davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (GA)

XXXX XXXX with XXXX and associates called my sister, on her personal cell phone asking for me. He told her that I owed a claim and they were trying to reach me before I was served papers by XXXX XXXX. ( I do not live in XXXX XXXX and have n't since XXXX ) He left a claim number XXXX and phone number XXXX. I called the number and asked what the company was and the individual asked for my phone number and I refused. He then said well I need something to pull you up with. I said I would like to know what type of company I 'm dealing with and why you are calling my family members looking for me ( not once did he state they were a debt collection agency attempting to collect a debt at all ). He said they were a acquisitions firm and they deal with over XXXX different areas that he needed a phone number or something to connect me with the correct area. I gave him the claim number XXXX. He confirmed my first and last name, and told me to give him one moment. About XXXX seconds later a second gentleman that did not give his name picked up the line and asked for my phone number. I refused again. He said in order to help me he needs info from me, and I asked him why did n't his last teammate give him that. I 'm not giving any more info than I have already provided. He immediately became extremely forceful and rude in his tone. He said he was XXXX manager, that XXXX was unavailable so he was taking over. I said so why is XXXX calling me. He said because you owe on an XXXX credit card. I said not sir I do not. XXXX was purchased by XXXX XXXX XXXX around XXXX or so and any debt I owed to XXXX was paid back in XXXX by my mother on my behalf. He said no XXXX XXXX XXXX sold the debt, we are trying to contact you to give you the opportunity to pay before we garnish your wages on XXXX XXXX. I said there is no way you can garnish my wages for any debt that number 1 has been paid, and number XXXX that is from well over XXXX years ago. He said oh we can and because you do n't want to work with us we will go ahead and push the garnishment through early. I work XXXX and can lose my job for wage garnishment. This has to be illegal.
Consumer complaint received 2015-11-20
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX I was a victim of Citizens bank 's aggressive and unfair overdraft practices. For the past 6 years I have tried to resolve this harm. Rather than resolve this harm Citizens has damaged my credit, sent aggressive debt collectors to harasses me and my family, and have ignored my honest attempts to fix this wrong. I beg the consumer financial protection bureau for help. 
The Citizens Bank representative XXXX XXXX ( Office of the Chairman XXXX ) has not responded to at least XXXX voice messages left in XXXX and has not followed up within the 60 days that was promised during our last correspondence ( XXXX XXXX, XXXX ). The damage to my credit is costing me a great deal of money. It is also preventing me from applying to a mortgage. 
In XXXX a class action lawsuit was won and citizens agreed to pay customers that were previously harmed by the fees as well as to change their future overdraft practices. 
Citizens Bank did not pay or rebate the fees in my case because my account was overdrawn. Think about this. Citizens charged me {$700.00} in fees through unfair overdraft practices- then refused to remedy my case because I was overdrawn!!!!! 

Here is exactly what happened : XXXX weekend XXXX, I took my father to lunch on the Sunday. On Monday my account was negative over {$800.00}. How? Citizens put the XXXX lunch through as the XXXX transaction and then processed the smaller earlier transactions from Friday and Saturday. In total I was charged more than {$700.00} in fees. The branch manager would not refund this fees. I closed my account and told them I would never pay. I never paid. I never gave affirmative consent to the overdraft account. I would never agree to pay a {$35.00} overdraft fee for a {$1.00} cup of coffee. The {$700.00} turned into more than {$1000.00} and then according to XXXX debt collector {$2500.00}. 
I have been negatively affected by Citizens Bank 's poor consumer department, and the negative reports on my credit ( that has costs me huge in all aspects of credit ). 
The policies that affected me were : Did not obtain affirmative consent from its customers prior to processing transactions that resulted in overdraft fees. 
Manipulates and reorders transactions so that it can increase the number of overdraft fees it imposes. 
Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and consequently, the amount of overdraft fees. 
Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution. 
Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions. 
Violates the consumer protection acts of certain states through its overdraft. 

