davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service (DE)

I have an Army/Air Force Exchange Service ( AAFES ) credit account that was charged off in XXXX. The only statement I have received with this account was this past XXXX. The charge off amount was {$9200.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$2700.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$3300.00}. However, in the statement I received just prior to filing my XXXX tax return stated that there was a total due of {$8300.00} and showed interest charged. It also stated that the account was now being handled by XXXX, a debt collector. With both my XXXX and XXXX tax returns paying the account, the total that should be remaining is {$3100.00}. I just received an updated statement showing a payment of {$3300.00}, which is {$17.00} less than what was garnished from my taxes leaving a balance of {$5000.00}. I contacted the company collections department and was told that they can and will continue to charge interest even though they sold the account to a debt collector. Furthermore, she tried telling me that as of XXXX, my debt balance was supposedly {$18000.00}. First this was never notified to me. Second, if there have only been two payments, my federal tax return totaling {$6000.00}, how can they try to claim I still owe {$5000.00} yet claim my balance in XXXX was {$18000.00}. They are fraudulently trying to collect {$1900.00} more than what should be remaining on my account.
Consumer complaint received 2016-04-09
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CO)

I purchased a service from them for XXXX, it did not work. I requested my money be returned. The wrong amount of money was credited to my account {$500.00} to much I was to send the excess back to them. Which I did by Western Union, tracking Number available. The amount that was returned my account was no longer in my account. This happened two more times. Their excuse was that I had used Western Union and should have used XXXX XXXX. I did used XXXX the last two times. So I have sent a total of XXXX dollar to them and the {$890.00} that was originally charger to accredit cardis being disupted.
Consumer complaint received 2016-04-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Clear Debt Solutions, LLC (TX)

I have a delinquent loan with XXXX XXXX XXXX. A company called CDR has been trying to collect on that loan. I contacted my Bankruptcy attorney who told me they are a SCAM company and the only thing to do is contact the FTC and file a complaint. their phone number is XXXX and his extension is XXXX and goes by the name of XXXX. Also contacted my brother and has all my personal information. Please stop this person, he tries to bully to get me to pay, even after I gave my attorneys contact info, he wad irate.
Consumer complaint received 2015-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc. (NJ)

Received notice that XXXX XXXX XXXX NY XXXX NJ had XXXX violations for {$8.00} each. I have had XXXX Pass for over 10 years with auto payment on my CC. I have NOT received any violation notices XXXX in YEARS as I take the bus into NY every day AND my XXXX pass is on Autopay. If I had received any violation, I would have filled out the bottom to show I have an active XXXX Pass account. 

I have called Alliance One to get copies of these violations. No response at ALL. Alliance One is charging a {$50.00} fee per violation. Now there is a {$110.00} bill for something that is Autopay and I got no notices of violations in YEARS. I want copies of these violations NOT just numbers.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I reviewed a copy of my credit reports and found that there was an incorrect account on my reports. I contacted the company, Portfolio Recovery, to dispute the debt and asked that they provide me with a debt validation letter. They have not not provided me with sufficient proof that I owe this debt, except copies of bills from the company that sold this debt to them. I asked for the contract specifically bearing my signature, and Identification used to open this account. None of this was provided and they fail to remove this incorrect account from my credit reports. This incorrect account has caused me and my family much grief. I can not purchase my 1st home for myself and my family because of this error.
Consumer complaint received 2015-03-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ERC (OR)

I received a collection notice from a company called " Enhanced Recovery Company LLC '' stating that I have an unpaid balance with XXXX XXXX XXXX in the amount of {$98.00}. I called XXXX XXXX XXXX customer Service and they have no record of any out-standing debt in my name. I have n't had any XXXX XXXX XXXX service for the past seven years.
Consumer complaint received 2015-07-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

For about a year now, I continue to recieve multiple telephone calls on a daily basis from Portfolio Recovery seeking persons that I do not know, that I have no affiliation with, and nor do they live at my residence. I have informed Portfolio Recovery numerous times that they have the wrong number, and perhaps the people they are attempting to contact had this telephone number before myself. However, I continue to recieve multiple daily calls from this company. At one point someone also called me on my cell phone asking for the same persons, and also provided me with sensitive information about the person to whom they are seeking.
Consumer complaint received 2016-03-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (IL)

I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options?
Consumer complaint received 2015-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MO)

I opened an account at PNC Bank several months ago, and at the time was told that if I established a regular direct deposit, I could avoid the monthly service charge. However, while trying to setup XXXX XXXX, I discovered that I was being charged {$25.00} each month. At that point, I explained to the service person ( XXXX XXXX ) on the phone that this was not what I was sold initially, and she mentioned that that I actually needed to keep a minimum balance of {$500.00} to avoid the fee. Therefore, and in order to continue to incur charges, I asked for my bank account to be closed. However, I was put on hold literally for 49 minutes as the bank representative was trying to close the account. Then, the bank representative came back, and informed me that she needed to escalate the issue to the Retail Escalation Division ( XXXX XXXX ), since apparently she was unable to close the account. Bottom-line I believe that the bank representative was giving me the run around, and hoping that I hang up without closing the account. Finally, and 68 minutes into this call, I told the bank representative that I was going to hand up, and expected the account to be close immediately.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

