davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

XX/XX/XXXX : Paid the total amount due on the Citi Credit Card.
XX/XX/XXXX : Check account to verify that all balances were at XXXX. Discover a new charge of {$69.00} has been added. Make payment in amount of {$69.00}. Total account balance is now at XXXX again. XX/XX/XXXX : Check account again to verify balance is at {$0.00}. Discover a new charge of {$45.00}. Contact Citi, and I am told that even though I paid off my balance, interest fees continue for up to two months after. I pay the {$45.00} balance and close my account. Associate asks if there is anything to remedy that problem, I say to credit me that two interests charges that I have been charged since paying off the total balance due, and I am told interests charges are hard to overturn. I close my account. No other card I have ever had has continued to show a balance after I have paid off the account. I feel that the way Citi has done this is deceptive, because most people will pay off the balance and figure that they are done. If I had n't checked on my own to verify my XXXX balance, I would still be accruing late fees etc for not paying on an account that I thought was at {$0.00}. As of this writing, I ca n't be 100 % sure that I wo n't have another interest charge in another month.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Consumers Inc (VA)

Recently I received a notice from   XXXX   XXXX   that a new item had appeared on my credit report. When I checked, it listed an account wi th United Consumers ( acc t. #  XXXX   ). I contacted United  Consumers and spoke to  XXXX   XXXX  who told me it was a charge of {$180.00} due to  XXXX   XXXX   XXXX . She said that it was for natural gas charges owed on a previous address. I told her that I had my gas with   XXXX   XXXX   XXXX  and that when I moved, all charges were paid and my deposit was returned because all charges were paid. She explained to me that  XXXX   XXXX   XXXX  provides natural gas to   XXXX   XXXX   XXXX , and that even though they were always charged on  one bill, upo n termination the bills were separated. I never received a bill from  XXXX   XXXX   XXXX , or I would have taken care of it at the time. I asked  XXXX   XXXX  why I had not been contacted and she said they had sent a letter to my old address and had " assumed '' that it had been forwarded. I told her that I was willing to pay, even though there was no proof offered that I owed the debt, as long as it could be pulled from my credit report. She said that they are not able to pull information from my credit report that  XXXX   XXXX   XXXX  are the only ones that can do that.   I then contacted  XXXX   XXXX   XXXX   XXXX   to discuss this ( original acct #  XXXX   ). I  spoke with  XXXX  and explained the whole situation. She seemed sympathetic but said that this would have to be handled by the " back office ''. I asked her if there was anyone I could talk to and she told me that I could only send my complaint to the back office via  XXXX  XXXX  XXXX . I sent them an email with my concerns and request on  XXXX / XXXX /  XXXX  . I have yet to be contacted by anyone regarding my request. I have since looked to find any office information where I can handle this in person, but  XXXX   XXXX   XXXX  has no public offices listed. It is very difficult to take care of an issue when the only possible way of dealing with it is to contact ( via faceless email ) some so-called back office.   I am not trying to get out of paying a legitimate debt, but I was not properly notified and given an opportunity to take action. I am willing to pay what I owe, but due to the circumstances believe that it should be pulled from my credit report.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a go od credit score. I agre ed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would take  2-3  weeks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would take  XXXX  MONTHS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue an d my credit score wo uld not be impacted.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

After my last compliant with Navient not applying my full payment I now see that they have added a late fee to the Consolidation Loan which is NOT  Late. You will see  from the documents that the payments are do for the smaller loans on the  XXXX  and the Larger Consolidation Loan on the  XXXX .     We as you see from my attached statements that the online system is showing a late fee of {$38.00} for my Consolidation  Loan  is being added even though you can see all my payments were are on time. After my forbearance my first payment of  XXXX  was due o n  X/XX/17     which I paid in full ( the payment include a number of fee which they did not want to properly note on my account ). Now I see that they have added a {$38.00} fee to my  may  bill for the Consolidation Loan account even though I paid the bill on    XXXX   XXXX    in full for the mount of {$690.00}, the other  XXXX  was paid to the other loans that was due on    XXXX   XXXX   XXXX     .     Why does  XXXX  continue not to process payments properly?
Consumer complaint received 2017-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

