davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My XXXX XXXX XXXX township taxes were due on XXXX/XXXX/2015 according to the tax bill dated XXXX/XXXX/2015. Up to this date the bill has not been paid from my escrow account. On XXXX XXXX I called Ditech and I was advised to send a request via fax with the tax bill to their " tax research '' department. I was advised that within 10 business days I will have a resolution. Nothing has been communicated to me, so on XXXX XXXX I called again where I was told that the tax bill has still not been paid, however they could n't tell me why. I requested for the request to be escalated and I was told that in 3 business days I will have a resolution. I also requested to talk to the supervisor where XXXX assured me that he will personally follow up to ensure that the bill is paid. On XXXX XXXX, XXXX called, telling me that he does n't have an update, and that hopefully by Monday he can give on update. Today, Monday XXXX XXXX, I am being told that payment was fedex-ed to the township on XXXX XXXX. I called my township, where they stated that Ditech requested a tax certification ( which the township provided ) and that the payment was still not received. This is beyond frustrating and no one at the costumer service line can tell me why the payment is not being made.
Consumer complaint received 2015-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Case number : XXXX recently submitted a complaint about Bank of America in regard to my mortgage loan. I received a phone call from Bank of America when I was at work and when I was explaining to the lady that she can call me after XXXX EST, she said her office hours were until XXXX, pacific time, and that she could not call me and started threaten me to take some exaction. I interrupted her to explain my situation, but she hung up the phone on me before I finished explaining. As far as I know, she could call me when I was at home because she would still be working when I get back home. I ca n't provide security information on the phone form my job because I do n't have a private office. In less than a week I have received XXXX letters concerning the foreclosure issue, which in my dictionary that constitute harassment. 

I still receiving letters every day about foreclosure when my account is up to date. I just posted my current month payment from my bank because I ca n't even access my Bank of America account online to see any information at all. 

Then bank has closed any accessibility I have to my mortgage and is harassing me, and threatening me of losing my house which I am not going to take lightly. I ask this agency to please help me regain my peace of mind, taking care of this nasty corporation that does not help clients at all.
Consumer complaint received 2015-12-26
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: Lending Club Corp (TN)

I did a pay off of {$9000.00} on Lending Club as of XXXX, 2015. The account is closed and the amount paid, was accepted as payment in full by the company. They have refused to acknowledge my request for a letter documenting this as well as updating my credit reports.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (VA)

Westlake is showing incorrect data on my credit profile. The account is paid in full but is showing different balances on two different credit bureaus. I am trying to purchase and home and because of the incorrect data reflecting on the credit bureaus from Westlake I am unable to get my mortgage.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (FL)

We have been under contract since XXXX/XXXX/XXXX. Today is our closing date and the lender has sent the following response, '' Good evening, Based on what the coordinator and I talked about earlier tonight, the delay is on Wyndham Capital. There is no issue whatsoever with the borrower 's qualifications. The loan has been conditionally approved, with the XXXX conditions being an updated asset statement ( showing the funds from the sale of their previous home ) as well as an updated Social Security Authorization disclosure. Wyndham will be reimbursing the borrower for the delay and we apologize for the unnecessary stress for all parties. '' The lender is now asking for a closing date of XXXX/XXXX/XXXX. The borrower is homeless with pets and all of her items are being driven to Florida on XXXX with nowhere to go. The seller will be incurring a cost of another month of paying the mortgage. The lender is now asking for purchase price, XXXX addendum, and other items that were sent to their office on XXXX. We still do not have a result of what has happened. They stated that they were aware of TRID guidelines however ; they failed to reach out to the borrower in sufficient time to prevent her homelessness and other catastrophes regarding the buyer and seller. Please let us know if you are able to contact this company in regards to their carelessness with the lending process.
Consumer complaint received 2024-10-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (IL)

I am writing to report a fraudulent XXXXXXXX XXXX  account that has been opened in my name, without my authorization or knowledge. I have recently discovered a cable bill associated with this account, which details services I did not sign up for at my address. 

Please contact me at XXXX to discuss this issue further.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I have NEVER attended the University XXXX XXXX .... Fraudulent student admissions practices.
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Regarding Violations of My Rights by National Recovery Agency under Applicable Laws Dear CFPB, I am writing to formally file a complaint against National Recovery Agency for what I believe are multiple violations of my rights under federal regulations and statutes related to debt collection practices. Specifically, the actions taken by National Recovery Agency infringe upon the following provisions : Violation of 12 CFR 1006.34 ( b ) ( 5 ) This regulation requires that any written or electronic communication include clear identification of the creditor and the current balance of the debt. National Recovery Agency has failed to provide accurate and complete information regarding the debt, which has caused confusion and interfered with my ability to resolve this matter appropriately.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) According to this provision, collection notices must contain clear disclosures, including the right of the consumer to dispute the debt within a specified time frame. The collection notices I have received from National Recovery Agency did not adequately inform me of my right to dispute the debt, preventing me from taking necessary actions to protect my interests.

