davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (GA)

I was contacted today by " XXXX '' from XXXX XXXX XXXX. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an Old Navy credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.
Consumer complaint received 2016-06-30
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Onity Group Inc. (MD)

docx / indecomm global services fraud mortgage assignment robo signer around the county filing of shady assignments. 
. Representation was made of a material fact. 
2. Representation was untrue. 
3. Party making the representation knew it was untrue. 
4. Representation was made with the intent to deceive and for the purpose of inducing the recipient to act upon it.5. Recipient justifiably relied on the representation. 
6. By relying on the untrue statement, the recipient suffered damages.XXXX 1. A false representation was made, usually one of fact. 
2. Party making the representation had knowledge or belief that the representation was false, or made the representation with the requisite indifference to the truth. 
3. Representation was made with the intent to induce the recipient to act, or refrain from acting. 
4. Recipient acted or did not act in justifiable reliance on the representation.5. Recipient suffered damages XXXXas a result. 


XXXX Misconduct in Other States XXXX. XXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well.Foreclosure law firms in XXXX and XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX XXXX and at XXXX, XXXX, XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to court.XXXX Several notaries had their licenses revoked and the XXXX Court of Appeals adopted a rule allowing courts to appoint independent attorneys to review foreclosure documents for irregularities.XXXX Meanwhile, at the XXXX firm XXXX XXXX & XXXX , attorneys admitted to the same practices, supposedly to avoid the " sloppy '' practice of crossing out another attorney 's name below a signature line.XXXX Show cause hearings were held in several XXXX counties regarding the issue.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

Navient is terrible. They offered no help, no advice, no point in the right direction for when I first graduated. The same applied for when I lost my job last year. All they told me I could do was forbearance. They offered no alternatives or help. Worse service than the DMV. So that should tell you something.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

I am receiving claims from various debt collection agencies that I owe debts. I have received multiple debt notices from XXXX from different debt collectors. I do not understand why I am receiving repeat notices for debts I do not owe? I closed out my XXXX account years ago due to poor service. 
This complaint refers to XXXX.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (MA)

On XXXX Seperate occasions my Name and info were used to apply for XXXX/paypal credit In XXXX of XXXX and again in XXXX of XXXX, I called XXXX to explain that a family member was using my computer and made thos inquiries by mistake trying to set up there own paypal accounts. I asked that they report to XXXX that these inquiries were n't made by me, i spoke with four different people and they all refused to assist me in removing these inquiries.I have also faxed them the documentation stating that i did n't make or authorize anyone to apply for credit in my name. I believe that these credit inquiries are fraudulent because they were n't made by me I do n't want or need credit thru paypal. Please assist.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called capital one on XXXX/XXXX/2016 because there was XXXX in unauthorized charges. They asked if I knew a XXXX XXXX. I have never heard of this person and all transactions were in South Carolina and I live in XXXX. A month later the charges were still on my account. They NEVER opened a fraud case. So they finally opened one 2 months later. But instead of refunding the money they double charged it. Ive called five times!!!! They cant get this fraud right! I know crap happens but fix your mistake.
Consumer complaint received 2016-10-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LendingPoint Holdings LLC (SD)

I am getting XXXX & will be on XXXX effective XXXX XXXX 2016 for XXXX days. I called the lender to verify they received the information & no one there is familiar with SCRA & how to apply the benefits to the loan. I submitted my XXXX on XXXX XXXX 2016 along with a request to provide the benefits to my loan. I had not received a response as of XXXX XXXX 2016 so my wife called to verify if they had been received. The representative informed her they received some paperwork from the XXXX but had no idea what SCRA was. He had never heard of it. He informed her a compliance manager would call her back. My loan id is XXXX. I would like to get this resolved before I leave the country.
Consumer complaint received 2016-10-18
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: Eastpoint Recovery Group, Inc (KS)

Eastpoint Recovery Group , Inc. has continued to call and harass my parents about a debt from me. They have made threats to my parents, cursed at them, and given all my debt information. They call their house several times a day after they have been asked not to call again.
Consumer complaint received 2016-06-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Complaint No. XXXX XXXX XXXX, ASC Executive Resolution Specialist, is deceptive and abusive. I am at extreme high risk of loosing my only and primary home XXXX located at XXXX XXXX XXXX, XXXX, Massachusetts XXXX as a result in how my Transfer of Service is being handled. There is no truth to the information that ASC is providing to XXXX. The Consumer Financial Protection Bureau XXXX ( CFPB ) XX/XX/2013, dated XX/XX/2013 issued a guidance for servicers, including and not limited to America 's Servicing Company, in how to address the potential risks to consumers that may arise in connection with transfers of servicing. The CFPB explained in the article that servicing transfers are common, and may occur in several ways. I have 2 questions to be answered : 1. What Process of Service Transfer did America 's Servicing Company use? ( Please Prepare and Submit an informational Plan ) 2. Why, as the consumer, am I not aware of your procedure? ( Please prepare and submit an informational statement ) XXXX is under the assumption that the Service Transfer is complete. Documents enclosed.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

