davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

The company " Portfolio Recovery '' has called me XXXX times in the past XXXX weeks to try to get me to provide them with personal information regarding my son. They told me they were given our phone number as a contact number for him. We have had this phone number and address for about XXXX years. Our son left home about XXXX years ago when we were living in another state. My son tells me he has paid all his old debts and he owes no XXXX any money. I do not want to receive any more phone calls from people I do n't know asking how they can get to my son. XXXX of the numbers they have called from are XXXX and XXXX. I do not have the XXXX number. A different person calls each time. They should not have the right to continue calling to ask for personal contact information.
Consumer complaint received 2015-04-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: The CBE Group, Inc. (NC)

I called The CBE group at XXXX XXXX XXXX XXXX in XXXX ia XXXX about a debt there collecting from XXXX I ask them if I would settle up would they take it off my credit they said no ... I ask why they said they could n't ... oh yes they can I no they can I want to file a oplaint against them
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Northwest Collectors Inc. (IL)

NWC reported information to XXXX, XXXX, and XXXX which was known to contain errors. NWC failed to promptly report corrected information to XXXX, XXXX, and XXXX. NWC miscommunicated the dispute with XXXX, XXXX, and XXXX. NWC failed to inform me in writing that it was reporting negative information to XXXX, XXXX, and XXXX within the required time period. After recieving a dispute, NWC failed to investigate and report the results of the investigation to me, XXXX, XXXX, and XXXX. After investigation, NWC failed to MODIFY or DELETE the item with XXXX, XXXX, and XXXX. 

These transgressions decreased my credit score which increased the interest rate I received on my mortgage.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

In XXXX I defaulted on a mod ; in XXXX we settled on a XXXX mtge ( amount given to us by Citi-XXXX mtges held by Citi ) I have been ATTEMPTING to rectify and re-modify since ... Citi refuses to work with me ... claiming I make too much money for government programs HAMP/HARP not enough to hand them their money - I have an audit clearly showing robo signing fraud and broken chain of title - we are currently being reviewed for a modification AGAIN we send the same documents over and over again ... I HAVE RESPECTFULLY REQUESTED THAT THEY POSTPONE THE PENDING AUCTION DATE WHILE WE ARE NEGOTIATING ; TO NO AVAIL ... .CURRENT AUCTION DATE XXXX XXXX XXXX
Consumer complaint received 2015-07-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

Lent amount predictably uncollectible. Has harassed my family and myself ( including members for which I did not provide their contact information XXXX in their collection methods- repeated calls, early in XXXX and XXXX. Not willing to work with me to pay loans, put me in forbearance to collect interest, but still not able to pay requested amount.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

My name is XXXX XXXX XXXX and I am an XXXX XXXX, XXXX ; I have recently been a victim of fraud. Someone is depositing checks into my account ( means unknown ) and withdrawing the funds from various ATM 's and XXXX in XXXX, XXXX. The checks are of course faulty ( labeled XXXX XXXX, which no longer exists ) and put my account negative {$40000.00}, plus the {$2100.00} I had in their before the activity began. I reported suspicious activity as soon as I noticed the issue, changed all of my info, reported it to the USAA fraud department, placed fraud alerts with all XXXX credit bureaus, filed police reports with the XXXX ( CID will NOT take the case ; told me to try contacting XXXX PD ), etc. USAA is holding me liable for the negative balance on the account and are exercising their right NOT to do business with me. USAA was unable to explain why I was not notified of fraudulent activity ( I am signed up for fraud alerts ) although activity is taking place in XXXX, and I 'm XXXX XXXX. When I asked why they would allow the account to get so bad, they responded with, " We allowed the funds to be immediately available because you have been a valued customer for so long. '' I was never notified of activity taking place across the US, I never called USAA to make them aware that I was going to be in XXXX, etc. I am married to an veteran as well, and together we have an XXXX yr old daughter. This has put us in a financial bind because XXXX of my XXXX paychecks was directly deposited into the negative-standing account because I was unable to change it in time. I am past due on multiple bills, etc. The ultimate solution I am looking for is to NOT be held liable for the negative balance of {$40000.00}, and to receive my {$2100.00}, which was garnished in the account. If USAA chooses not to continue business with me afterwards, I am ok with that. Any assistance you can provide me would be great. I have also contacted Congressman XXXX XXXX, XXXX XXXX of XXXX.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen Home Mortgage has been assuring customers that they are paying out their escrow to their Home Owners Insurance Companies, but are not doing so. I have had multiple contacts with the company, to which they do not update that I have called stressing the importance of this being paid. 

In contact with my Home Owners Insurance Company ( XXXX ), they have told me that Ocwen is notorious for not paying their homeowners escrow. I believe they are doing this for financial gain. Since HomeOwners Insurance is a contingency on a loan, Ocwen does n't pay a 3rd party, because if I lose my insurance ( which I did temporarily due to their negligence ), I automatically get enrolled on Ocwen 's very expensive Home Owners Policy. 