My rights as a consumer have been violated for 6 years. I demand this is removed from my credit report.
Consumer complaint received 2015-10-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The managers at the Bank of America location on XXXX XXXX XXXX XXXX XXXX, Tx XXXX verbally refused to submit a suspected abuse of elderly report despite many family members requesting it and an investigation into the practices of one of the account holders who has been forging signatures and is suspected of misapplying, misappropriating money belonging to family members.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

We have a Citi XXXX XXXX credit card and we received an email saying there was a message in our secure message center on citi.com. Upon logging in and reading it, Citi took it upon themselves to close our credit card account WITHOUT notifying us they were doing so. They said that " in our customers best interests, we do not notify them that we close their accounts ''. This is unacceptable. No other credit card company that we do business with does anything like this without notifying us first so that we can take the proper actions to prevent it. I tried to resolve this via their secure message center but they said that they can not reopen the account. These are predatory and unfair business practices.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I have several items to dispute, however the major one has been that one entity ( XXXX XXXX ) was not my bank, it was my husband 's and he died XX/XX/XXXX. Just recently, after a bankruptcy XX/XX/XXXX, I have been trying to reestablish my credit by getting a secured or other type of credit card and have been turned down for the reason the I am supposed to be " deceased ''. I put in a dispute with Exquifax tio start, and they, on two occasions ask me for other documents which I send them both times ( the same documents ). After 1-2 months I get an email that they finished the investigation. the link they send me to for results is blank and somehow brings me back to the beginning of creating the dispute process. I know I 'm not dead. The IRS knows I 'm not dead. I would imagine that a dead person does not have a credit rating, which I apparently do. How in the world can I get this resolved and then move forth with the other disputes to correct my credit reports with all XXXX agencies that are now listing me as deceased?
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: GVA Holdings, LLC (KS)

Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada) (CA)

Allied Collection Services, INC. never sent me a debt collection letter regarding a bill I had with XXXX. They 've called me on my cell phone which is a TCPA violation. On top of this a Collection Rep, XXXX XXXX, told me that if I made a payment plan with them I would n't be reported to the Credit Bureaus. I commenced into a payment plan of {$50.00} per month. They charged {$60.00} to my debit card when they told me it was {$50.00} and said there was a {$10.00} processing charge. Allied Collection Services, INC has no ethics/integrity. They say XXXX thing to me and do another. I asked them to produce the audio recording where the rep XXXX said that it wo n't be reported to the Credit Bureaus. They said recordings are for internal purposes only and wo n't let me review it with them on the phone. I feel like a bunch of my rights are being violated as a consumer. Never received a letter from them saying that I owe money and never had a chance to have the debt validated. This company is a giant fraud.
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ASTORIA BANK (NY)

My home mortgage was transferred from XXXX XXXX Mortgage Loan no. XXXX to Astoria Federal Savings XX/XX/XXXX. The release of lien document from XXXX XXXX Mortgage XXXX XXXX XXXX was never sent and recorded at the XXXX XXXX recorder 's office where the property is located. Therefore 16 years later XXXX 's name still appears on the title to my home. 
XXXX filed for bankruptcy XX/XX/XXXX and was acquired by XXXX XXXX which was then bought over by XXXX. Astoria Bank has attempted to trace this missing assignment ( release of lien or mortgage satisfaction document ), but have be unable to do so. 
I have spoken to my land records department here in XXXX XXXX NY where my home is located. They have suggested that Astoria bank file an Affidavit of Lost Assignment with the XXXX recorder 's office since they were unable to locate the missing assignment. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph XXXX XXXX XXXX. So far, Astoria bank has refused to file the affidavit citing they are not authorized to do so. They have collected my mortgage payments for the last 16 years without every informing me that there was an issue with recording the mortgage.
Consumer complaint received 2015-10-19
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NJ)

