davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Check City Partnership, LLC (NV)

I was receiving daily phone calls from Check City regarding setting up a repayment plan on a payday loan that I was not able to repay when it was due. They pressured me to promise to pay more than I could afford and I told them this, but they continued to use high -pressure tactics to make me agree with them which I would end up doing in order to get off the phone. XXXX agent even starting yelling to her co-workers " she 's lying, she is not going to pay '' while using these colelction techniques. 

Then they would call me every day afrerwords even though we had come to an agreement and we would have the same pressure conversations causing me emotional stress. If I did not answer my cell phone they would repeatedly call my job, EVEN AFTER I SPECIFICALLY TOLD THEM I HAD GOTTEN IN TROUBLE WITH THE HEAD OF SECURITY, and they would make the receptionist give me a hand written note. 

In addition to this, they repeatedly called my boss and left him messages regarding the debt and he spoke to me about it as they were bothering him at work as well. This caused a strain on my work environment and additional stress to me personally. 

They also called my mom repeatedly as well as my long-time friend regarding the debt. 

The interest rates they charge and the amounts they loan put you in a cycle where you are unable to pay them back, and they will not allow you to make reasonable payments. I am responsible for agreeing to the " quick money loan '', but was not prepared for the horrible experience that i was getting myself into. Check City, however, is perfectly aware what they do to people who are facing having their water shut or electricity shut off with a child in the house and not only do they prey upon them, they proceed to harass and belittle them and make sure your job, family, and friends are aware of your personal financial situation as well. 

Shame on them. Perhaps if they would lower their interest rates to 100 % instead of 400 % - 500 % they would get paid back more often and still make XXXX times the interest a credit card company makes.
Consumer complaint received 2015-11-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collection Bureau of Kansas, Inc. (GA)

i was contacted by collection bureau of Kansas via phone i verified who i was and last for address then she kept asking questions about income ... .all before telling me what this was about then was told this was to collect a debt instead of initially something from XXXX or XXXX i explained i filled chapter XXXX bankruptcy she persisted to make claims i stated all my debt were covered not to contact me on this because i do not owe it and disconnected i then received this letter in the mail a few days later
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I recently opened XXXX checking and XXXX savings account with Citizens Bank in Massachusetts. XXXX checking account was for a business and XXXX checking/savings account was for personal use. To open the accounts, I deposited XXXX checks totaling {$22000.00}. XXXX of the checks I deposited was a cashiers check in the amount of {$7500.00}. For whatever reason, Citizens Bank decided not to use the funds from the cashier 's check to open the accounts and used XXXX other personal checks instead. These personal checks, totaling another {$7500.00}, were not honored by the bank they were drawn upon. I spoke with the person that wrote the checks and he confirmed that the monies are definitely in the account and available. He suspected that they may have expired which caused them to bounce. I am now being told by Citizens Bank that they intend to charge me {$40.00} in fees due to these checks bouncing. In addition, they are placing a hold on all of the other checks that were deposited including the cashiers ' check. When I asked why they did n't use the cashiers check first they could n't answer and stated that they have a hold on these funds. Were they to use the cashiers check first, I would not have had any issues and would n't be charged the {$40.00} in fees. I would like to know why the cashiers check was not deposited first, why there is a hold placed on the cashiers check and why I 'm being charged {$40.00} in fees.
Consumer complaint received 2015-06-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My wife and I have completed a FHA home modification. It has taken nearly XXXX years and XXXX lenders to get everything completed, but it is finally complete. However, The initial lender that we began the process with, Bank of America, promised to remove the derogatory remarks from our credit reports for the length of the modification period. However, this still has not happened. I have disputed the information on our credit reports XXXX times now and gone directly to Bank of America. They sent me to my current lender, XXXX XXXX XXXX XXXX, who sent me back to Bank of America. This process has been a nightmare and the runaround I have received from Bank of America already caused my modification to stretch out from XXXX months to XXXX years. I managed to save my home. Now I just want our credit fixed.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

They call me numerous times a week from unknown phone numbers or multiple numbers. It is portfolio recovery, sometimes it will say portfolio recovery and other times it does not. I always block the number number and they call me from a new number. I've answered once and I hung up on them. I would pay the collections if I had the funds. No other debt collections agencies have contacted me whatsoever. But portfolio recovery calls me so often.
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