I was forced to pay out of pocket for my Insurance, even though my money is in the escrow account. Now I want my money back from Ocwen, and they are pretending that they have no knowledge of my request every time I call. 

They are able to keep my money and not pay me back, but if I keep my money and do n't pay them the due mortgage until they refund me, then I lose my house. This is XXXX banking at it 's finest.
Consumer complaint received 2015-04-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2015 I offer to purchase a short sale of property with Bank of America after submitting all the documentation the contract, short sale agreement sign by both parties the bank send a counter offer which was accepted, waited for about a week to find out through equator that the negotiator have shut down the deal because he said he tryed contactingthe seller and due to lack of respond he closed the deal, and have us resubmit the whole short sale offer. We went through the whole process to find out after a month that the deal was dead beacuse the negotiator made the determination that the transaction was not an arms-length transaction due to the fact that a real estate agent was not used nor that the property was listed in the XXXX but instead in XXXX. ( by the way the saling price agreed upon was above the maket value of the property and no relationship whatsover with the seller making the transaction an arms-length ). Now in order to sale the property the seller have to re-list the property with a realtor which will increase the cost of the transaction, and to make matters worst I could not purchase the property as per policy of Bank of America.
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NRA Group, LLC (NY)

The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (TX)

Discover Card XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX : Discover Card Account # Ending in XXXX To whom it may concern : This letter serves to clarify matters regarding the Discover Card account ending in XXXX listed on my credit report. Please note that the Discover Card account of which I am now a joint account holder is reported inaccurately. 
I applied for a Discover card in XX/XX/XXXX and was denied. Later, my former spouse applied and was approved. The account was initially opened by my spouse in XX/XX/XXXX after which I was added as an authorized user. We specifically requested that I be added as an authorized user so that I can be issued a card. We were under the impression that there was no way for me to be on the account as a joint account holder due to the fact that my application was denied. After requesting documents to add me to the account, we spoke with a representative from Discover that explained that although the account may appear on my credit report, I would be added only as an authorized user. 
The account appeared on my Experian credit report on XX/XX/XXXX with me listed as an authorized user and on the same report ; the same account is listed again as a 'joint with XXXX ' account. Later, the account status changed several times. 
The account had been paid on time through monthly drafts from my checking account until XX/XX/XXXX. XX/XX/XXXX, I was unable to process a payment and made contact with Discover to attempt to pay on the account. A Discover representative explained that the account was involved in a bankruptcy and that I could not be provided any details regarding the account. It was then that I learned that my ex-spouse had filed for bankruptcy which included the Discover account reported as a joint account at that time. Because of the nature of the bankruptcy filing, I was not permitted to receive any information on the account ; however, the account still appeared on my credit report as an account in good standing with no payment history. Although I had called several times XX/XX/XXXX to inquire about the account, I was not able to receive information or updates regarding the account. 
XX/XX/XXXX the account appeared as a delinquent account and was reported as being closed in XX/XX/XXXX. I have disputed the information reported on the account with little success. I am requesting that Discover Card investigate the account thoroughly and furnish me with documents that prove that I have authorized Discover Card to add me as a joint account holder instead of an authorized user. I have spoken to a representative who informed me that there is no record in the system of this documentation. If through your investigation, you find that this is the case, I am requesting that you remove me as a responsible party from the account immediately. 
If you have any questions, I can be reached at .... I can also be reached by mail at ... .. Your cooperation would be greatly appreciated. Thank you for your time and prompt attention to this matter. 

Sincerely,
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

I refinanced about a year ago, and the terms of my new loan do NOT require any mortgage insurance (PMI).  Despite this fact, I recently discovered that my bank has been withdrawing about $XXXX a month from my escrow account for the past twelve months.  And - based on the statement they mailed to me last month - they planned to continue to do so for another year (or longer - as long as they could get away with it, I presume).

(Like most escrow accounts, my escrow account is supposed to be used for home insurance and county taxes.  According to my statements, these payments appear to have been paid out correctly.)

When I called the bank, I was told that they couldn't just return my money and stop any future withdrawals.  Instead, they added a "replacement reserve" entry to my monthly payment, a credit which matches my "mortgage insurance" entry that just started appearing on my statement.  (Neither of these items were on my statement until this month's bill.)  Additionally, I have a XXXX new item on my statement - a "shortage" of about $XXXX.  That's right - my bank wants *me* to make up for the XXXX shortfall in my escrow account, a situation that *they* caused by incorrectly withdrawing my money!

The only reason there is a shortage at all is because of their incorrect withdrawals (last year) combined with their estimates for the coming year (which they shouldn't be doing in the first place), which together cause the "projected" balance to drop below the required minimum.

(I'm aware that my taxes and house insurance have risen slightly.  But this should only raise my payment by about $XXXX per month, not $XXXX.)