Violation of 12 CFR 1006.34 ( d ) Under this section, debt collectors are obligated to send a validation notice within five days of initial communication. National Recovery Agency has failed to send this required validation notice, thereby denying me the opportunity to verify the legitimacy of the alleged debt and make informed decisions.

Violation of 15 USC 1681-S 2 ( 7 ) ( A ) This section of the Fair Credit Reporting Act ( FCRA ) mandates that furnishers of information, such as collection agencies, ensure the accuracy of the information they provide to credit reporting agencies. I believe National Recovery Agency has furnished inaccurate information to the credit bureaus without properly investigating my disputes, causing harm to my credit profile and violating my rights under this law.

As a result of these violations, I have experienced undue stress, potential damage to my credit standing, and interference with my ability to exercise my legal rights. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that National Recovery Agency complies with the applicable laws. 

I look forward to your prompt attention to this complaint. Please feel free to contact me if you require any additional information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (IL)

I Called American Express to confirm that an {$85.00} charge for a XXXX Precheck fee would be covered as a perk and credited back to my account. I was told by a representative that answered their XXXX number on the back of my credit card that the charge would be credited as this was a perk of my Platinum Optima card. I made this call because it was n't clear from their website which cards were included in this perk. After receiving my bill with the {$85.00} charge and no credit I called again to ask when I could expect the credit. I was told to wait a week or so while a supervisor investigates my claim. About a week later I received a voicemail from the supervisor stating that there was no record of my original call and therefore I would not receive my credit since I was incorrectly told it was covered on my card. I immediately call and talked to XXXX XXXX ID # XXXX. He also stated that due to no record they would do nothing to credit my account. I made this purchase on this card based on the fact the I confirmed with AMEX that it would be a credited charge. I did not dream or imagine that this call happened, and while I wo n't profess to understand how their call log system works, I talked to a live AMEX rep, was put on hold while she confirmed the perk with her supervisor, and was then told that the charge would be credited and to go ahead with the charge. I have been a perfect customer for years and am livid that AMEX would not stand behind what its representative say, and that they would expect a good customer to pay for a failure on their end. While I 'm sure their systems are generally accurate, their failure to record my first communication with them, and their denial of it happening, is essentially the same as calling me a liar and holding me accountable to pay for their mistake, which I refuse to do.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has not refunded my security deposit. I closed my account in good standing and with a XXXX balance weeks ago. Capital one is dragging their feet, basically holding my security deposit hostage for absolutely XXXX reason. I have XXXX dollars that they took out of my account in a matter of hours, but when it comes time to return the money ... ..they take weeks. Absolutely unacceptable. I feel capital one is attempting to punish me for closing my account and taking my business elsewhere. This is a violation of my rights as a consumer and also illegal. Please refund my deposit immediately.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Firstsource Business Process Services, LLC (CA)

This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen lied!, I sent you how the mess up you are, They have a report on them thru Forida, a payoff toXXXX XXXX.If thats is what they due, well think about, does it go higher to the requators, that report to the attorney general.Ocwen has XXXX XXXX of assets out thier, no wonder all the lawsiuitsare letting them off the of, imagine all of this and thier senior loans can perhaps bring us to a nother ression, Dear XXXX, i hope they have not gotten to the regulators which l eads to the attorney general, I left out a lot of complaints on them.i love my country, please if you can pass this to the powers to be, but be really careful for they have intwinded us to a ression, I learned something today, they hold You!!!!!! by the strings/To you Ocwen, i made a mistake, i will now take names and IDs and notes on you.by the way my first complaint on you was to show how messed up you are!!!!!!!!!!!!!!!!!!!!!!! Now go live with yourself/ToAll Employess, would you finance with Ocwen??????????????
Consumer complaint received 2015-11-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

