davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Avant Credit Corporation (NC)

There was a loan taken in my name from a company called Avant which I had no knowledge of or received money from. A company called XXXX bought the loan from them and originally called me in XX/XX/XXXX through XXXX, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from AVANT or XXXX. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX who attempts to collect money on behalf of XXXX XXXX, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what AVANT requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from AVANT or XXXX. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
Consumer complaint received 2017-03-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Gordon, Aylworth & Tami, P.C. (OR)

Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year or two ago they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $ 3000+ of it which seems more than fair in my opinion. However they are still asking for $ 4000+, 200 % of the debt.
Consumer complaint received 2016-12-10
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

WAMU had steered my mother and sister toward an unwanted second round of risky, toxic mortgages, incentivized by larger branch bonuses, relieving both women of their available Heloc capital. Chase now servicing those loans, and profiting from such, refuses after numerous attempts, to explain where the money went even after providing them the HUD docs with circled values. I was told " We will not speak to that at all ''. Chase attempts to tell us that these loans were originated in good faith in the face of the CFPB 's own rules for preventing Originators from Steering Consumers into Risky Mortgages. 
Mother and sister were targeted - a second round of risky mortgages were pushed upon them, thus relieving them of their available Heloc capital, Chase is profiting from servicing these loans, and they will not address on any level the numbers in the HUD documents. These loans were NOT executed in good faith at all as per what Chase is claiming.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (WA)

I have a closed account with Chase which I have recently paid off completely as of XX/XX/2016. The remaining balance at the last statement date was {$20.00}. I paid {$21.00} on XX/XX/XXXX and had a credit balance of {$0.00}. On XX/XX/XXXX, Chase issued a " debit adjustment '' and removed the {$0.00} from my account. When I called today and asked why they did this and why a check for this amount had not been issued to me, the representative said that Chase routinely does debit adjustments to accounts with credit balances of {$1.00} or less. I wanted to flag this for you because on an aggregate level, this must represent a very large amount of money that Chase is in essence stealing from customers. 
I was never contacted by Chase, either by an account notification, an email or a telephone call prior to the " debit adjustment '' occurring on my account.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have previously submitted a complaint against Bank of America ( Case number : XXXX ) in XXXX, 2016. I had received notice that the company would resolve the issue and did not dispute their response right away. I have been unable to navigate a response on the previous complaint number XXXX and have been unable to reply to the emails. This complaint is in regards to Bank of America 's failure to adhere to their proposed resolution of removing the escrow charges from my payment despite my compliance in paying the escrow balance to XXXX. Bank of America has filed a notice of Default and Intent to Accelerate, it has aggressively made harassing collection calls, and continues to assess escrow on my mortgage payment nearly doubling the original payment. I have written to Bank of America at various departments explaining that the agreement was to have the escrow ( which was wrongfully assessed ) removed once I repaid the escrow amount they never should have paid, having done so in violation of a legally binding agreement we had signed with the XXXX County Tax authority which Bank of America was provided with notice of. I have written to a consumer division of BOA regarding the proper payment with no prompt response. My XXXX payment is already late and I want to pay the original and correct amount as agreed to, however BOA refuses to reduce the amount they claim is owed. My credit has already suffered due to BOA actions in increasing my original payment of {$480.00} to {$1000.00} and now {$860.00}. We took a huge financial loss in trying to pay these excessive amounts and now that we have paid the escrow to a XXXX balance they maintain that I am liable for the improperly imposed escrow. Time is of the essence since the taxes will be due for 2016 within 30 days and if they wrongfully pay these again they will insist that we repay them with doubling our mortgage payment. If allowed to pay ourselves as legally entitled, my husband is a XXXX vet and over the age of XXXX and is entitled to make payments to the county in a more affordable payment plan. BOA is attempting to further violate our rights by imposing yet once again an improper escrow in order to force us to pay double our initial mortgage. I am unable to send any supporting documents via this system so I will send a follow up correspondence with copies of all my correspondence to Bank of America..
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Gurstel Law Firm, P.C. (AZ)

I received a Student Credit Card XXXX when I had turned XXXX and at that time attended XXXX University in XXXX as a full-time student and working only part-time and XXXX XXXX knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX XXXX full-time while working only part-time until XX/XX/XXXX when I relocated to Arizona for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told XXXX XXXX this at the time. Never got a response. To date, I had never received any correspondence from XXXX XXXX other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from Gurstel Chargo Attorneys at Law threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. XXXX XXXX has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel XXXX along with their attorneys Gurstel Chargo of XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. XXXX XXXX has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

