davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX 2015 I submitted written request to close my Citibank , N.A . Checking, Checking Plus and Money Market Accounts. The accounts had XXXX balances. In XX/XX/XXXX I sent a follow-up letter as I kept receiving statements. No response was received. In XX/XX/XXXX I received a threatening Citi ( XXXX ). I responded stating the a/c was closed, asking them to correct their records. In XX/XX/XXXX I received a Citi ( XXXX ) threat letter aimed at collecting debt! This debt more than likely represents rapacious fees imposed after the account should have been closed -- with interest and late fees tacked on, I am sure! This letter asked me to call, and did not advise that I would be waiving some of my consumer rights by doing so. I responded in writing pointing out the account was closed. A few days later, a threat letter specifying over {$600.00} was unpaid and overdue, was received under the same Citi ( XXXX ) name. I am sending a response in writing again. 
This is harassment at this point. Citi has ignored my instructions to close this account, which had no balances or overdrafts. Citi has not responded to my written requests to close this account and provide status. I had accounts here for 25 years. How deceitful and dishonest Citi has become, with low customer service standards. There is not one shred of decent customer service on display here.This company is clearly out of control. It is not observing basic consumer law. I need help dealing with this arrogant, out-of-control bank.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are XXXX collection accounts in my Transunion credit file that are older than 7 years and should be removed. In XXXX cases the collection agencies move the open dates of the original debt in order to keep the debts within the 7 year window. This is a common practice with large debt collection companies like XXXX XXXX and XXXX, XXXX and they should be investigated for using these tactics.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation (NJ)

Entered in a mortgage modification with Franklin Credit Management Corp in 2011, terms : " A '' .give them {$150000.00} which I gave them, " B ''. Make XXXX payment of XXXX a month for 6 months which I did, " C ''. I was to be giving a permanent modification once A and B were completed. Permanent modifications agreement terms. {$150000.00} mortgage over 40 years with monthly payment of {$930.00} a month, balloon payment end of 40 years of {$170000.00}. Pay my own real estate taxes and home owners Ins. ( no escrow ) They are still trying to foreclose and will not honor the agreement. They now have another mortgage servicer involved XXXX mortgage servicing, XXXX new York.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TX)

I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you
Consumer complaint received 2016-01-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I was approved for a loan modification through Nationstar in XXXX. I have made all payments on time as required. While recently pulling my credit report. I noticed they reported I am 90 days late. I called them and asked why and they stated under the modification loan, I am not paying the full amount. They never said this was going to be reported to the credit bureaus and it was never stated in the paperwork I signed. This modification has only saved me XXXX dollars a month and Nationstar will not remove it. I have disputed this with all the credit bureaus but I need Nationstar to cooperate as this is unfair and has destroyed my credit.
Consumer complaint received 2016-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Firstsource Business Process Services, LLC (NC)

this account was a result of my identity being stolen and yet their is a collection for services or things that i never was there for it was opened because of my identity being fraudulently used ... i have since filed updated police report and notarized affidavit of id theft from the ftc
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ESCALLATE, LLC (OH)

Collection company is trying to add " accrued '' interest on my daughters account ( she is a XXXX ). This is not the first time they have try to add accrued interest on my accounts. I 'm sure I 'm not the only one that the company has done this too.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Debt Recovery Solutions, LLC (FL)

As part of my move from XXXX to XXXX in XX/XX/XXXX had paid of XXXX for XXXX services in full. However, XXXX ended updating their records incorrectly and handed off my 'closed account ' to a Debt collection agency called 'Debt Recovery Solutions - DRS '. 

DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. 

Despite not owing to pay anything to XXXX or DRS on a low moment I paid off the {$280.00} when DRS promised to delete the 'negative consumer credit reporting ' as an error on their side by XXXX of their collection agent by name XXXX XXXX on XX/XX/XXXX. 

However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. 