With the change to the chip readers, customers who have chips in their debit cards are n't allowed to use a pin in our chip reader pin pads. In trying to determine why this is, I have learned a few things ... 
I called my bank to ask that I be allowed to opt to use the PIN when making debit card purchases, and the representative with whom I spoke referred to her guidebook and said that it is the terminal that determines how the card is processed. Our processor, XXXX XXXX, says that it is the card that determines this. I believe the latter is the case from what I have experienced firsthand. 
My XXXX, when I activated it, asked that I set a PIN. When I tried using it in the terminal at work, IT PROMPTED ME TO INPUT MY PIN. When I called XXXX XXXX yesterday, I was told that they have not issued Chip and PIN cards in the US, only Chip and Sign cards. When I said that I 'd rather have a PIN to avoid fraud in the first place and make my card truly secure, I was told that Fraud is covered 100 % and not to worry ... How stupid is that? 
My work XXXX cards have chips and I called to ask to set a PIN with both of them. The woman with whom I spoke was happy to help and it took a minute to set the PIN. Trouble is, the cards Chip and Sign cards and the PIN will only work in ATMs, which is n't what my goal was. 
In the meantime, XXXX and XXXX are earning extra fees for running the cards on their networks rather than on the debit networks. The debit companies are losing out, but more importantly, the merchants are suffering most in having to pay higher fees for the transactions. 
So much for the Dodd Frank Wall Street Reforms pertaining to debit cards. 
I plan to call the issuers and demand Chip and Pin cards, but XXXX XXXX did n't seem too interested in my request yesterday. Can you help?
Consumer complaint received 2016-01-11
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had both a checking account and a money market account with Huntington Bank. I transferred the money from my money market to my checking account and then wrote a check in order to move the money to another bank with higher interest rates in XX/XX/XXXX. I then requested that the accounts be closed. My checking account got closed out but the money market was left open. In XX/XX/XXXX I was charged a $ 20 monthly maintenance fee. I spoke with a man on the phone who said he would take care of the fee and have the account closed. However, I was charged another maintenance fee in XXXX and then I was charged XXXX extended overdraft fees of {$25.00} each in XX/XX/XXXX. Someone from Huntington called me and I explained things and they stated they needed to talk to their supervisor. I never received a call back. I called Huntington on XXXX/XXXX/XXXX and spoke with Customer Service. They said they would file a complaint for me and someone would return my call within 15 minutes, but that I needed to call on Monday and talk with an Account Closure rep. No one ever called me back. I called on Monday XXXX/XXXX/XXXX and the man I spoke with was n't able to help. I asked for a supervisor and after waiting 20 minutes on hold, a supervisor who would only give the name of XXXX, said she could n't help me - I needed to be transferred to customer service!! 
I said I would not be put back on hold and requested a call back. She said this was not possible. I was not able to hold any longer. Obviously, I just keep getting a big run around. I want my account closed out and all these erroneous fees removed. I also want to be sure that nothing is reported to a credit bureau
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2015 I contacted via phone Experian regarding a current address in XXXX, XXXX they are reporting as mine on my credit report. Experian would not let me dispute this via mail or online. I have never been to XXXX, let alone lived there. The customer service person told me that despite the fact that the address when googled is that of a law firm, they can not delete this false information. The Experian rep told me I would " have to contact XXXX XXXX to request removal of this address because they are the ones reporting this information. '' This is not my job to contact XXXX XXXX with such requests. It is Experian 's job to verify this information. I have lived at the same address in XXXX, XXXX for over 10 years and vehemently deny that I have ever lived in XXXX, XXXX.
Consumer complaint received 2015-07-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied my car own through XXXX XXXX dealer in XXXX XXXX XXXX, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is XXXX. 
There are XXXX problems. First of all, my dealer XXXX XXXX who charged me more without my awareness. My loan amount should be XXXX, but it became {$15000.00}. ( The finance guy who worked for XXXX XXXX put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM from the Priority who admitted their fault and refund {$1300.00} to me. ( I think Capital one should return me the interest has generated from this extra charge. Because i should only pay the interest from the amount ( {$13000.00} ) i had borrowed ) Second, Capital One gave me an unfair interest rate. I checked rate from XXXX XXXX in XXXX XXXX, they gave me 4 % interest rate. However, when I went to Priority dealer, they used Capital one as their loan service. Capital one gave me 6.45 % apr. When I signed my paper with Finance Guy, I thought this loan amount {$15000.00} has included the interests for 5 years and the principle amount. ) I want Capital one re-evaluate my credit score and gave me a fair interest rate.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding placed a collection account on my credit report and has not contacted me in order to give me the right to dispute or ask for verification of this debt. This is supposed to be done within 5 days of initial communication ( placing this on my credit report is them beginning collection on this supposed debt and is the communication ).
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am writing to submit a complaint about unfair credit practices by Toyota Financial Services ( TFS ). I have tried XXXX times, unsuccessfully, to resolve the matter with TFS and am submitting this complaint. 

TFS has filed derogatory and incorrect information on my credit report XXXX. TFS claims that my payment history is " XXXX, XXXX and XXXX, '' whatever that means. I *think* they are saying I had late payments, but even asking for clarification on what that means was met with resistance from TFS. In fact, when I questioned the meaning of that phrase, they took it to mean that I was acknowledging it was correct ( see the XXXX set of correspondence to understand what I mean ). 

The payment history TFS placed on my credit file is incorrect. TFS never XXXX sent me a letter stating my account was late. TFS made absolutely no attempt to cure any debt with me, until XX/XX/XXXX 2014 when I finally received notice from a collection agency that there was a due amount. When I contacted TFS, they removed the collection and accepted payment. They never, EVER, contacted me to inform me there was any late payment. ALL payment to this account was made under the terms of agreement with TFS and with XXXX persons on the loan. 

To summarize : TFS made XXXX attempt to notify me of any payment XXXX XXXX ) due. To claim now that there were late payments is simply incorrect and now they are damaging me credit. I have maintained a perfect credit rating my entire adult life ( almost XXXX years ) and am baffled as to why TFS is trying to XXXX over. 

I am attaching all correspondence between myself and TFS. 

I request that TFS remove all derogatory information on my credit report/profile. I was never late with payments and am being treated with disrespect. 

Best, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX