davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (AR)

On XXXX, 2016 I contacted Citimortgage and asked for a payoff on my mortgage # XXXX. I was told the payoff good thru Friday XXXX XXXX, 2016 would be XXXX. On Tuesday XXXX XXXX, I tried to pay off the mortgage via on line banking, but my bank wo n't allow more than XXXX dollars to be paid on line. So on Wednesday XXXX XXXX, 2016 I went to the bank to get a Cashiers Check to pay off the loan. The Agent at the bank suggested that instead of sending a Cashiers Check that I would be better off just sending a personal check for the payoff amount. I sent my check # XXXX to the address on my payment coupon from Citimortgage. Their address is XXXX. XXXX XXXX, XXXX, Az. XXXX. That payoff should have been in their hands by Friday XXXX XXXX 2016. As of today, XX/XX/2016 my check has not been cashed. I spoke to someone in Customer Service with Citimortgage at XXXX around XXXX and they told me they had not received my payoff. I asked them to call their XXXX office but they refused, telling me they had no way to contact that office! While this drags on I am being charged daily interest on the mortgage.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (MI)

Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY (GA)

Recently American Expresss closed my account due to discriminatory and retailiatory acts. After I raised the complaint with CFPB and with AMEX, they in turn, closed the account after I requested to be given an opportunity to pay the account over time. Instead, they retailiated against me knowingly. They were welll aware that I submitted a complaint to CFPB and then again to AMEX Presidential Office for resolution. No one attempted to work with me on resolving this debt, based on my request to pay overtime. My mother, was also assigned as the Manager of the Account and they deleted this from the system illegally as well. 

Now based on extenuating financial hardhsip existing with my family and a sibling diagnosed with a XXXX, we are unable to pay this balance in fulll and have suggested to pay {$100.00} per month to this account, until I am able to settle the balance. 

There is no neeed for the assigned Debt Collection Representative, XXXX to make illegal attempts calling 3rd Parties whom he does not have a right, nor was he given their phone numbers. How did obtain phone numbers of other family members illegally. We have also requested that he desist in his maneuvers against these individuals, utilized as a harassing tactic against me! 

Do not call their phones again! 

We will commence paying XXXX/mth this month. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AL)

I would like to report Wells Fargo for several unfair business practices and total lack of customer support. On XXXX XXXX, a person whom I shared an account with setup a checking account without my knowledge and then linked that account to my personal checking account without my approval. This person then transferred all of my personal money and left me completely broke. I notified Wells Fargo of this because it 's no different than someone I do n't know finding out my checking out information and doing the same thing. I reported this to Wells Fargo as soon as it occurred and Wells Fargo refused to accept this as fraud and allowed this person to get away with stealing. Wells Fargo advised me that I can close this account and still receive the direct deposits I was anticipating. However, the direct deposits did not post or transfer to my new account as Wells Fargo ensured me they would. This has resulted in me losing a crucial severance check from my previous employer. No one at Wells Fargo showed customer service or sympathy to my situation and I want to elevate my concerns.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WI)

My AMEX card was compromised. They decided to cancel my account. In the process, they forfeited my reward dollars instead of instructing me to cash them out. Unethical, unfair, borderline fraud. At the least, the worst customer service i have experienced in my life. Just straight up theft.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX, XXXX I file formal dispute Portfolio Recovery Associates , LLC. And requested all documents that validates their claim. All I received was a form letter with redundant information. Then after several attempts to get them to comply with 15 USC 1692g Sec 809 ( b ) of the FDCPA. on XXXX XXXX, XXXX I made a formal request for Portfolio Recovery Associates , LLC. provide me with the legal competent evidence that I have a legal obligation to pay. Again I received the same form letter and documents back that they had sent before. On XXXX XXXX, XXXX I received a letter stating that they would not respond to my request. 

To resolve the problem, I would appreciate your demanding them to comply with the law and provide me with the information and action that I requested. Enclosed are copies [ copies, not originals ] of my records, and letters.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

Debt was submitted for dispute longer than 30 days with paid information. I have not received any answers from the debt collection agency nor XXXX XXXX ( known as XXXX wireless ) The debt was fully paid to prior collection agency in the total of XXXX. I have submitted such proof with proof of the settlement with the collection agency. XXXX is failing to remove the collection out of my credit report or simply report it as paid. I have made every attempt to contact the collection agency and XXXX ending with no result.s
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Radius Global Solutions LLC (LA)

I have a medical bill with an XXXX in town that after setting up a payment plan and making a payment, I was sent to collections a few days later. The collection agency claimed they had no record of me setting up a payment plan or making any payments on my account. The collection agency did not send me any letters, statements, anything, just claimed they did not send out mail or email because they were a collection agency with the sole purpose of collecting the debt. I naively paid the collection agency several times, but my payments were never reflected on my account balance. I recently found out that I was reported to credit for nonpayment of this bill, but the money has come out of my bank account to pay the bill. The collection agency claims I have only made one payment -- one in XX/XX/XXXX and one in XX/XX/XXXX. I have also set up a payment plan with this collection agency, but they claim the payment I set up will only cover assessed fees to my account and the balance will never get paid off this way. They also claimed that making a slightly larger payment will still take me decades to pay off. I 'm not sure what to do at this point.
Consumer complaint received 2016-10-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (UT)

I received a letter from National Credit Systems, XXXX XXXX XXXX XXXX, GA XXXX letting me know that I had an outstanding debt of {$3400.00} to a company called XXXX. I called them back at XXXX and after they checked my identity, they told me that it was n't me so i did not have to worry about it. A couple weeks later they called me again asking me if I was going to pay this debt, again I explained to them the situation and after a long conversation they understood it was not me. 
Fast forward to XXXX/XXXX/16 I received a credit report alert telling me i had a new negative loan on my account. Checked it and it was them. They had added it to my credit report without my social security. I do n't understand how they can do that but it was there. 
I called them and spoke to a XXXX XXXX who is in charge of the account # XXXX. After she rudely asked me for my information and I gave her my SS she proceeded to tell me that it was not me and she could not give me any more information on how it was added to my credit. She said that I could dispute it with the credit company but that she was not able to do anything about it. 
I called her yesterday to see if anything had changed and left a message, so i called her again today XXXX/XXXX/16 and now she told me that i have to submit a fax with my credit report, my SS card, my drivers license, and all this other information, and that there investigating team would look at it and get back to me in possibly 2 weeks. 
It is companies like NATIONAL CREDIT SYSTEMS that take advantage of people and get no punishment for doing things like this. It is up to me to prove to them that it is not me when they knew it was not me in the first place. We need to do something about this.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JH Portfolio Debt Equities, LLC (AL)

I do not have a contract with the said company. I have sent validation letter to XXXX back in XX/XX/2016 with the letter being returned undeliverable. Shortly after JH Port started reporting this account with the credit reportinfg agenices.
Consumer complaint received 2016-10-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (MO)

I submitted a payment online through my XXXX ACH. I was told by my bank the payment would post on or before XXXX/XXXX/2016. But instead the company Tidewater finance posted the payment on XXXX/XXXX/2016. By Tuesday XXXX/XXXX/2016 the payment should withdrawn from my account and sent the the company. However due to no fault of my own Tidewater could not locate the payment. I had to go to my bank to see if the acutally sent it which they did because they can see it drawn from my account. This took Tidewater 2-days to locate the payment and they posted to my account. The payment posted on XXXX/XXXX/2016 due to Tidewater. Which made my payment post on the XXXX day instead of the XXXX. When I contacted tidewater to change the payment date to XXXX/XXXX/2016 they said I would need to contact my bank as it was their error. This was not the case this was completely the error of Tidewater finance. I was told by Tidewater they could n't locate the payment till after XXXX which caused it to post on XXXX/XXXX/2016. That is unacceptable to me considering the payment was received in the an adequate amount of time. Tidewater should not have the liberty to post payments when they feel like it. If the payment was received on XXXX/XXXX/2016 or XXXX/XXXX/2016 before or after XXXX it should be considered received on that day. The 31-day late will have a teremendous negative impact on my credit if this issue is not resolved immediately.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MD)

About a month ago, my credit card was compromised which required me to get a new card with a new number, during this process Barclays Bank of Delaware declined XXXX recurring charges for my gym membership in the amount of {$17.00} two times for both my membership and my wife 's. A few days later, due to the payment being declined the gym submitted XXXX charges of {$42.00} ( {$17.00} membership fee + {$25.00} late fee ) which Barclays allowed to be charged to the cancelled card. I have been disputing the {$25.00} portion of the XXXX charges with Barclays as in my opinion this late fee was charged to me due to their actions.
Consumer complaint received 2016-10-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (NJ)

I can not access my Ally savings account via online, mobile or via telephone. It 's been over 2 weeks since I 've been able to access my account or even verify what my balance is. I 've called Ally on numerous occasions and I 've been told that it is an IT issue. I am refused my balance and twice I 've requested a bank card to no avail.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (NE)

I recently opened an account with US Bank to use for my income. My first paycheck was deposited ( {$5900.00} ) on XX/XX/year>. 
I visited a branch on XX/XX/year> to ask about where my new debit card was as it hadnt been received and there was no mention that the funds were being held. 
On XX/XX/XXXX I spoke to your customer service on the phone and they mentioned it could take 3-5 business days for the check to clear. 
XX/XX/XXXX I received a letter in the mail that my funds were being held due to Confidential information - safeguard/exception and would not be released until XXXX  XXXX, 11 days after deposit, signed by XXXX, XXXX at branch XXXX XXXX 

When I visited the local branch this morning and questioned why it took so long to be contacted and why the funds were being held, the employees reply was that due to terms and conditions they can hold the check up to 30 days. 
I was also told that they could not inform me as I was not the one depositing the check nor would they contact me via phone or email, only snail mail. 
XXXX then requested to get a proof of check cleared from my work, so brought this to them along with our director of finance. 
XXXX said she would make a request right away to your risk department to see if the funds could be cleared. 
When I asked to get notified, she asked to have my phone number which US bank already has. I requested then to get an email about this, I again was asked about contact details that are already in your system. 
My finance director asked her if this was their way of treating a new customer and if they wanted my business or not to which we got a reply about rules and regulations. 

Here are my major issues with this : Lack of communication : no info given when I myself visited the branch on XX/XX/XXXX, nor when I spoke to customer service on the phone that the funds were being held for a specific reason. 

Immediate funds : I was informed that the initial {$220.00} would be available immediately as per your policy. They were not and still haven't been. 

Treatment of new customer : when I spoke to XXXX at branch XXXX, she was not very friendly and came across as it was all my fault and I should know better. I wouldnt recommend her to anyone! 

Sending information via mail : not only is this the slowest way possible but also the least efficient way when the US bank has my phone number and email address. But for some reason, thats not the way US Bank wants to communicate in the digital age of XXXX. 
Money now : I have to pay a deposit and rent for an apartment by tomorrow XX/XX/XXXX which is {$2000.00}. 
Theres also a hotel stay tonight for {$150.00} at the XXXX XXXX  XXXX that needs to be paid for. 
Money is also needed for food, hygiene articles etc.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I bought a home in XX/XX/XXXX with my spouse. In XX/XX/XXXX my wife XXXX and I applied for assistance from HUD. I had a forbearance agreement with and completed it. In XX/XX/XXXX, Ocwen purchased the loan. At that time, my account was current which is stated by Ocwen in one of my emails. I 'm trying to arrange to pay off my loan and Ocwen says I have a balloon payment of approximately {$12000.00}. I 'm trying to find out how did that happen and where did it come from. Ocwen has yet to tell me how it was incurred. As part of my forbearance agreement with HUD, I had to pay additional monies to get current so I have no idea where it came from. Initially, Ocwen told me that they only purchased the loan and that I would need to speak with HUD to determine where the {$12000.00} came from. Ocwen told me initially that they received the loan from HUD and had no documents on hand. I called the HUD office, located in Oklahoma and they told me they did not sell the loan to Ocwen and did not know who sold it. In fact, they had not owned it since XX/XX/XXXX. So I told Ocwen what HUD stated and asked them to find out who did they purchase the loan from. They responded by saying that they could not verify who they bought the loan from. I 've asked them several questions in regards to my concerns and they never answer my specific question. For example, I ask them to assume that I did not have this balloon payment due, would my principle payoff balance be less than {$5000.00}? According to my amortization schedule, it would be as of XXXX XXXX. They never answered my question. Ocwen has yet to show me how an additional {$12000.00} was incurred. The first email I received stated that there would be " no payments accepted after XXXX XXXX, XXXX ''. Then they changed and stated that as part of some Fresh Start Program, I was granted another 10 years to pay the remaining balance. In a later email they sent me another amortization schedule that ran another 2 years which ends in XXXX XXXX. Why would I want to do that? My last email that I sent, I told them if they could not provide any information of how or when this balloon payment was generated they should remove from my note. I HAVE NOT HEARD BACK FROM OCWEN ON THIS LATEST EMAIL!
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There is a Capital One account on my credit reports that does not belong to me. I have disputed this numerous times and Capital One refuses to remove this item. During my last dispute I received a response from Capital One ( see attached ) stating that this is my account and all of the information that they have on file matches my information. This is not true. I have called Capital One in regards to this matter and when asked to verify my information they could not because they stated that the birth date that they had on file did not match. I wanted this is writing so I went to the online chat because I was told that they could not respond via email regarding personal account matters. On all occasions they could not verify my birth date ( see attached ). There were more times than this but I only printed out XXXX. I did contact them to try and settle this account because I want it removed from my credit reports. I was willing to pay for something that was not even mine because I am being railroaded by Capital One. This goes to show that XXXX XXXX from Capital One has provided false information just to not remove this item that really does not belong to me. I would like this information removed from my credit reports immediately. As I have stated numerous times this is not my account and I will proceed with further actions if this is not done.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Midwest Recovery Systems (CA)

A few weeks ago a collection agent called my XXXX year old mother upsetting her looking for me about an emergency case and left a number. I called back and a lady said I was being sued for XXXX account from 2008. I told her to stop calling this was way past 7 years old. Two days ago I was notified by credit karma that a collection account was put on my credit report. I called number on my collection account and spoke with XXXX. He emailed me a letter of collection but claimed he did n't have original creditor info.
Consumer complaint received 2016-10-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Home equity line was modified. Regular payments went delinquent. Bank 's credit card division lowered my credit and credit score. 
I made the lower modified payments, yet I had negative reports to the credit bureau lowering my credit score. 
Now I have to wait until the Bank updates its Home Equity Line of Credit statements before I can contact the credit bureaus to correct this.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (WA)

this company ( Bonneville Collections ) has failed on multiple levels on the validation of this debt. I have the letters stating the amounts owed are between $ XXXX-XXXX in interest alone every time i 've gotten correspondence from them. Original amount is {$240.00} per original creditor yet they claim its $ XXXX-XXXX??? thats THEIR fees and charges. What gives them any lawful right to do this? .. violation of fdcpa 808 ( 1 ) since i NEVER HAD A contract with the original creditor, so how can they legally do this?. i also have credit reports from XXXX and XXXX for the same dispute cycle stating different amounts owed. How is this possible if their supposedly '' verified!? '' remember all account info is supplied by Data Furnishers per FCRA 623 NOT the Bureaus responsibility. Also the account they have been claiming was from the original creditor is wrong! as i have the original creditor own statement and account number is XXXX digits off.How is it then Validated?