This issue negatively impacts my credit rating at the XXXX, XXXX & XXXX and request your intervention with DRS to get this deleted as 'No Fault ' of mine.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (MD)

Dear CFPB Staff, I am in the process of purchasing a home with PNC Bank Mortgage Division. Based on the recommendation of my real estate agent, I had notified the PNC bank on XXXX XXXX, 2016 to go ahead and order an appraisal and I signed all my mortgage paperwork on XXXX XXXX. My contract was ratified on XXXX XXXX and the appraisal contingency was due at XXXX on XXXX XXXX. Despite my reminders to the PNC loan officer about the appraisal due date multiple times, I did not receive the appraisal report until XXXX XXXX on XXXX XXXX. I went over the appraisal report the first chance I got and had noticed some gross mistakes, including " full size washer and dryer in bedroom closet, '' and " whirlpool tub '' which neither exists. I sent the loan officer an email with full description of the mistakes among others at XXXX. Almost a week later now on XXXX XXXX at XXXX, I still have not received a correct appraisal report. The loan officer was trying to argue that the appraisal report WAS sent before the deadline -- -but with multiple mistakes that could indeed impact the appraised value?? PNC bank while having had my ratified contract around XXXX XXXX still missed the appraisal contingency which resulted me not being able to negotiate to the potentially lower appraised value. I have contacted the PNC customer service who was supposed to connect me with the supervisor of the branch manager as the brank manager ( XXXX ) has been out of town all week, but the supervisor, XXXX XXXX XXXX refused to speak to me and ended up sending someone from the Branch who sounds very young and completely inexperienced on management skills. XXXX XXXX XXXX did not introduce himself when he came on the line for who knows how long after I had waited for several minutes. He basically had nothing to add but just told me to keep waiting. I am curious in this case, what rights do I have as a consumer and what recourse do I have that a bank such as PNC which failed to meet the appraisal contingency and pretended that the grossly inaccurate report was their extent of obligation to fulfill the appraisal contingency? I am XXXX for 4 years and just returned to the XXXX area and a bit puzzled about the mortgage business practice. Sincerely appreciate CFPB 's help.
Consumer complaint received 2015-04-16
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ECMC GROUP, INC. (OH)

I have student loan debt and was in default for a long time. When I finally got a job I did n't really make enough to make payments, but instead of trying to work out a solution I ignored the problem for a while. I finally started working things out in 2014 and qualified to consolidate all my loans but XXXX, which were getting ready to garnish my wages. I asked the collection company if they would release them to be consolidated but they refused. My wages are being garnished at 15 % of my total income, not just disposable income. It is my understanding that it should be 15 % of whatever I make over the federal poverty level. I have tried to ask the collections to correct it, but they said that my employer must not be using the form given them to figure the correct amount. Bottom line, I can not be self sufficient and be on my own with this amount of money coming out of my check every pay. I would like them to adjust the amount they take or add those loans to my consolidated loans in which I qualify for the income based repayment plan which is more affordable to me. I do n't want to end of losing my job because I ca n't afford transportation there. My living expenses are a hardship just to take care of bare minimum items.
Consumer complaint received 2015-04-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently notified my banking institution, Merrill Lynch, that my husband and I were traveling outside of the country and wanted to use our debit cards while traveling. The bank was courteous and notated the accounts of our impending travel. I was able to use my debit card while in XXXX and had a wonderful life-altering experience. Upon our return to the States, our accounts were frozen without any notice. We contacted the bank and were told a multitude of possible reasons by several representatives to include the following:1. I attempted to login to my account while XXXX2. My husband carried a negative {$17.00} balance on XXXX of his personal accounts that was not tied to my personal account3. Our accounts were XXXX XXXX Accounts and we were n't conducting any share purchases. 
Of note, we XXXX held our accounts with Merrill Lynch for over two years without issue. Ultimately, my issue is not the bank 's ability to terminate our banking relationship. My issue is that the bank has put a hold on my assets without any legal justification. I have been told by several Merrill Lynch Representatives that I can not access my funds until the Operations Team Lead, XXXX XXXX XXXX, lifts the hold on my account. In the interim, I have no access to my money. The hard-earned money that I got up and went to work for has been seized for more than forty-eight hours because a too big to fail financial institution arbitrarily decided to terminate our banking relationship. This situation has left me void of funds to file my taxes timely, pickup prescriptions XXXX and the like ; yet no one seems to feel this situation warrants immediate action. Additionally, any transactions that were due to hit my account will be returned. Again, no one sees an issue with this banking institution 's ability to bounce transactions in my name. Last I heard, XXXX XXXX XXXX 's name is not currently being dragged through the mud with a insufficient funds sign attached to it. I am utterly appalled and quite frankly disappointed that in this country, consumers can be treated in such a vile way.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a entry on my credit report that was previously disputed. I reached out the to the company to request a verification of the debt as I expressed that it was not mine and that i was disputing the debt in its entirety. As per the FCRA 30 days elapsed and there was not written response mailed to me so the law stipulates that this must be deleted. I expressed this to Transunion however the entry remains on my credit report, which is in direct violation of the FCRA laws.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union has ignored my pleas to them about being a victim of identity theft. They have not deleted the items that I have provided them a police report for. They are ignoring my consumer rights. I expect fraudulent items to be deleted not play games about filing out forms to have a " fraud alert '' on my credit which does ZERO to get these fraudulent items off my report and does NOT stop identity thieves from stealing my identity. I will get a freeze once TU gets off their hands and does their jobs!
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Northeast Recovery Solutions, LLC (KS)

