for depositing a fake check if they couldn't even tell it was fake, NO answer has been given, Since then I have filed a police report with my local police station.
Consumer complaint received 2015-09-10
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IN)

XXXX used wester union online services to transfer XXXX $ to my overseas bank account with XXXX bank XXXX. I did the transaction on XXXX XXXX 2015. The money has not reached my bank account in XXXX till now. I have already escalated this issue with Western Union on XXXX XXXX 2015. 
Since then i have been calling western union customer care and they have always given false status and have been transferring my call to various departments, they have also told me that money will be refunded to my account but have not refunded till now. 
I have been harrased by there operators for hours during the call. They even hang up on me various times and have kept transferring my call to various departments who have no clue about the issue. Till today alsowhen i called them they told me that it has been transferred and when i reported its not there then they told me that they will have to escalate the issue and it will take XXXX business days.They are not even telling me the status and holding up my money. 

Please find the transaction details : western union online id : XXXXXXXXXXXX number ( MTCN ) : XXXX I am attaching the statement of XXXX bank for XXXX which shows that money has not been transferred till now. The statement is password protected and the password to open is : XXXX.
Consumer complaint received 2018-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My home equity line with Bank of America has turned into the payback period and the payment went from $ XXXXmo to $ XXXXmo. I applied for their modification program and was rejected and told that the reason was because my payments weren't late even though the new payment is a burden. 
In XXXX of this year I went into a Bank of America Branch to make a payment that was due on the XXXX on the XXXX The rep checked with the collection department to make sure I was not 30 days late ... The rep in the collections that the payment is not considered 30 days late until after the month changes even if that means 34 days when the due date is the XXXX. 
With that information I made my payments after the XXXX of each month but before the first. 
Now I find out that in XXXX they reported me as a 30 day late. 

Also the payments I was making included what I was being told was a late fee of about $ XXXXmo. But that was not being applied to the late fee but to mortgage so the late fee was increasing each month. 
When I called to discuss that I was told that If I did not pay the late fee I would not be reported as 30 days late and asked the individual who I spoke with in collections that If I subtract the late fee from the amount due I would be fine. 
Then again the misinformation that I was giving by the collection department resulted in me being told my payment was insufficient and because of that I would be considered 30 days late in XXXX. 
I could neither resolve any of this with Bank of America or the credit bureau. 

I want these lates removed from my credit report so that I can refinance into a new heloc that is affordable. 
Because of this charade my credit score has dropped to the low XXXX 's The on-line banking summary section is very confusing concerning late fees and amounts due
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Good morning, My wife and I went in to XXXX XXXX, XXXX Of XXXX XXXX XXXX in XXXX, SC looking to buy a car the sales person keep us there for 3 hour, running hard inquires one after all the time telling us we had the car after 3 hour and 27 hard inquires they told us we could not buy this car. they ran 27 hard inquiries in 3 hour and my credit was greatly impacted. Can you please get them to remove these inquiries its cause my family a lot of problems thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX
Consumer complaint received 2021-02-09
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: WELLS FARGO & COMPANY (CO)

In XX/XX/XXXX I contacted XXXX to correct a negative payment history on a credit card with Wells Fargo from XX/XX/XXXX. I provided the following information. 

In XX/XX/XXXX I was XXXX when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

XXXX  closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from Wells Fargo. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If XXXX or Wells Fargo had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that XXXX actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this dispute.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Few years ago I opened a checking account and after three days they closed my account. 
Now I am applying again but i got rejected right away. 
No information was relayed on the reason why. 
I know I complained before about my social security number being mixed with my father because of the same first and last name. 
I think they are punishing me for this complaint before. 
I think it is unfair and discriminatory on their part.