We were mailed a letter from Pioneer about an open debt due to not having coverage for New York State Workers Compensation XXXX on XXXX XXXX, 2015. They called two weeks later explaining if within 7 days we got coverage they could drop the penalty fine. We did so, I called back to show proof and make sure they gained the information of the coverage. They confirmed, I then asked when is the latest/due date for when the debt is owed. I also stated I am authorized to make payments, however the owner is the XXXX to decide when, and from where ( we have different accounts as well as if he wants to mail a check or pay over phone and by what method ). I stated that the XXXX of our schedules were off so I will have to sit with him for him to decide and by the XXXX they will be paid. Within a two week span I received XXXX calls, even when I was not in the office and in meetings of trying to be reached to obtain the same debt that I had stated would be taken care of by the date I asked is the latest. On the XXXX I received yet another phone call and was actually around to take it. In the phone conversation they asked the same information, I then repeated if I did not have until the XXXX to make this payment and why are they constantly calling if they gave me a due date? I was forwarded to a manager, who just kept repeating the same thing. I informed them it was harassment to constantly pull someone away from their work to have the same repetitive conversation. I had stated I asked for the due date for a reason so I know when to have this settled and it is on my radar ( the same thing I said prior ), they then threatened other penalties that they would accrue on if they did not receive it by the XXXX. I agreed to whatever penalties were and stated they would either receive the check in mail by the XXXX or I WILL CALL them on the XXXX.Today is the XXXX and by XXXX they called.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Mortgage lender Ocwen. Forced Hazard Insurance on loan despite XXXX notices sent to them by me and declaration of Insurance sent to them by Insurance carrier. Ocwen has sent backdated notice that current mortgage because of forced insurance and other undecipherable fees will increase by over {$1200.00} in XX/XX/XXXX. I need help to resolve this recurring issue.
Consumer complaint received 2015-06-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (CA)

We provided all the documents they need to refinance our home mortgage. Home appraisal was done from our pocket. We were very upset about the XXXX months waiting for this home refinancing. We just wanted to rate the service of XXXX XXXX XXXX # XXXX as very, very poor and we would like to file a complaint about our experience ; very poor in communication! My husband called the secretary or assistant more than XXXX times and left a message all the time XXXX and also called XXXX 's cellphone so many times but no reply at all. We highly expected that they could help us with our loan because we were struggling financially and we were living paycheck to paycheck and hoping that they could lower our monthly payment and it did n't happen at all. All we want is their communication if they 're still going to process or not. We have waited for nothing! The money that we spent for home appraisal was wasted. And without them knowing, we paid late payments for our home mortgage and other bills because we 're expecting that it will be closed soon. We have an option to look for another banker or lender, so it could be done as fast as XXXX days. But simply informing us that they ca n't finalize the loan is an easy task to do but we did n't hear anything from them at all. Even my questions, worries and anxieties were not answered at all ( especially those bills that came regarding supplemental tax bill and updated home insurance ) which were already late too. He do n't have a heart to help others! We wasted a lot of money and time for nothing!!! They keep on giving us promises that it will be close by XX/XX/XXXX, then XX/XX/XXXX and now around XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CA)

I originally signed up for XXXX service on XXXX/XXXX/2015. The service never worked properly and I cancelled my service and returned all the equipment ( I have a receipt for the return of the equipment ) before XXXX XXXX, 2015. Their service never worked properly, and the cancellation falls under XXXX 's publicly advertised " 30-day guarantee, '' as stated below : '' We will give you a 30-day, money-back guarantee. 
If you 're not satisfied with our TV, Internet, Voice or Home services and wish to cancel for any reason, you can do so in the first 30 days and get your money back. Simply return all equipment in good working order and we 'll refund the monthly recurring fee for your first 30 days of service, any charges you paid for standard installation and any Home Secure and Control equipment purchased. -XXXX website '' I have called XXXX on XXXX separate occasions in order to resolve this issue. Being XXXX, I recorded the phone conversation, and have retained a copy of the recording. I have copies of all other correspondence with XXXX. 

Now they have sent my account to collections with Southwest Credit XXXX XXXX. Since contacting them repeatedly seems to have no effect, I am submitting a formal complaint to CFPB today.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TOWNE MORTGAGE, LLC (VA)

Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years.
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

I have already placed a complaint re : Carrington Mortgage Services and the problem with our escrow account. 
I would like to add that we are still getting no where with them. They continuely have computer issues " my computer is down so I cant see your account '' " I have limited access to the system, maybe you could call tomorrow '' They also state that they have not received paperwork from us. And they most certainly have. I have sent proof to them ( as they requested ) that our escrow account is NOT in a deficit! 
In the meantime, we are falling behind because they are not accepting payments from us. 
We will never get help from them!!
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NJ)

I have been a discover credit card holder since 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

This was my XXXX credit card that established my credit history as of 2012. 

XXXX months ago, without any warning and notice in advance, the company closed my account ( and also my checking account with Discover XXXX and thereby severely affected my credit profile and credit score. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX without a just ground. I believe that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. 