After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling in my county, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XXXX XXXX, XXXX, I filed complaint # XXXX with the CFPB against Bank of America ( BOA ). This complaint describes neglect and terrible service and business practices by BOA that caused my loan to go into default in XX/XX/XXXX. 
I would like to file a complaint because BOA did not provide a response to my complaint. 
The CFPB file shows that BOA did send a Response to CFPB on XXXX XXXX, XXXX stating they had provided a response to the complaint and will do no further investigation. BOA did not send us a copy of this response or inform us that it had been sent to CFPB. 
The CFPB file has a link to review the " full results '' of the XXXX XXXX, XXXX, response, but no information is provided. 
A note from BOA on the CFPB file dated XXXX XXXX, XXXX, states : " We ca n't include the full results directly in this email because they sometimes have sensitive information. '' In addition to opening a new complaint, please do not close my complaint # XXXX because BOA has not responded to it and because BOA has not provided notice to me that a response had been sent to CFPB on XXXX XXXX, XXXX.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (IL)

I co-signed a auto loan for my cousin. After 6 months she refinanced the vehicle. I was told everything would be taken care of. She refinanced and one day I get a call saying that the car note is late. I was shocked because I thought she 'd refinanced. So the truck was repossessed and now it 's on my credit report.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I went into Bank of America XXXX branch located @ XXXX XXXX XXXX, ma XXXX. I was making a deposit for a business that I am an employee of. The teller, XXXX XXXX, asked for my license in order to complete the cash deposit. I complied with his request and handed him my license. I asked for a copy of the banks privacy policy regarding personal information because he was entering into his computer all of the information that was on my drivers license. XXXX XXXX refused to produce this document. I called Bank of America customer service ( XXXX ) to ask for a copy of their personal information privacy policy and they refused to supply that as well. The phone operator told me that she could put in a request for this information to be sent to the account holder but that since I did not have an account I could not have access to this information. I strongly believe that the Federal Privacy Act is being violated in this instance. I have the right to limit the sharing of some of this information and I am not being allowed to do this.
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Coastline Financial Resources, LLC (GA)

This debt collector is harassing me at my place of employment. They asked for the owner and told them that they needed to know what the protocol is to serve one of their employees with court papers. They told my boss that it was an emergency that I called back within the hour, saying it was a legal matter. I was pulled away from a client at work to call these people back. I called them, and they would not explain to me who they were and what the matter was shot and kept putting me on hold. I finally got upset and told them that I stepped away from a client and they need to tell me what they want from me and who they are. The last told me to go back to my client then and call later. I said NO, I 'm on the phone now, now tell me what you want? Then she said " I 'll tell you what I want '' and hung up on me. My boss called them back to see what was going on and they preceded to tell her that they needed to talk to me. I got on the phone and they claimed I owed a debt from a credit card that was opened from XXXX. I told them it 's not mine and they kept insisting it WAS and that I was going you be sued and my papers ares on their lawyers desk.. I told them I 'll get to the bottom of it and check my credit report to see if It was some mistake. I hung up with them, then they called my cell phone the next day leaving me a voice message that if I do n't take care of this matter today, that they will be taking further action. This is a scam I believe and I 'm sure the statue of limitations had also been passed. They were very nasty on the phone.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

I submitted a qualified written request to Seterus concerning a payment dispute and incorrect payoff. The dispute letter included detailed information and proof of all payments made showing that the borrower ( my client ) is current on his mortgage account and that the payoff should be lower to reflect these payments. Seterus received the dispute by certified mail on XXXX/XXXX/15 and sent a letter acknowledging receipt on XXXX/XXXX/15. Seterus then sent an XXXX/XXXX/15 letter to my client directly ( rather than to me as his attorney ) stating that it was still in the process of reviewing the request and needed more time. To date, no other correspondence has been received and Seterus has not corrected the error on the account. Seterus continues to report the account as being delinquent ( despite the proof provided showing that it is current ), and is threatening the borrower with foreclosure. 
Seterus has failed to respond to the written request or correct the error on the account, as required by 12 CFR 1024.35 ( e ).