On    X/XX/2017      I received a call from a representative of  OCWEN Loan Servicing i ndicating my loan was in default. I had no idea what he was talking about. He told me that my escrow account was short, I believe  XXXX  or  XXXX   XXXX  dollars. I had never heard of such with a loan so old (  XXXX   years old  ). One of the most confusing things about the conversation was he, the representative, could not tell me how he arrived at that figure. Usually the mortgage company will send a copy of the escrow account with how all accounts have been paid, if there are shortages, and when they are due.     Finally, after I saw he could not explain himself, I requested a copy of escrow account to be faxed to me. It took a while for him to get the information. I 'm sure they have procedures in place, but it took him a while to get it together. After a while I told him to fax it to me when he got the documents I needed.     However, I did receive the fax. After I reviewed the escrow account, I could not understand how they came to their conclusions. So, I called for explanations. There were none, that I could understand. I asked several times ; how did you come up with these projections. I was told RESPA allowed them to use projections but he could not tell me by how much. I kept asking, what 's the criteria for the increases? That question never got answered. I know a {$4000.00} projection or {$400.00} a month is unreal, on this property for sure.     Bottom line, my taxes and insurance have been consistent for years. Maybe a little increase here or a little there due to an increase in insurance, but never to the point that payments are increased by {$400.00} a month. That does not make any sense to me.     Not only did my payments go up, but my account is now delinquent. That has never happened before.     Maybe it 's because I have a low balance and in a good neighborhood, and maybe they are using increased escrow as an excuse to cause problem s. OCWEN Loan Servicing bought thi s loan a few years ago. Until now everything has been pretty good.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX    XXXX   XXXX     XXXX   XXXX , GA  XXXX  TransUnion, LLC   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       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  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo/Health Advantage off ered a product satisfaction guarantee as offered by both  XXXX  and  Wells Fargo/Health Advan  tage. If the h  earing aids did not w ork to satisfaction within period then return the hearin g aids and the y would credit the card back and cancel the transaction.     I returned the hea ring aids  to  XXXX   XXXX   XXXX  in  XXXX , TX and notified the company that I returned them. I cont acted Wells Fargo a nd told them. They promised to refund and close out this credit card account.     I never even received this credit card. It was just a promotion wit h Wells Fargo and    XXXX   XXXX   XXXX  that I saw on tv offering 0 % interest for  one year and  product guarantee 100 % satisfaction.     I could never hear or wear the hearing  aids because they  never worked.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (HI)

In  XXXX   2017, I received a debt collection letter from State Collection Service , Inc., for {$8.00}. I immediately called the debt co llector and asked what this amount was for. Customer rep said if I owned a  XXXX   XXXX . I said no. She then said Okay, sorry to bother you.     In  XXXX     2017, I rece ived another debt collection letter from the same company but this time saying I owe {$93.00}. I immediately sent them a Debt dispute letter requesting they provide proof it is my debt by sending me signed contract agreement, detailed and explanation of how they came about this amount.     On  XXXX   XXXX  , 2017, the y respnded to my letter and failed to provide me the information I requested to validate the debt. It still does not show how they came about this amount and any signed contract that I agreed to pay this amount. And now they are claiming I owe {$110.00}.     This company is fraudulently trying to collect money from me. They keep changing the debt amount and failed to provide proof it is my debt.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX  DOUBLED TAXES/INSURANCE in escrow.    XXXX   XXXX   XXXX  - Letter stated payment would go to {$1400.00} on  XXXX   XXXX   XXXX  from previous monthly amount of {$1100.00} *Discovered their escrow include my yearly taxes and insurance doubled  XXXX   XXXX  - made payment of {$1100.00}. invoice said {$1100.00}  XXXX   XXXX  - Made payment of {$1400.00}. invoice said {$1400.00} I paid on phone with rep who said they would do an escrow review to resolve the issue with double tax/insurance on escrow . * T his is over payment of {$260.00} for  XXXX   XXXX   XXXX  - made payment of {$1100.00}  XXXX . invoice said {$1400.00}  XXXX   XXXX  - made payment over phone of {$1100.0 0} (   XXXX ? ) after several harassing phone calls to me about payment overdue discussed the issue with double tax/insurance in escrow. On phone for  XXXX  mins and then they disconnected me. Called back and was on phone  for 45  mins spoke to  XXXX  and  XXXX   (  tax dept ) no number given.  XXXX  stated she could see the double escrow and it just needs to be removed. Told them I would be reporting the issue in 15 days if this is not properly resolved.    XXXX   XXXX  - Called again to resolve the " overdue '' after I received letter in mail dated  XX/XX/XXXX   XXXX   XXXX  - made payment of {$1100.00 } (   XXXX ? ) invoice said {$1700.00}.    XXXX   XXXX  - after several phone message to me from SLS I returned call. On phone for 30 minutes. They said they have not received payment for  XXXX ! I once again asked if they had issues resolved and also what happen to my (  2 )   XXXX  payments. Was disconnected again.    XXXX   XXXX  - Billing invoice for  XXXX  states I owe {$2900.00} which doubles what they continue to incorrectly bill me for my monthly invoices ( {$1400.00 } ).      By my account they owe me : - {$1100.00} double  XXXX  payment - {$260.00} for over paying back in  XXXX .   TOTAL of {$1400.00}.     They have been horrible to deal with from constant phone calls and messages at all times of the day/evening to their inability to resolve issues even after they agree the issue is theirs not mine. The extra money and funds they are holding is causing a financial hardship in my monthly budget. The time to have several lengthy phone conversations during my working hours is causing loss of work productivity that I should be compensated for.
Consumer complaint received 2017-04-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: V and H Portfolio (MD)