I have not been able to access my accounts since XXXX XXXX, 2015. I call Rushcard 's customer service line and not only is the wait over two hours but once you reach a representative, they hang up on you. I spoke to the representative on XXXX XXXX. I was told that since I can not transfer money from XXXX account to the other, I can request new replacement cards. Not only ca n't I access my money but I was told that I will be charged {$34.00} per card. I was promised that my cards will be delivered to me no later than Monday, XXXX XXXX ( XXXX delivery ). I contacted Fed-Ex and there is no record of any package being sent to me. Not only did Rushcard lie about sending me new cards so that I can access my money but they also lied about sending it via FedEx after I was on the phone with different supervisors for three hours. My cell phone got disconnected, my lights got shutoff and I have had to resort to friends and family for help with gas and groceries for me and my XXXX daughters. This has created an enormous financial hardship. I was not able to pay for my daughters ' childcare s I have missed days of work. Not only am I unable to access my money but I 'm losing money in the process. Something needs to be done against Rushcard and I am looking into filing a lawsuit for my pain and suffering! Please help! I am a single mother who works XXXX jobs to make ends meet and that is still not enough. Someone needs to give me answers since Rushcard continues to hang up on me after hours of being on hold.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. 
I tried many other Banks and help. No good. 
They bought XXXX XXXX mortgage in a heart beat. I was out! 
This is a terrible Bank
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I submitted the same paperwork to Wells Fargo Home Mortgage on 3 separate occasions. 
It appears that the constant requesting of paperwork is a stall tactic by this agency to avoid helping consumers. All of these delays have an effect on consumers financial status or their abilities to carry on their daily lives, but expediency is not a quality demanded of Wells Fargo Home Mortgage. Delaying the process is also a loan shark tactic that designed to cripple the consumer financially by further damaging their credit worthiness. A policy should be in place that if a mortgage company fails to operate in a professional and expedient manner, they will not be allowed to report any information to the credit bureau. This would at least equal the playing field for the consumer. How many time do I have to submit the same paperwork before I get a solution to my problem. Wells Fargo Home Mortgage does not return phone calls to their office. Their intent is to not speak with you at all, but to continue with loan shark tactics.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (GA)

I received a phone call from Transworld Systems Inc. regarding the balance owed on my XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I spoke with them, I advised them that I am able to pay the balance of what I owe, {$3500.00}. They, instead, advise me that I now owe {$5200.00} on this balance. 

I conducted my own research on this company as I was having issues with fraudulant activity occurring on my account. Upon doing this, I found that many individuals have incurred unfortunate situations with this company as I have already ; to include paying their balance with funds continuing to be taken out of their incoming funds. I have personally encountered obscene, profane and abusive language, threats of garnishing wages, freezing any bank accounts and that they would take any check I have until they get the full {$5200.00} amount owed. They additionally threatened to freeze my SSN and advised me that they will make sure that I will not be able to make any purchases or obtain any new jobs until they get their full amount of {$5200.00} owed. Their lack of professionalism or willingness to work with me in any way was not provided to me as an option. Additionally, they continue to not provide me with a valid explanation as to why there was {$1700.00} additional dollars added onto the amount I owe. Upon the instances where I tried to contact this company, I have been hung up on XXXX times, deferred to other individuals who claimed they were unable to help me, and when I was able to finally reach someone, obscence language was used along with given multiple threats with no help being offered. Again, I am able to pay my balance of what I owe, {$3500.00}, but they are not giving me this option and are not advising me of why these additional charges have occurred. I 'm unsure of how to proceed, but would like this matter taken care of. I would like to pay my balance, but will not provide money to a company that has a history of " losing '' balances paid and will not provide me with an explanation of why the account increased.
Consumer complaint received 2015-07-25
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (TN)