I've tried talking with multiple bank representatives, and they've explained the "replacement reserve", but they don't seem to be able to remove the so-called "shortage".  I've been told to just pay the extra XXXX shortage this month, and that the PMI would be removed next month, but I've already been told a bunch of things that didn't happen to this point (including that this would already be fixed by now).
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXXXXXX incorrectly reported a 30 day late payment in XXXX, but it was there mistake and not on my account. They have reversed the issue on their side so that it shows my account was always paid on time and never late. The bank has also sent in ( several times ) the corrected information to the reporting agencies, but this has never been removed.
Consumer complaint received 2015-04-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (CA)

On XXXX XXXX, 2015 I sent a certified letter to Grant & Weber requesting verification of the debt they have been reporting on my credit profile. The debt total {$150.00} + {$50.00} for interest. I have yet to receive validation of this debt. On XXXX XXXX, 2015 I decided to send a letter to settle this debt and have it removed from my credit profile. Since the amount would total XXXX I figured I would save my self time and money and send them a request to settle this account. On XXXX/XXXX/2015, I received a letter from Grant and Weber stating they have no record that I made no attempt to contact their office. I have attached the XXXX certified letter receiptsand copy of the letter I received from Grant & Weber on XXXX/XXXX/2015. I was under the impression that they are required within 30 days to respond with proof of this debt belong to me. The letter dated XXXX/XXXX/2015 was not validation but a collection letter, they totally ignored validating this account.
Consumer complaint received 2015-04-26
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Auto Finance refuses to correspond with me and the amount they tell me I owe when I call them is much higher than the amount they are reporting to the credit reporting agencies. They have even verified the lower amount after I disputed with the credit reporting agencies. They also have incorrect dates on my credit reports that do n't even match their own court documents that I was recently able to obtain. I have no way of knowing how they have come up with the figure they give me on the phone or the figure they are reporting to the credit reporting agencies.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (KS)

On XXXX XXXX XXXX  My business bank account was denied for a charge. So I called BMO Harris to find out why my card was locked and they said that we were being held under a fraud investigation. I asked why and it was due to a large wire that we received the day before from one of our clients, this is the second time this happened and last time it took over three months for this problem to get resolved. Now I am unable to get a hold of the person in charge of the fraud investigation and I am just running around in circles. This is crippling our business, as we have creditors that we owe money to, and we have clients that we are expected to receive payments from.
Consumer complaint received 2015-04-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

I had a chase checking account for more than XXXX years ( Account # : XXXX ). I got it activated again by visiting their branch in XXXX ( XXXX ). I submitted all the documents and signed the required SSN declaration too. To my surprise my account was closed without any notice and without any explanation. I had given my account details for my paycheck and now I 'm left without an account and denied of banking service. I 'm not sure why my account was closed and was it due to any kind of discrimination due to my first name. My contact details were intact and I even received account statement from chase in my postbox, which means my contacts are intact. I did n't receive any communication either via post/ email / sms from Bank regarding my account closure. I discovered my card didnt work and when I contacted customer support I was told it was closed.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Ch. XXXX bankruptcy was supposed to be removed XX/XX/XXXX. In fact, both credit agencies ; Transunion, XXXX, and XXXX confirm my discharge date of XX/XX/XXXX and wrote stating this should be removed from my credit report XX/XX/XXXX yet neither have removed it. I 've also written your agency about this without to date remedy. I 'm unclear why this has n't been corrected by you. Again, I 'm attaching documentation as such and would very much like my full report reviewed and prompt action against Transunion and XXXX and XXXX. Thanks,
Consumer complaint received 2015-04-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2015, someone withdrew {$1000.00} from my Citibank account at an ATM. It was XXXX withdrawal of {$500.00}, XXXX of {$200.00}, and XXXX of {$100.00}, all within about XXXX minutes. I did not make the withdrawals, nor did my sister, who is my joint account holder. We discovered the withdrawals the next day and made a fraud report. The withdrawals were done using my ATM card number and PIN, but I had the card with me at all times. I believe someone created a counterfeit card from skimming my information from, most likely, a gas-pump card reader. Or perhaps it was an inside job. Citibank made an investigation and informed me XXXX XXXX that my case had been " resolved '' -- they told me the money would not be restored because I had the card in my possession and because the activity was " consistent '' with my normal banking activity, which I can assure you it is not. I appealed and they reopened the case ; at this time I also made a police report. Citibank then informed me XXXX XXXX that the case had been " resolved '' again, and stood by its original decision not to restore the money. I appealed again, but was told XXXX XXXX, XXXX more, that the money would not be restored.
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I pay all my bills in full every month. I have on numerous occasions failed to recieve my statment from Capital One. When I call Capital One and ask why I do not recieve my bill they tell me I do. I every time pay my bill in full and move forward. They send me to a voicemail in which I leave a message and they never return my call. Very poor customer service which esults in my frustration.