On XXXX/XXXX/XXXX my employer received a voicemail on a general line where a collector ( XXXX ) working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, stated that there is a case against me where they will be doing an asset review, so I need to respond. I immediately called back after the owner of the company asked me to call them and tell them never to call back again for their unprofessional method of contact. The woman who answered the phone never introduced herself, never advised what company she was answering the phone for, and never stated that the script that the call was to collect a debt. She continued to verify my information. After verifying my identity, I asked her to remove the number of contact from her file ( identifying it as my employers line and they do not want this company calling again ), and was told that she will continue to call the number and harass other numbers on my file. I told her by law she can not. I told her I was not aware of the debt and would like the debt validated, as I am unsure if this is related to an old car loan where I was not responsible for the balance owed due a valid dispute with the company ( which was provided to the original lender over 12 years ago ). I was told that they would not validate the debt. And in addition she said that I am receiving mail from them but they do not have a valid address on file. <P/>I called back again due to the unprofessional nature of the Representative, this time another woman who did not identify herself answered, she again did not verify who I was. I asked her for the information of the company which she did provide, then asked her who do I address my complaint with. She went right into divulging details of their case, and said that the rep did note the account that they should not call the business. I explained that the rep was threatening to continue calling and harassing after being told not too. She said she did not meant that. The woman ( supervisor ) never took the time to verify who I was either, and continued to tell me that my asset would be up for review, she did not even tell me the call was for the purpose of collecting a debt either. But I explained to her that our calls here at work are recorded due to the nature of the business, so I have everything recorded. She did not contest the recording.I can and am willing to provide the recordings.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (SC)

I 'd paid my debts on  XXXX   XXXX ,   XXXX   and it 's yet to reflect that on my credit report. After calli ng JeffCapSys as recent as last Thursday ( I was initially told they report on the third Thursday ) which they now say that the company reports to credit bureaus on the third Friday! I 'm sick of it! Fix it!
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (TX)

This was on my background check for employment : Court Searched Distric t And County Co urts Case Type Conviction Case Level Misdemeanor Case Status Closed Case Offense Date  XXXX  Offense Type Misdemeanor Offense Description   XXXX   XXXX   XXXX   Disposition Date  XXXX    Disposition PLEA NOLO CONTENDER Outcome Conviction 1. Sentence Type : Jail ; Sentence Length : 120 Days ; Consecutive/Concurrent : Consecutive 2. Sentence Type : Probation ; Sentence Length : 12 Months ; Consecutive/Concurrent : Consecutive Number ( 1 ) did not happen.
Only number ( 2 ) did ; plus it was 17 years ago!
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

I p ay Navient ( fo rmerly  XXXX   XXXX   ) with  a direct monthly scheduled payment from my bank account. I went to refinance my home in  XXXX   XXXX ,  XXXX  in  XXXX  or  XXXX . I was told  XXXX   XXXX  said I was delinquent  for seven mo nths. I checked my bank records and say I had paid every month. They were say ing one month I was  x number of dollars late and it always a different amount, no explanation, I made an appt. and when I got there was told " no it is next we ek '' WRONG. I c alled and called and finally I filed a claim in small claims court asking for {$1.00} and my credit being cleared up. They cleaned up my credit ( never a {$1.00 } ) by the  way.   Recently I am seeing the same thing. I pay the agreed upon directly scheduled monthly. Now they are saying I am x number of dollars delinquent again. I called recently and did not receive any satisfactory answer. I then mentioned I was unemployed and wanted a temporary deferment. I was told that could not happen until I defaulted. I value my credit and want to get this settled once and for all. I went to  XXXX  for two years and graduated in  XXXX , they claim I still owe them over {$30000.00} after ten years.  XXXX  is $  XXXX  a year.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There was a collection account with  XXXX   XXXX  ,  XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (DE)

I went to use  my PNC credit ca rd to make a purchase at  XXXX   XXXX  on  XXXX   XXXX  and the card was declined. When I contacted the bank, they said it was because the payment which was a transfer from m y PNC checking account to the PNC credit  card account that was made on  XXXX   XXXX  was being floated and had not applied yet. Since when is a bank allowed to float an internal transfer of funds?