This would be our THIRD complaint issued against Green Tree Servicing LLC ( " GT '' ) - now diTech. Following the transfer of our loan to GT we issued XXXX previous complaints with your bureau due to GT 's harassment and illegal deceptive collection tactics, etc. and their failure to provide accurate accounting information regarding our mortgage account. Following the previous XXXX complaints, GT did issue a letter ( XXXX/XXXX/XXXX ) providing the accurate account information as being current ( attached as Exhibit " A '' ) and finally provided the acct balances info, i.e. principal, interest, escrow, etc. we had REPEATEDLY requested. Presently, we have been approved for a new loan which would SUBSTANTIALLY lower our interest rate from the current GT-Ditech 5.875 % rate. The new lender requested verification that our last 12 mos. payments on our GT-Ditech mortgage have been timely which of course they have. However, because of the inaccurate and FALSE information provided by ditech to our new lender regarding the history of our mortgage account insisting that we have been " seven times late '' when in fact this is completely FALSE and inaccurate as evidenced by the attached documents under Exhibits " A '' thru " D '', we have been unable to close on the new loan. The attached Exhibits prove that GT-Ditech 's information is FALSE because our account in fact has been, and is current as each and every payment made on this account has been TIMELY going back to even XXXX/XXXX/XXXX when GT issued their letter confirming the account as " current ''. We contacted Ditech on at least XXXX separate occasions on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in an attempt to correct the information. The first representative did n't understand our account and provided wrong information and refused to transfer us to a supervisor. The second and last representative ( there have been MANY ) to whom our account has been " assigned to '' after we explained the situation and that we just wanted the accurate information provided so we can pay off the loan and close escrow with our new lender - said " there was nothing he could do about it '' and hung up. Ditech 's actions appear to be INTENTIONAL so that we are OBLIGED to keep our high interest bearing loan with them all for THEIR financial gain and OUR financial detriment. PLEASE HELP!!! Thank you.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NM)

We have a small business as a gallery for 55 years. Wells Fargo provides my merchant credit card services. Wells Fargo overcharge for the monthly interchange charge. I asked Wells Fargo to verify the formula they use and return the excess money charged. This was done in writing and they closed my case without resolution. I am XXXX years old. Please help.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A. (NY)

I applied for the Citi Simplicity card with 0 % interest for 21 months as I needed a new roof. I was sent a credit card and XXXX checks with a credit line of {$18000.00}. My roofer does not accept credit cards so I called Citi and was told by agent that I could write out the check to myself and deposit into my checking account, then pay the roofer in installments as I wish or do whatever I wanted with the money. I find out after I took their advice and deposited into my checking account the check bounced back. Their explanation was I did not leave enough room in the check for the transfer balance fee of {$540.00}. I had no idea that after following their instructions I was making a balance transfer. In essence I was making a deposit in my checking account, not transferring money from XXXX place to another. Representative insisted that was a balance transfer. I feel that was misguided and I was given wrong information on what to do with the check. I realize there are transfer fees when maybe transferring a credit card bill or other expense to another card, but I did not do that. I simply made a deposit as instructed. Now my bank account has a negative balance and I can not use my account on a holiday weekend until the bank gets back the check and releases my funds. My complaint is that nowhere on the check did it say this check was a balance transfer, in the paperwork it stated fees applied if I used this credit line as a balance transfer. I now find out from Citi that whether I use the check or the card thee is a balance transfer fee. Therefore false advertising of XXXX % for XXXX months is a mere smokescreen as to we charge you in other ways. More importantly, I followed the advice of the representative of Citi named XXXX who guided me to deposit the check and pay contractors with my own checks. I feel I am wrongly charged the {$540.00}, and I dispute that charge on the grounds of unclear wording and misguided advice. Also to misleading the consumer and leaving out XXXX important warning that if I did deposit it into my own checking account there would be a fee. I would never have done that had I known! I am asking for your guidance in this matter and I would like the public to know to be careful when using this service from Citi Bank without finding out what hidden fees XXXX apply, or any fees for that matter. I am a widow on a limited income, which is why I applied for this so I could stretch the payments over XXXX months. Unfortunately it was raining inside my house so I was forced to get a new roof, I totally could not afford XXXX.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MS)

I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditor XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Consumer complaint received 2016-12-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I took out a personal loan with Springleaf Financial, which has merged with OneMain Financial recently. I am unable to obtain accurate and timely information about my account and payments due from OneMain. On XXXX XXXX, 2016, I made a payment of {$730.00}. This was for reinstatement of the loan to current since I had missed XXXX payments ( XXXX - XXXX 2016 ). My monthly payment amount is {$170.00} on the XXXX of each month, so I assume the difference of {$32.00} included late fees? On XXXX XXXX I spoke with a representative about my XXXX thru XXXX payments. The representative explained that I was past due for XXXX and XXXX ( true ), and that the XXXX payment was due on XXXX XXXX as per usual. The total amount due was {$570.00}. I questioned this amount because {$170.00} XXXX 3 months is NOT {$570.00} ; there was a difference of {$45.00}. She explained that there were late fees outstanding and an NSF fee from XXXX 2016. This was a surprise to me because if I paid a lump sum on XXXX XXXX, all fees should have been included in the 'amount due ' when I made the payment. The rep confirmed the fees were not included. She stated that she would request a waiver of a {$15.00} late fee and payment of {$350.00} would bring me current until my XXXX XXXX payment of {$170.00} was due. 