So I owe about XXXX in federal loans I have been off of work for over 2 years got pregnant and was placed on bed rest because I carry my babies pretty low. Then I called Niviant witch is the company that handles my loan to get on an agreement but thay only offered me one way out and that was to pay {$590.00} for a year and reapply for the same program every year because im out of work I dont have {$590.00} to pay them I asked if there was any other option but unfortunately thay couldnt help me any further so now im place on default. Ive been calling different places to get some answers my school ( XXXX ) closed down due to fraud and I thought my student loans could be forgiving but because my school closed after I graduated I didnt qualify for forgiveness either. Im out of options is there anyway I can get some type of help for people struggling on paying there loans? Thank you so much for your time. 
XXXXXXXXXXXX
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

On XXXX-23 submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX-23, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX-2023 there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I have a 15 year term 4 % simple interest mortgage loan with Citizens Bank that initiated XX/XX/XXXX. I always paid the monthly loan payments early, frequently by more than a week or so. Until XX/XX/XXXX, the bank provided payment coupons that did not itemize how the payment was applied- interest vs principal. This year, Citizens Bank began providing monthly statements providing a breakdown of interest vs principal. Recently, I happened to review and calculate the bank 's breakdown of interest vs principal on a current monthly statement. I found that the bank had erroneously calculated the breakdown, applying more of the payment to interest ( about {$40.00} or so if my recollection is accurate ) and a correspondingly lesser amount to principal, thus erroneouly overstating the principal balance due after payment was applied. I then went back and reviewed the other statements for this year and found that they all contained erroneous calculations of interest. I contacted the bank, and was told by a representative to " put a sticky note '' on the statement when paying, disputing their calculation. Finding this resolution unacceptable, I asked to speak with a supervisor. A supervisor reviewed the statement and had no explanation for the improper calculations of interest vs principal. I asked for a review of my account and that the bank send me a print out of my payments and their calculations. Because this is a " simple interest '' mortgage product, the fact that I would always pay the mortgage payment early, usually substantially so, would result in a payoff sooner than 180 months. It appears that Citizens Bank has been recalculating the interest/principal apportionment to insure that the final payment is not reached until the full 180 month term. I have not received the promised follow up by the bank. I would very much appreciate your investigatingthe bank 's activity re account. In a follow up communication, I can scan in and provide you with copies of the erroneous statements. Citizens Bank 's conduct appears unfair, deceptive and abusive and a violation of the Act. Thank you for whatever assistance you can provide.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Williams & Fudge, Inc (OH)

I continue to receive correspondence surrounding this account and my attorney has advised me to submit a request for this to be reflected accurately within the credit agencies. This was discharged with a bankruptcy in XXXX 2014. I have attempted to contact this collector and have sent copies of the documentation presented here ; however, there has been no response. Therefore, I am seeking assistance with resolving this matter with the hopes that a formal complaint will initiate this correction.
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had about {$5.00} remaining in an old bank account I was not using. Another company extracted an {$8.00} payment from that account because they had the account information from 2 years ago and I did not realized that the credit card I had been using for auto pay for an $ 8 monthly payment had just expired. Low and behold, my + {$5.00} turned into {$160.00} of Citizen 's Bank charges. They charged me XXXX {$35.00} charges in overdraft fees and another XXXX {$7.00} charges over the course of the next 20 days. When I finally received my hard copy of the charges in the mail, I contacted XXXX and they said they 'd refund me {$35.00} but thats all they could do. Crooks!!! Stole {$120.00} from me because their policy allowed and INSTRUCTS them to do it! Never again!
Consumer complaint received 2015-07-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

This company does not show up in the California Business Oversight as having the legal right to charge a usury interest rate of over 1000 % to persons in the state of California or elsewhere. I received an undated letter from them on XXXX/XXXX/2015 claiming to turn this illegal account over to a collection agency IF I did not pay this illegal account # XXXX.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (GA)

My original debt was with XXXX, who sold the collection to XXXX XXXX XXXX. In XX/XX/XXXX XXXX contacted me with a settlement offer, which I accepted and paid in the amount of {$3400.00}. The item was listed on my credit as paid and I thought this was over. One year later, I got a letter by mail from D & A Services stating that I owe them {$2300.00}. I called the company numerous times and sent in all verification that was asked, yet they have refused to correct this item, and are advising me to contact XXXX, although D & A is the company that has listed a new debt on my credit. I do not know where else to go with this, this company has ruined my credit at a time where I am in the process of trying to purchase a home, and refuses to correct their actions. This item was paid since XXXX of XXXX, is listed on my credit as paid, and here they come with a new collection attempt. This is very deceptive and a practice that I wanted to bring to the attention of the Federal Government.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — Store credit 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: Experian Information Solutions Inc. (NY)

