davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-20
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On  XXXX   XXXX , I notice Bank of America charged me {$1000.00} again on my credit card. I thought this issue was resolved. I lifted the stop payment on check #  XXXX  so Bank of America can cash the check. Unfortunately they keep charging me with {$1000.00} every time I speak to them. I never get anywhere with them. They dance around the issue when I asked what happened to my money. They do n't want to admit wrong doing.     On  XXXX   XXXX , I spoke with  XXXX . He started to laugh at me instead of trying to resolve the problem. I spoke with his manager,  XXXX . He said I need to lift the stop payment. I asked him to repeat that it. He refused because he did not want me to know how to handle the issue.     They sent a general letter to me but DID NOT ADDRESS the issue. Bank of America did not resolve the issue. Bank of America said they did not do anything wrong. I disagree. I paid another {$840.00}. plus change to ease my credit card. They stole my money and refuse to give it bank.
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (SC)

NCB Management Services , Inc is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (MA)

At XXXX Eastern on XX/XX/2024, I received a call from someone claiming to be from AWA . The caller ID was ( XXXX ) XXXX. He refused to tell me what AWA stood for until I confirmed my name ( which was my maiden name XXXX XXXX XXXX ). Isnt it illegal that he refused to identify himself properly upon request? 

Then he said that he was with XXXX XXXX XXXX XXXX, and that I had a debt in excess of {$4000.00} with XXXX XXXX XXXX. 

As I have never had any interaction with XXXX XXXX XXXX, this is not my debt. The attitude of the person on the phone is more troubling, though, beginning with his refusal to identify himself properly and demanding my personal information before doing so. This made me very suspicious, and his combative attitude made things even worse, especially coming from a company that calls itself a Compassionate Collector With Exceptional Results on its website. 

I called the number on the website to report the call and gave the caller ID number to them. They said theyd look into it, but I do not have much confidence that they will, so I want to make sure that my complaint is on record.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (MI)

i've been locked out of my Robinhood account for a while. Today i attempted to sign on and follow the instructions off the web " How Do I contact Robin support '' would not let me, IMPOSSIBLE!!. I tried to go through the APP as instructed, ABSOLUTELY NOT able to complete. Sends you in a loop.!! I signed in with my whole soc security number. they scanned my face, and i took a pic of front and back of driver ; s licence. I attempted to reach out through a chat. absouly a no go. The system just takes you in a loop, demanding the same info. Then I look up phone numberXXXX The phone number listed from the web, and guest what? Its telling you that this is the only number you can reach us by and to only contact them via Chat or through the App. and I cant contact them with any. Its a big loop. PLease help I am loosing my mind with the lack of customer service that help special situations. 
it instructs you to
Consumer complaint received 2018-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I am very frustrated with navient, I spoke with a rep about a year ago that informed me that what I owed is actually in the 60k range and that the over 90k I owe is 30k plus of accrued interest from forebearences I was consistantly encouraged to do and never warned that it could result in such tremendous compounding interest. I feel scammed and lost all interest in paying navient a single dime.
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (NC)

I received a " Limited Time Offer '' letter ( attached ) dated XXXX/XXXX/2016 stating that they were willing to settle my debt of {$2500.00} for {$1500.00} if that amount was received no later than XXXX/XXXX/2016. XXXX payments were made to the agency totaling {$200.00} between XXXX and XXXX. On XXXX/XXXX/2016 I called to make the remainder of the settlement amount of {$1300.00} but they would not accept it as payment in full. They stated that the {$200.00} in payments did not count towards the offer amount. I feel that this is a total misrepresentation and is not what the letter stated or implied. No where in the letter does it state that any payments made in this period would not be applied to the settlement amount offered. Please investigate these false statements and what I consider to be unfair practices against the consumer.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

This debt was a XXXX bill that was paid when I transferred service to my current phone provider. I advised Midland Funding to verify this but got no response. I also have been harrassed about this debt outside of FDCPA guidelines.
Consumer complaint received 2022-08-09
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. (PA)