Alas today is XXXX XXXX and my account still shows a past due balance of {$570.00}. I called OneMain to question why my payment of {$350.00} has not been applied, and what happened to the late fee waiver? The rep explained that on his end he can see an amount due of {$200.00}. I have enclosed a screenprint of my online account so you can see the amount online does not match what the rep instructed me to pay. He then came back and stated that the late fee waiver was not updated in the system because they are n't reflected until the payments post. Why has my payment not posted in 8 days? 

I am further frustrated by the lack of any valuable detail on my billing statements. They do not break out the origin of outstanding fees, the date said fees were incurred, how my payments are applied toward principal, interest, etc. I have attached several months of billing statements to substantiate this claim. These billing statements are as useless as the online account. The representative I spoke with today is now confirming that I only owe today 's payment of {$170.00} which I have literally NOWHERE in writing. The rep states that he can send a 12 month payment history to validate how my payments have been applied but I have no confidence whatsoever.
Consumer complaint received 2017-01-11
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE ()

Despite being a fully verified customer by Western Union, XXXX and having made XXXX transfers to the same person through WU, I made and paid a transfer of funds to my girlfriend in the XXXX on XX/XX/XXXX 
WU accepted the transfer and sent me a confirmation of this. 
Several hours later my girlfriend emotionally distraught manages to send a pro bono email from an internet cafe informing me that she was refused the money by the WU money collection point by telling her the transfer had been rejected and returned to the sender on the grounds of her name. The clerk insinuated and made references that my girlfriend was possibly " a XXXX '' or " a money launderer '' which left my girlfriend not only penniless but deeply hurt as it 's as ludicrous as suggesting that XXXX XXXX was " a XXXX '' or " a money launderer ''. 

-Western Union NEVER even contacted me to inform me that the " approved '' transfer had suddenly been rejected. 
XXXX I phoned WU to verify that my transfer had been sent back the XXXX WU operated did confirm this but REFUSED to provide any info as to " why ''?? 
I was told that 'WU is n't legally required to notify a customer of anything if they suddenly change their mind about a service ' and that my money would be returned within XXXX business days. 
-I phoned WU back on the XXXX of XXXX XXXX ask why I had n't recieved my money refund. The WU operated told me that the refund was returned to me on the XXXX of XXXX 2016. I told the operator this was untrue and a lie as NO MONEY had been returned to me. The operator informed me " they would investigate the matter and eventually get back to me ''. 
-The following day I sent an email to Western Union customer service centre asking them to please return my money. 
-They replied saying they were " sorry '' for any inconvenience and to 'make this up to me ' they would return MY money eventually. [ XXXX XXXX XXXX - Customer service representative-Western Union ] -I replied saying that it was the worst and poorest attempt I 'd ever experienced in XXXX years of business experience of a company trying to solve a customer complaint. 
-Western Union XXXX in XXXX sentences telling me in fancy words 'Take it or leave it ' [ Ieva XXXX XXXX - Customer service representative-Western Union ]
Consumer complaint received 2016-03-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (DC)

I entered into a loan agreement with Western Sky which handed off to XXXX. I have been paying almost {$300.00} a month for almost 2 full years. I owe now more than I originally borrowed. They take only $ XXXX- {$6.00} of my payment to the principal and apply {$290.00} to interest. I was in dire financial straits when the loan was first taken out. I am now just living on my Social Security. It has become quite a hardship for me.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

This is a follow-on to the response that Bank of America had sent on Case number : XXXX. 

I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

I traded my XXXX Toyota 4runner in on XXXX/XXXX/XXXX. The payoff check was cut on XXXX/XXXX/XXXX. My last statement shows that my next payment was due on XXXX/XXXX/XXXX. This check was clearly not 30 days past due which is what Toyota is reporting to the credit bureau. I contacted Toyota as soon as I realized that they had not posted the payment to my account. I was told this would not effect my credit report because they did in fact have the payment on time. I called the following 3 months and was told each time that my credit report would be fine as they did have the payment in hand. In XXXX I pulled my report and found they had reported a late payment. I mailed my dispute to the credit dispute research team who never contacted me back. When I called again to follow up I was told there was no one I could talk to, but they would send a note over letting them know that I had never received a letter regarding the investigation even though the investigation was closed and they had determined I was at fault. I have never in my life missed any payments and their representative had no further suggestions for me to be able to get this scar removed from my report. She simply said my payment was late and they were required to report it and that I need not go on and on about it. Given that the balance was paid in full on this account shortly after the " late '' payment I would think that a request to remove this late payment would be granted give then circumstances and evidence provided. I also contacted XXXX during the course of the confusion who also called Toyota and was told this would have no effect on my credit report. Shame on Toyota for your terrible customer service.