I have a Macy 's credit card, which I rarely use. As of XX/XX/2016, I had a {$0.00} balance and have not made any purchases on the card after that point. Earlier this week, I tried to make a purchase on my Macy 's credit card but was told by the store clerk that my card had been declined. When I got home, I logged onto my online Macy 's credit card account to figure out why my card had been declined. I discovered that Macy 's had been charging me a " {$2.00} minimum interest charge '' on a monthly basis since XX/XX/2016, and that, as a result, I had a {$6.00} past due balance. I ran some searches online and it appears that this has been happening to many other people who have a {$0.00} balance on ( and do not regularly use XXXX their Macy 's credit cards. I sent a message to customer service, since it 's almost impossible to get anyone on the phone. I asked customer service to ( XXXX ) explain the charge and ( XXXX ) remove the {$6.00} from my account. I have not yet heard back. I believe this is credit card fraud.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Adverse Accounts all have last payment and or activity date of XX/XX/XXXX therefore should have been removed as of XX/XX/XXXX. Trans Union refuses to act as a neutral party and instead is acting as a representative of Creditors by refusing to request that creditor provide documentation to support their claims during an investigative dispute all while expecting the consumer to do so. Trans Union refuses to remove accounts which are seven years past first delinquency because creditor disagrees with my dispute while providing no documentation to support their claim. The last activity and or payment dates are were XX/XX/XXXX. According to Trans Union 's website stating the following : " Collection accounts : seven years after the first delinquency Late payments : seven years from the first late payment, even if you 've caught up and the account is current or closed '' Adverse Accounts are as follows : XXXX Date of last payment/activity incorrect for all above account should be XX/XX/XXXX
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (IL)

Signed up for Synchrony Bank credit card from XXXX XXXX, as a promotion, and after setting up Auto Pay, they disabled it, claiming it was n't a valid checking account, and made no effort to report an error and instead sent it to collections. Spoke on the phone and told me their policy is to not make any calls to account holders. Only way I knew of the error was from their next months statement saying I have n't been paying. Their system has changed other info as well. Went onto their site and upon logging in, I had to supply them with my email, claiming they did not have one on file. They clearly had it to send me my statements. Got nowhere over the phone. I have the name and employee ID of the woman I spoke with that I can supply.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (DE)

Dear Consumer Financial Protection Bureau, cc : FTC This company canceled my credit card for no reason. They then continued to bill me fees on a closed account. Also, unknown to me at the time, added these bogus fees to my credit report. I paid their bogus and illegal charges and had it removed from my credit file. Today I receive yet another bill from Continental Finance ( Verve Card ) which includes more fees and interest charges from a card they closed and I verbally called to make sure it was closed after their last illegal stint. This is a nightmare! I do NOT owe this company anything. I cut up the card months ago after it was initially closed. This company is defrauding consumers and needs to be held accountable for these illegal business practices.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

Citibank had a promotion offer for getting XXXX dollars after opening the checking account, deposit XXXX dollars within the first month and keep the account for another 2 months. I opened the account on XXXX XXXX through the phone, I gave them the bank information that I want to transfer the money out and they sent me some documents to sign for opening the account which also included the bank information for transferring money from my other bank to citibank. I signed all the documents and sent them back to citi immediately, but they never processed my documents and they never initiated my deposit into citibank. It was XXXX XXXX that I realized I never received my debit card, which is a proof that they never processed my documents. I called citi again and asked why they never sent me the debit card and initiated the deposit, and the representative told me it was their mistakes. I asked her if I was still qualified for the XXXX dollars promotion and she said I did because it was their mistake, she also promised me that she will put a note under my account saying that it was their mistake that made me miss the XXXX month deadline and I was still qualified for the promotion. So I asked her if she needed the bank information to transfer the money out into Citi and she said she had all the information she needed and there is no need for me to provide anything else. So I asked her to initiate the deposit into citibank and sent me the debit card. She did it immediately and the money was transferred to Citi the next day. She also sent my debit card by overnight shipping that I was able to get my debit card the next day as well. After three months, I did n't receive my bonus. I called citibank several times explaining my situation to several different representatives, they were able to pull out my files and saw that everything I talekd to them was correct My debit card was never sent to me, my deposit was never initiated because of their mistakes, so they created XXXX consecutive investigations for me. But everytime I got the result back, it was the same reason, I did n't deposit within the first month of the account opening. Since I gave citi all the bank information that they needed to get the money from another bank when I opened the account through the phone, and I also sent back those documents through the mail, it was citi 's mistake that they never processed my deposit request and the representative I talked to on XXXX XXXX also promised me that I will get the promotion, otherwise, I would n't continue deposit the money and put it in there for more than three months.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