To whom this may concern, I've recently noticed fraudulent activity on my credit reports ( XXXX, Transunion XXXX XXXX ). What has been reported, has led me to believe that I may be a victim of identity theft, as I did not approve nor authorize any information to be used in my name, social security, and/ or attending any college/ University, etc. I am requesting that this fraudulent item be deleted from my credit report at your earliest convenience. I've placed a security freeze on my credit which should alert me proper to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my relationship with numerous creditors, as I am in the process of buying a car. I have reported the theft of my identity to the Federal Trade Commission and would this item to be removed from my credit report immediately. Please review the enclosed copy of the Federal Trade Commission affidavit regarding this fraudulent account. Thank you!!
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I am writing to your agency because I am very upset the way my credit card company ( Capital One ) handled my claim. I disputed the charges of {$780.00} on XXXX/XXXX/2016, {$59.00} on XXXX/XXXX/2016 and {$59.00} on XXXX/XXXX/2016 made by this fraudulent company called XXXX on my card on XXXX/XXXX/2016. These company called me and the representative was very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Capital One denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America intentionally kept me from being proactive and getting a mortgage modification. I was denied until I went into foreclosure. After that Bank of America sold my mortgage to XXXX loan company.. As I was in negation for a modification from them BOA took me to court to foreclose on the property they sold to XXXX. They sent me a letter after the act asking me to forgive them of prejudice.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (SC)

The company,  XXXX   XXXX   XXXX   XXXX , Fl. reported on my personal   XXXX   credit report  XXXX  a placement for collection by  XXXX , account #  XXXX .  ( cr edit report pages are attached ). I mailed a letter dated  XXXX   XXXX   2017  ( which is attached ) stating that I DID NOT RECEIVE a letter for 30 day notification to have an attempt to dispute this debt before reporting to credit agency.  XXXX  is in violation Fair Credit Reporting Act for failure to do so and m y credit score dr opped  XXXX  points ( the damage ), I further followed up with a phone call to them and spoke with  XXXX   XXXX , and  XXXX  who could not locate the account information.. I then called back again and spoke to  XXXX , who said she located the account and would send me copies of the letter from  XXXX  and their " 30 day letter, WHICH I HAVE NOT RECEIVED as of today  XXXX / XXXX / 17 . This debt needs to be removed from my credit bureau agencies, since SR violated the law.
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/2017, I transferred {$5500.00} to my spouse 's Roth IRA accounts from checking. During the transfer, final step, the site crashed. I relogged in, as far as I can tell, the site showed that transfer did not take place. I again made the transfer, 2nd time. Note that during the transfer, it specifically ask for the contribution amount and the year. Had it gone through, I figured ( wrongly ) it would prompt me that this has already taken place for the current year and maximum has been reached ... 
The next day, I learned that the transfer occurred twice. Brining my checking balance {$5500.00} below what I had anticipated. I knew this was going to be a problem because I have several auto-payments pending. I called the bank on a Friday and the banker said the balance would be reversed on Monday. The following week, no reversal. I called again and after multiple transfers ( again ), I was told that I need to fill out a form and fax it. I hung up. Drove to the bank in person and asked the banker to reverse the transaction. Incredulously, he too got on the phone, went through multiple people and said that I needed to fill out a form and fax it ... I finally got a form over a week later and faxed the form. I spoke with a Manager on the phone and was told that it will be funded within 2 days and overdraft fee ( XXXX/XXXX/17 ) on my credit card account will be reversed ( incurred due to 2nd {$5500.00} removal in checking account ). He promised that he would call me if there was any problem. No call. A week later, I called and spoke with various manager about the situation and finally added additional information to the form ( source of the hold up - despite WF having this vary information ). 

Because I could not trust WF to do their part, I made a deposit of {$500.00} on XXXX and {$3000.00} on XXXX. This was a huge financial disruption! 

I specifically asked the Banker for a call from WF Management. No call but my checking account was finally funded on XXXX/XXXX/2017. 
The overdraft fee of ( {$12.00} + {$0.00} interest charge on cash advance ) still has not been removed. 

Dealing with WF for any problems, it 's not possible to talk to the same person resolving your problem - therefore there is no accountability. No-email nor direct lines. They wo n't even give out their full name. WF requires any forms to be faxed. You can e-mail me a form but I have to Fax it ... I 've refaxed other documents multiple times and have given up trying to contact you about it ... The only response I get is " we do not have it '' please re-fax even though I had your WF office do it, again.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation (NM)

sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all 3 credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then 2 additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

My house is in foreclosure, and I have someone who 's willing to pay off the entire balance cash. I asked Greentree for a payoff amount mid XXXX 2015. They said fax would be 24-48 hours and snail mail would be 5-7 business days. I opted for both. 3 days later I called and was told it takes 7-10 days for fax and 7-10 business days for snail mail. I waited, called back XXXX XXXX, 2015 and was told I was denied but a second request was put in on XXXX XXXX. Why was n't I informed and why is this something I need to qualify for?
Consumer complaint received 2015-05-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (DC)

XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX. 
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ). 
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you. 


XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX
Consumer complaint received 2015-11-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I signed a loan with Nissan Motors. I have not had a problem with this loan until recently. Unfortunately i had a total loss. However i was smart and purchased GAP. Since XXXX/XXXX/15 ive been trying to work with NIssan to get the loan taken care of. I have paid my account like always and i have been working with GAP to get their check issued out for the loan. This has been stressful. I have spoken to several customer service representative and customer relations and have been hung up on told different answers, have been talked to in a poor manner tranfered back into the call que. Also i have filed a XXXX complaint but the coropartion has failed to respond or do anything or even acknowledge the complaint. I have been trying to get copies of the warranty cancellation policy checks so i can sent to GAp so they can redo their portion due to the fact they under estimate what i would get back on the poiicies. I have called daily trying to get it resolved no one has helped and they are very rude. I think its sad that they cant even respond to a XXXX complaint. In the mean time another month has passed and i am now due for a payment when GAP has been trying to pay but due to the negligence of NIssan i am forced to pay even thoughi havent had to car in two months and im trying to resolve the issue. I just need some help i feel discouraged and stressed out.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a Bank of America customers for years. I have personal checking and business checking account with Bank Of America. It is the first bank I opened when I came to USA and that I dont want to loose. 
Due to misunderstanding of agreement between you and me. I made a mistake by placing third party personal checks to business account. I was using my business account at XXXX bank for these purposes and I did not have any issues with them so far. I thought the agreement same as for XXXX. By the way, if I committed the fraud, I would be complaining and writing this statement, all actions were done because owners of checks had no way to cash it in their home country - XXXX, they asked me to do so. I have their authorization letters, copy of passport. 
Now XXXX is closing my both personal and business accounts. 
My impressions with Bank of America is associated with my impressions of USA, since it is the first bank I opened in the USA. I do not want to loose those impressions, please do not take them from me.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (MD)

I applied for a chase freedom credit card ( about 6 months ago ) under a promotion where they were offering a {$200.00} bonus if you spent {$500.00} or more within the first 3 months. I fullfilled my obligation for receiving the {$200.00} bonus, however, Chase refuses to give me the full bonus. They say the {$200.00} promotion was no longer valid, even though the {$200.00} promotion was still available online and at no point when I opened the account did they tell me the promotion was invalid or had expired. I have tried to resolve the issue with Chase by sending them XXXX letters ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ), along with a copy of the promotion I applied to. I feel Chase should honor the promotion I applied to and credit my account the remaining {$100.00} bonus it owes me.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

THIS IS REALLY FRUSTRATING ME!! This claim of inquiry is as of yet without testimonial physical confirmation of adequately lawfully achieved permissible purpose from anyone adequately identified as EXACTLY me and or from anyone authorized to yield permissible purpose for me. It is my belief that it can not and or will not be certificated, as requisite by federal laws, with PHYSICAL DOCUMENT EVIDENCE that any such accusation of attempted or achieved application for credit or otherwise was made by me, with my knowledge, and or with my consent or that of anyone authorized to do so for me. It is my consumer rights to do so, and I am now and here in composition executing the rights to forcibly compel you to factually demonstrate every and one even each any and all of the mandated and or provided proofs that indeed I or my authorized agent truly, accurately, timely, and compliantly consented to this inquiry. I do so in light of at least the federal laws including the XXXX enacted XXXX compliance regulations, FCRA Section 609, FCRA Section 605, in accordance to FCRA 1681 ( b ) ( e ) as well as the accuracy of this inquiry via FCRA Section 623.As you know, allegations due to subterfuge is illegal and unauthorized. DELETE TODAY, even right NOW and right HERE SINCE YOU CAN NOT or WILL NOT be able to present Verified Validating Evidence by physically giving the certificate of the TRUTH, ACCURACY, COMPLETENESS, and or COMPLIANCE within the OBLIGATORY FEDERALLY DEFINED TIMELY manner to every and one even each any and or all of the aspects or articles of this claim including but NOT limited to all notations, dates, identities, the 426 character P6 statement ( s ), minimal five ( 5 ) portioned Personal Identifiers,386 pieces of Confirmation, any and one Alpha-/ Numeric-/ and or Alphanumeric Source Code ( s ), whether mentioned or not.
Consumer complaint received 2022-09-06
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8200.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.