I 'm XXXX years old and my junker XXXX XXXX XXXX goes up in smoke on the side of the highway. It 's XXXX and I have n't been able to find work since XXXX because of College. I have no money in my bank account, and awful credit. In desperate need of a car I walk myself into a XXXX dealership and tell them I have absolutely no money and need a car. With no work history, no money, awful credit, and at XXXX years old they approved me for a 36-month loan for $ XXXX, {$21000.00} for a {$13000.00} vehicle. I 'm almost XXXX, can barely afford to take even XXXX or XXXX classes a semester a the XXXX college, absolutely can not afford this car without starving myself and living in it. I am willing to return the car but I feel taken advantage of and I can not deal with this loan.
Consumer complaint received 2015-10-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I had a hospital visit two years ago for XXXX. My insurance and my parents covered all the medical expenses. About a year ago, out of nowhere, a debt collection agency ( ARS Account Resolution Services ) started contacting me for a supposed debt of {$640.00}. They however, refused to provide me with any verified documents, itemized bills or any documentation from the hospital or doctors at all. They have been harassing me with phone calls and threatening to ruin my credit ( Which they have already done and I am in the process of fighting ). I have contacted my insurance and they have assured me that they paid their portion fully. I have contacted the hospital, and they can not verify this agencies claims. I would like this matter resolved and would like the harassment and threats to stop.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

In XX/XX/XXXX me and my family received news that the home we were living is going to be sold and were forced to move out. 

I then applied for a townhouse to rent and after conducting a credit check the property management company indicated to me that I needed to reach out to " XXXX XXXX '', aka " Rent Collect Debt Global '' and get a payment arrangement letter before i was approved to move in for a past due bill. 

I then proceeded to call this Collection Agency who in turn agreed to work out a payment arrangement but then refused to provide me with a letter outlining the agreement because they new i was trying to get a home for my family of XXXX that included a XXXX child. I asked why, and XXXX informed me because it 's not apart of their policy? I then in turn asked what a settlement option would be, and they give me a figure of about XXXX and agreed to email it to me which they did with a due date for that day? I do n't understand why they 're allowed to email a Settlement letter but not a PPA letter? Nevertheless i forwarded this to the property management company per their request and informed them that the collection agency refused to provide me a PPA letter but did agree to a settlement letter? He informed me that this was very odd but would look at the settlement letter. 

The next day i followed up with the property management company and he informed me i was denied because they called this collection agency and spoke with XXXX who informed them i was n't making any payments, and the account was still outstanding? This is a clear third party violation that has had a devastating effect on my life. 

My family and I are essentially in the streets living house to house with friends and family. I 've contacted our Colorado XXXX XXXX and they 're looking into helping me and my family but nothing has come about yet. My XXXX kids also just started school and the XXXX stress, coupled with the financial burden this has put on our family is unfathomable. We have to sleep at XXXX separates houses every week which has put a burden on people who do n't deserve it. 

I get that i owe a Debt, but conveying personal details, and denying me an opportunity to receive a written agreement about my debt is very unprofessional and wrong. The only reason why they did this is because they knew i needed it to get a place to live. They 're holding it over my head, and using it as leverage to exploit the fact that i cant get a place or move on in life without it. I feel I 've been treated un fairly, i mean in all honesty i think it 's far fetched that they 've never given anyone a payment letter before
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A revolving credit card account that I share with my wife was deleted from my credit reports. I am an authorized user on the account. I was told by TransUnion to contact XXXX XXXX to resolve the issue. XXXX XXXX assured and reassured me that it is a problem with the credit bureaus and that they have been reporting the account as they always have. However, after contacting the XXXX major bureaus ( XXXX, XXXX, and Transunion ) I was told that it is an issue with XXXX XXXX 's reporting because they only report information sent to them. I was also told a missing account is not technically a dispute, so filing one may not help at all. I just want the revolving account to be reported as it has always been reported so I can get a home loan! My credit worthiness is being misrepresented due to this lack of credit history showing on my reports. The bureaus blame the creditor, and the creditor is blaming the bureaus. I ca n't seem to get any of them to own up to being at fault for this error. I want the credit card account history to show on my credit reports as it always has - dating back to XX/XX/XXXX. I have attached copies of my free annual credit reports, accessed XX/XX/XXXX. I have also attached the merged report I received from my home loan lender showing the account is not on there as of XX/XX/XXXX.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (SC)

I have submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. 
I feel this is a stall tactic for reasons I do not understand.