Thank you.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (MO)

I found today Experian had charged my credit card for " Experian *ProtectMyID XXXX CA {$39.00} '' I did not sign up for this service ; I already subscribe too XXXX XXXX, and credit monitoring service who guarantees XXXX dollars if your identity is stolen and your credit has been used and they do n't alert you. 
Well my identity has been stolen and if XXXX and XXXX credit reports look like Experian 's treatise XXXX pages front and back report along with XXXX financial company inquiries I 'm really going to be toast but I digress. 
I contacted Experian this morning and they will not cancel this service until XXXX, 2016 I have no idea why this a magic date but that 's what the customer service representative said. 
I would like the unknown service stopped and my money return to my credit card prior too XXXX, 2016.
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (MD)

My loan company Quicken Loans is trying to auction off my home. They have not allowed me the opportunity to go through mediation as required by Maryland law and they have not reviewed me for ANY programs that may help me save my home. This is an FHA loan and I have been told that there are several programs available on FHA loans to help homeowners who are struggling. I had a hardship and it caused me to fall behind on my loan but I have recovered from this and am working and trying to fix the problem with Quicken Loans. However, they tell me I have to pay them all the late payments at once or they will auction my home. I live here with my wife and XXXX children and I do not want this to happen. 

I bought my home in XXXX and completed an FHA streamline refinance through Quicken Loans in XXXX. In XXXX XXXX my wife was pregnant and she saw a large snake in our house. She was very scared and essentially refused to live in the house because she was scared for the baby and for our other small child. So we had to move out of our home and stay at my mother 's house for XXXX months. I had to pay my mother rent, as well as pay the utilities and mortgage payment on our home. A couple of months later I began falling behind on the mortgage payment. My wife insisted that I hire people to come out and clean out the entire house and treat it with reptile repellent. This was expensive and it took a while to get this done. 

Shortly after I began missing payments I tried to start the review process with Quicken Loans. I was assigned a case manager but I was rarely able to speak with this person, and instead talked to other workers who were not knowledgeable. This went round and round for XXXX months -- I would be told I am now in review with the underwriter, then I find out a couple of months later that the review was not completed because of this or that document and now we need to start over. 

This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I filed an identity theft report with All XXXX credit reporting agencies. XXXX and XXXX did investigations, got me my documentation and results. Equifax did nothing. They ignored the Police report. They ignored the Identity Theft Affidavit. They ignored a letter from my attorney. Equifax never blocked any of the information as outlined in 
605B. BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [15 U.S.C. 1681c-2], because they never did an investigation. Nothing has changed on my Equifax report except the XXXX deletion that XXXX did because of the XXXX investigation. In 45 days since my attorney sent Equifax a letter and over 90 days since my XXXX letter and over 60 days since my phone call to XXXX, we have received NOTHING!! Just a credit report copy that says the same thing as last month. No investigation documentation stating how the investigation was done, if one was done, what each creditor said or anything else.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The issue is with TransUnion. On XXXX/XXXX/2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana, XXXX did make an inquiry on my credit without my permission. I had only inquired with the dealership about a vehicle they was advertising on the internet, of which they no longer had in stock. I did not give them permission to make a credit inquiry on my behalf with the credit bureau TransUnion, XXXX, or XXXX. I have filed a dispute with XXXX. TransUnion refuses to help me at all. Plus TransUnion does not provide a 'English ' speaking person for me to be able to communicate with. Please help resolve this bogus credit reporting issue with TransUnion.
Consumer complaint received 2015-11-24
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

I went into cash my payroll check it is a Wells Fargo check. I handed my valid drivers license and was told I needed to provide a card with a XXXX logo on it. I do not use any cards with XXXX, it 's my personal choice. I was instructed that unless I supplied another card with a visa logo they would not cash my check. I had a XXXX XXXX card with my name on it that matched my drivers license but again they said no. This seems to be an Anti-competitive violation. Putting a Monopoly on XXXX and forcing a consumer to use Wells Fargo or XXXX. The check was a Wells Fargo check, it was a payroll check. I 'm not sure why me producing a XXXX logo card would make any difference vs a XXXX XXXX or even my XXXX charge card as long as it has my name on it. I personally do not think someone should have to show anything but their drivers license or a state ID to cash a check made out to them. This in my opinion is bordering on Antitrust, Anticompetitive and putting a monopoly on XXXX and Wells Fargo creating a competitive law issue. I was at the Wells Fargo Bank at XXXX XXXX XXXX PA, XXXX. I spoke with a manager but she had no name tag and insisted that the XXXX Logo was required to cash my payroll check. My restaurant is located a block from this location and does their business banking with Wells Fargo at this location. I went today XXXX/XXXX/15 at XXXX. Now I have no way to cash my pay check as this " new '' procedure does not allow me to use another merchant to prove my identity.
Consumer complaint received 2015-10-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

My husband and I mutually agreed that I would stay home and raise my daughter over the years. Now he has decided that he no longer wants to bear the burden and has cut us off financially and left us. He has always taken care of these matters and I have no idea how to proceed. I know that I have received notices but the strain has made me ill and I have been admitted to the hospital on a consistent bases - I am constantly fatigued and faint. Please, I am asking just for a short postponement of our foreclosure dates so I can short sale it, perhaps salvage some of my credit when I get on my feet. I can take care of myself and my daughter - I just need a little time. My realtor tells us she faxed everything to DiTech XX/XX/XXXX but we have never heard anything from them. Please help us.