XXXX XXXX  slanders and harasses me over a {$1400.00} bill that isn't mine! Refuses to remove from my credit report. I didn't use the account they billed me during the time I was billed and no longer lived at that address I didn't ever get a bill in the mail because I wasn't using that name or address or account and didn't realize it was still open! A person shouldn't get harassed everyday in their car by a group of men who slander and tell everyone they need " taken care of '' for a credit bill of {$1400.00} that is being disputed. I don't need taken care of, I'm a independent woman on my own paying my bills for 17 years!!!! I didn't know there was a bill until it appeared on my credit report!!!!!!!!! Even if it was my bill, which it isn't, I don't have to pay a company that slanders me defames me and XXXX harasses me over a {$1400.00} bill. Who the XXXX XXXX XXXX XXXX XXXX XXXX * do you think you are?????? I don't need a man, I don't need a boyfriend, I don't need other people, what I need is for you to stop sending loan sharks to harass me in my car!!!!!!!!!!!!!!!!
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have numerous inquiries on my credit report only because capital one pre approval stated that I was approved.Capital one wanted me to send in documents to confirm my identity and I did.im stuck with hard inquiries and points being taken off my credit score and no credit card.Um trying to build credit but capital one misled me by telling me I was approved but later stated that my documents were not.i don't understand.I did finally get an approval for a card XX/XX/XXXX but the card never came.I want all of the hard inquiries from capital one removed and I can apply for a card with a genuine and honest company.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (GA)

I currently have a XXXX mortgage on my primary residence located in XXXX Ga. my current loan servicer is Ditech. I have been contacted both by phone and overnight priority written correspondence that my loan is eligible for the Presidents HARP refinance package as my loan has been current for the past 3 years but with some late fees on it. I went over this several times with various loan officers from both Ditech and the previous servicer which was Greentree Servicing. I was told that I am not eligible due to credit issues which arose during an illness that began over 2 years ago and I am still dealing with today. My understanding is that with the Presidents latest package is that there are no income or credit requirements and no appraisal is needed. I do have some credit issues but I do not have the cash necessary to pay these off as I have excessive medical expenses at the present time. I do not understand why I would not be eligible for assistance under President Obama ; s plan since I apparently meet all the criteria. any assistance that your office can provide would be appreciated. thank you
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting bankruptcy on my credit file. Both XXXX  and TransUnion as of recently investigated based on their records for their investigation and sent out the request to the data furnisher, but the data furnisher didnt respond within the certain time period. Both XXXX  and TransUnion proceeded to send out a letter stating Bankruptcy verified or updated letter.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (TX)

regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Have XXXX on my credit report there is no XXXX in my area, plus have not had cable for almost 2 years. Was not me. Have been a victim of identity theft in the before, might be related. Person who stole my identity was prosecuted. Please remove from my credit report.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After checking my credit report today I notice a bunch of unauthorized Inquries. 

XXXX XXXXXXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

In XX/XX/2022 I submitted a form for my XXXX XXXX XXXX  payments to be taken every 2 weeks instead of every month. I also requested ont he same for for an additional {$50.00} to be taken every 2 weeks. 
I spoke to a customer service rep for The Money Source mid XXXX who assured me that the form I submitted would go into effect XX/XX/2022. 
This did not occur. On XX/XX/2022 I call The Money Source and I was told that no one looked at the form I submitted. They then told me I had to pay a month in advance which I did alsong with an extra {$100.00} as an extra principal payment. I was told that the form would be processed by the end of the business day and I would get a call back. 
This did not happen, but they did take the extra money. 
On the XXXX XX/XX/2022 I called again and was told again no one looked at the form.But i was assured it would be taken care of by the end of the business day on the XXXX. 
This did not happen. 
I lodged a written complaint to the company via email on Monday XXXX XXXX and have had no response to my written complaint. 
I initial and spoke to a customer service rep on XXXX XXXX who gave me the same spiel don't worry it will be fixed by the end on the day on the XXXX and it is still not fixed.I have spent about 6 hours since XX/XX/XXXX on the phone with customer service, their supervisors and I still have not had the issue rectified. They XXXX very quick to take an extra payment but not delivering on service. I feel like they deceived me by telling me I needed to pay an additional month and then didn't care to implement the form I sent them. 
I have been told by the company there are no extra fees or charges involved in paying every 2 weeks. I feel like they don't want to implement their own form because they would be losing in interest over the 30 year loan.