davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (TX)

I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (WA)

Hello, one of my student loans was recently sold without any day of myself to a new organization UHEAA who then notified my via email that they would need me to log in providing all of my most sensitive information to an unknown company oh, but by the way they already had all of my pertinent bank information and with complete disregard to my pre scheduled payments at my previous loan company were billing me at their discretion ( and by Bill I mean removing the monthly balance that they determined from my bank out directly on a random date. ) The lack of consent needed by the loan recipient to have such sensitive information directly transfered to another company is appalling and I am sure that the sale of my loan is to help bundle with less desirable loans to provide a marketable product that investment funds can purchase, similar to the practices that lead to the housing crisis. The lack of oversight and attention to security of personal information is quite astounding and scares me. Is there no regulation of how this information is passed? In signing up for a student loan do we give up our privacy rights and the security of our financial information for the foreseeable future? I am appalled and I urge you as a regulatory body to intervene sooner rather than later because the implications of these fast and loose processes are frightening
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX, 2016 my cousin XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I had an account with XXXX XXXX for {$470.00}. It defaulted. It was sold to XXXX XXXX XXXX. Both are reported as separate or duplicate debts. Experian says they will not investigate it further ( Mail Dispute ). XXXX XXXX states they do not own the debt. I called to have one of them removed from my report and spoke to XXXX today at Experian. He states Experian has the right to double, triple or more report the same data as it also contains payment history and none of it will be removed. I enclosed the one for XXXX XXXX XXXX and another one exists if you need it that is separate for XXXX XXXX.
Consumer complaint received 2016-03-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

In XXXX, I sent XXXX certified letters to Portfolio Recovery at XXXX different addresses requesting Debt Validation for a debt they are trying to collect from me. I specifically asked for " Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. '' I did not receive anything but another letter from PRA stating my name - last XXXX of my soc - and the amount they say I owe. Due to the way PRA has treated people in the past, I do not trust them to tell me the truth and not try to take me for a ride.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

after giving me the run around for a couple of years I was able to get citizens bank to refinance my loan I have had with them for 11 years at 6.74 % they sent me a package with things they would need from me to close loan, XXXX thing was 30 days worth of check stubs.i imformed them that I had XXXX 2016 stubs and I have been on workmans comp since XXXX XXXX, 2016 for an XXXX that I exacerbated working. after i told them that they told me that they would not be able to refinance my mortgage because i was on XXXX i imformed them that me working does not pay the monthly mortgage on house in question. i was told it had to do with debt to income ratio, i imformed them with a refinance that would lower my debt to ratio from paying them {$260.00} a month with a refinance my payment would only be {$120.00} a month. also they doubled up my debts and listed them twice on application as to make it look like i had more debt than i did. they also failed to count income on a house i own outright, as well as having me pay taxes and insurance on houses that they know or should know are escrowed with monthly payments i have on those houses, in essence they had me paying XXXX taxes and XXXX insurances which in turn effected my income to debt ratio. the way i see it they will use any and everything to keep me from paying a lower rate on this mortgage and i think that is very wrong. basically more money in the banks pocket. also they wanted me to pay for appraisal fee out of my own pocket while they pick the appraisal company this seems like they are setting me up for a lowball appraisal that way they can deny me because appraisal came in to low. all houses so far that i have refinanced the appraisal fee was written into loan with other closing cost. i thought turning people down because they are XXXX was against the law
Consumer complaint received 2016-03-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYL Collection Services (CO)

BYL Services reported to XXXX credit reporting agency XX/XX/2016 an account that they placed with another agency. The lady I spoke with on the phone said that they did n't. She was very rude and I was calling in to clear the debt. She said they had placed the account with another agency and i should take it up with the reporting agency. I asked her if she could look into it and she said she already did. Very rude and false reporting from this agency.
Consumer complaint received 2016-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (AZ)

I cosigned a student loan for my son. When we entered the repayment period, I tried to set up an online account to pay online. I was unable to do so. When I contacted Wells Fargo I was told that my son could set up an account and allow me access through a guest account, but I would be unable to pay the account through a guest account. Only the primary borrower could pay online. I must either mail a check, go into a branch or make a phone payment each month. I feel this is ridiculous given the fact that I would be held fully responsible for the balance if my son was to default.
Consumer complaint received 2016-03-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

The Loan was acquired by Ocwen mortgage from GMAC. The original Mortgage agreement was 180 payments of {$920.00} after that a Balloon note was due in the amount of {$88000.00} on XXXX/XXXX/XXXX. Being that we were a Victim of Predatory Lending we asked that the balloon payment in the amount of {$88000.00} be put in a loan. Instead of doing that, OCWEN offered a Loan Modification ( HAMP ) in the amount of {$110000.00}. When asked to explain the difference they continually say the fees for none payment, escrow fees, etc. This was not an Escrow Loan but, one was opened. They told us they were n't accepting payments but, asked that 3 payment of {$720.00} be made for a modification to be approved, which were paid. They sent a letter stating the modification was approved and sent loan documents that they wanted us to sign. The loan documents were in the amount of {$110000.00} with a balloon payment attached in XXXX of course, we refused to sign because the numbers did n't match. Now they denied the modification based on the fact the paperwork was n't signed and returned but, they failed to return the {$2100.00} ( 3 payments of {$720.00} ) paid for the months of XXXX, XXXX & XXXX XXXX. A IRS form XXXX was received for the tax year of XXXX from OCWEN in the amount of {$15000.00} ( TOTALLY INACCURATE ) because NO PAYMENTS were made in XXXX other than the amount of XXXX that was requested for the modification which later they denied. 
On XXXX/XXXX/XXXX a check made payable to OCWEN LOAN SERVICING in the amount of {$16000.00} for Principal Payments and {$1800.00} for Interest payments was distributed by a bankruptcy trustee this amount is unaccounted for. We have money orders that were cashed and made payable to OCWEN Loan Servicing with are not reflected on the statement or on the print out provided ( {$8300.00} ). We 've requested several explanations of where the money was allocated over time they acquired the loan no response, requested that the Escrow be closed because in the original terms of the loan the Homeowner pays all Real Estate Taxes and Insurance no response, we have a Suspense and Forbearance Credit of {$5200.00} which we have requested an explanation of and/or return that amount no response. 
We have tried to refinance the balloon amount of {$88000.00} but, we can not get a true and corrected payoff, Ocwen has not reported to any of the XXXX Credit Bureaus and we can not show 24 months of consistent payments because none have been accepted. I have advised OCWEN on several occasions that this account will be reported to the authorities if this matter is n't corrected in timely manner.
Consumer complaint received 2016-03-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (FL)

This credit card was opened in XXXX with XXXX bank Delaware. This is a credit card I could not make payments on. On XXXX XXXX I made my last payment toward this loan. On XXXX XXXX they started to try to collect this debt and put negative information on my credit report. On XXXX XXXX XXXX sent this account to Midland funding llc for them to collect. They XXXX are still reporting this negative information on my credit reports. Its been well over 7 years from the default. I have contacted them my phone and mail asking them to up date or remove this from my credit report. They just continue to report this information. They also try to contact me by phone for collection purposes. See attached for proof of over 7 years.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: College Assist (VA)

College Assist contracts with the XXXX XXXX XXXX , XXXX ( XXXX ), for the collection of outstanding student loans. Apparently, College Assist does not screen its contractors, nor does it maintain any quality control over its contractor 's work. 

Recently I received a letter from XXXX stating that it was attempting to collect {$58.00} on an outstanding student loan that it claims I have with College Assist. The correspondence indicated that I could dispute the alleged debt, which I did. 

On XXXX XXXX, 2016, XXXX responded to the dispute with a letter stating that it was attaching " additional documents related to your account. '' When I reviewed the documents, it became apparent that XXXX mixed up my documents with that of another borrower, and that XXXX gave me documents that contained that borrower 's personal identifying information, including social security number, driver 's license number, date of birth, and financial history. Due to the sensitive nature of the documents received, I will not attach them to this complaint, but will provide them only in response to follow-up communication with this Bureau. 

Because my documents were not included in the correspondence, and because it appears that XXXX intentionally/recklessly sent personal identifying information to the wrong person, I can only assume that XXXX also provided my documents, containing my personal identifying information, to another person not authorized to receive it. Such behavior demonstrates that lack of any quality control on the part of XXXX and upon College Assists in the supervision of its contactors.
Consumer complaint received 2016-03-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX On XXXX XXXX, 2016, I was forced to sign a bad offer from Ocwen. Ocwen is a predator in terms of servicing and loan modification under the HAMP tier 2 program sponsored by the Federal Government. 

I was unemployed since about XXXX 2016 to XXXX 2016. At that same time within the original hamp modifications, my mortgaged had just adjusted and it was due to be a major increase in paymets from XXXX to XXXX per month approx in XXXX. 

During this time, I was in financial duress due to my unemployment. I was concerned about my current mortgage responsibilities. 
I called Ocwen about any possible remodificatiosn and they told me they coul dput me on a program. 

I applied and supplied proof of my unemployment income and my monthly statements. 

I qualified for the Hamp tier XXXX. However as soon as I was told that I was been put into a 3 month trial period, I asked Ocwen for detail full disclosure to include include amortization plan. 

Ocwen refused to provied any such information even XXXX try to get that information from them to no avail. 

The day beofore they terms of the offer was due, they gave me some level of explanations and details but yet still no full disclosure. 

Since, I faced the possibility of going into a foreclosure path, and my credit would be reuined, I was forced to accept the very bad deal in order to protect the home and my family. 

Ocwen, violated my right as an american consumer with utter disregard of the banking regualtions to and good faith estimate to provide timely information even at the request from an officer of the court. 

Please, allow me full legal consideration for this issue with ocwen.
Consumer complaint received 2016-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NH)

I moved to XXXX XXXX, GA in XXXX XXXX. I had XXXX as my mobile service provider. I rented a home at xxx XXXX XXXX, XXXX, GA ; a location not serviceable by XXXX. After XXXX Corporate confirmed this lack of coverage they were willing by their policy to cancel my account.I paid the account in full for service used to date of cancellation. They also asked that I give them my new I-phone as part of their cancellation while still under contract. It was not their phone, acquired elsewhere, but I turned it in. I began service with my family through XXXX XXXX whose service reached my XXXX address. A few months later and to my surprise I received a bill from XXXX for XXXX. Upon inquiry I am told the bill was for " breach of contract '' because I did not turn in the other XXXX phones we had, very old and outdated phones. I went back several times to XXXX service dealer who told me to disregard and had spoken to Corporate. This is same office location in XXXX where I cancelled the XXXX service confirming we lived outside coverage area. 

I ignored the bill waiting for a letter of correction. I then received a call from a collection company demanding the amount of XXXX. I explained that this amount is NOT for cellular service not paid, but penalty charges for not giving them my other phones beyond my I-phone I gave them. He then got on the phone with XXXX Corporate after telling me this should not be sent to collections, and that this is not a valid bill. I received a call from Corporate office ( its now XX/XX/XXXX ) and told the account would be closed and XXXX out with their apology as NO ONE asked for my other phones beyond my phone back in XXXX XXXX, and I also only received XXXX return box. 

By XX/XX/XXXX I stopped hearing from XXXX altogether. I had not received ANY written communication to my knowledge since. However, a recent credit report shows me in " collection '' for XXXX with a new debt collector company. I filed a dispute with XXXX XXXX but amounted to nothing beyond showing the amount is in dispute by me, consumer.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: NAVY FEDERAL CREDIT UNION (CA)

My husband and I have had the same ( nRewards VISA ) joint credit card account with NFCU for over 20 yrs ( expiration date XX/XX/XXXX ). XX/XX/XXXX, he received a notice by mail from NFCU 's VP of credit cards ( XXXX XXXX ), saying that he had been selected for an automatic upgrade to a " VISA Signature Go Rewards Card '', and to expect it soon, in the mail. Two days later ( XX/XX/XXXX ), we received the new cards ( also with the expiration date of XX/XX/XXXX ) -- The account number under his name was still the same, as our current VISA. But the card issued in my name held an entirely new account number. 
Is it legal to reissue a new set of cards when we did n't ask/apply for them? The 'upgrade ' seemingly changes us from a joint account, into XXXX separate ones ... and the APR terms are slightly different from our current VISA. We received mailed paperwork applications for this new card in the prior months, but we declined the offers. This seems like fraud to me, even though it 's being issued from within our credit union. This should never have happened.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Overlimit fee — 
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX D.O.B - XXXX/XXXX/XXXX SSN- XXXX My name is XXXX XXXX XXXX XXXX I 've had a Banana Republic credit card account for almost a year. I recently had an issue with Synchrony Bank because they refuse to help and accommodate their customers even when they are the one 's who made the mistake. I signed up for electronic alerts to stay informed about my payment due dates. They failed to notify me about a payment that was due XXXX XXXX, XXXX. Due to that mistake there was a late fee and interest applied to my account. My account shows that it went over the limit when that was not the case. Due to them applying that late fee and the interest it made my account over the limit. It actually was not over the limit because of my use of the card but because of their mistake in failing to keep me posted. I also tried to sign in online to check my account, they sent me an email notifying me that I was trying to login into my ''Banana Republic Visa Card Account ''. I do not own a Visa Card account with Banana Republic. I have a regular Banana Republic Credit Card. I contacted Synchrony Bank and I spoke to XXXX, a Supervisor in Customer Services, ID # - XXXX. Due to XXXX 's lack of knowledge she refused to comply with my request to verify the inaccurate information that they have in the automatic system. She interrupted me repeatedly and tried to speak over me refusing to listen to what I had to say. What is the point to have Paperless if they will not send the electronic notifications about their payment due dates.