On XXXX/XXXX/XXXX I mailed via CERTIFIED mail, the XXXX XXXX mortgage payment of {$990.00} to Ditech for loan number XXXX ( Addressed to : Ditech, XXXX XXXX, XXXX Ca. XXXX ) It arrived on XXXX/XXXX/XXXX and no one signed for it, it was returned to XXXX and then sent back to Ditech, it arrived on XXXX/XXXX/XXXX and no one signed for it. I called Ditech on XXXX/XXXX/XXXX after I discovered both payment we had sent via certified mail had not been signed for, XXXX ( ext XXXX ) could not say why. I went online and paid for XXXX mortgae, but as I am in a almost 2 year dispute with this loan ( They say the loan has a {$290.00} back owing, but they have never been able to point to where this originates from, and I have paid in full cancelled checks for every mortgage payment ), so she told me to hold on paying this XXXX and she would call me back. On XXXX/XXXX/XXXX I received a statement that says I owe {$3000.00} with {$700.00} in suspense, I tried to go online and make a {$990.00} payment for XXXX, but the electronic payment amount is prefilled in as {$1900.00} and will not allow a lesser payment, so it does not allow you to use the " Funds in Suspense ''. I called and left a voice mail for XXXX, who has never called me back. I also now have a late fee for the XXXX payment they refused to sign for. I do not owe anything but the XXXX XXXX payment as of this date AND that is ONLY because they did not sign for the certified mail. They have NEVER been able to explain where the {$290.00} originated from.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Opportunity Financial, LLC (UT)

I 've had a loan with Opp Loans ( Opportunity Financial ) for over two years, and had always made my payments on time, they raised my credit line from {$1600.00} to {$2200.00} because of my record. 

In XXXX 2016 I became unemployed, at first they worked with me for what I could afford, then they pressured me to try to make payments I could n't afford ( in XXXX of 2016 ). I tried to keep up, but ultimately I could n't any longer. 

Finally in XXXX of 2016, the collections manager ( XXXX ) said to me to log into the website and to make weekly payments of what I could afford, so there 's activity. He said as long as I made these weekly payments, no interest would accrue, I 've done this for 3 months now. 

I had a payment due XXXX XXXX, I forgot to make it, so I made it one day later on XXXX XXXX, I 've made another one today, XXXX XXXX. 

It seems their system does n't recognize my payments, as they added {$230.00} of 'interest ' to my balance, and send me threatening emails and texts every other day.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AR)

I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I 'm getting hammered with OD fees on my business account due to the fact that my alerts are not working it is advertised by chase that setting up alerts helps keep track of your account and prevent overdraft fees. This is not correct. Also I have made deposits and never bounced a check and chase continues to charge me OD fees while I have checks pending to clear which is something the personal banker who set up my account said would not happen. Within the past month I have received XXXX OD fees which is absolutely ridiculous. When I call in I continue to be misdirected and misguided by phone reps and the offer basically no help. You can ask to pull the recorded calls and you will exactly what I 'm talking about. Chase also just sent me a check for this same issue happening to me on my personal account in 2014. Its shocking to me that it would take them almost 3 years to realize that they were in the wrong. Please help. Thank you so much.
Consumer complaint received 2017-03-23
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IN)

Hello! I am trying to get a release of liability on my Shared Appreciation Modification with Ocwen. Need to get my ex husband of XXXX years off the loan. I have paid the loan on time for 4 years just me. I was denied - the reason is WHY is why I am contacting you. I was denied due to a foreclosure. I have paper work from the courts of where Loan company put a foreclosure on my record in XXXX and removing it in XXXX when I signed the SAM. They said I had to wait 7 years before the release of liability. How can I have a foreclosure on the house I am living in. Also now I have researched and saw a lot of bad things about the SAM. I am trying to refinance and now I am seeing lots of issues with the agreement I signed. YIKES. Presently I am asking help on the foreclosure business .... So was there a foreclosure and can they really deny me for that reason? I show it was dismissed without prejudges.