davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

In XX/XX/2015 my service with XXXX was cancelled. A few weeks later I received a notice from a collection agency that said I owed {$270.00} ( which showed up on my credit report. ) I called the collection agency to work something out but they said they had sent my account back to XXXX for XXXX pieces of equipment that needed to be returned. I could only locate XXXX which I turned in. I was looking for the other XXXX. In the mean time the collection was removed from my credit report. I figured everything was settled. But I just recently got another notice from I C Systems collections that put it back on my credit report. I called them regarding the XXXX Returned equipment issue. They said they dont collect on returned equipment and that the charge was for service. I called XXXX and told them at the time this happened they said the charge was for returned equipment. Now they say it is the last bill for XXXX through XXXX. I told them the service was disconnected in the beginning of XXXX so how could I be charged for service that did n't exist? The rep mumbled something incoherent - then I asked him if I could get a copy of the bill. He said no they could n't supply a copy of the bill - I looked online and found dozens of complaints against XXXX for this shady billing practice along with even a class action lawsuit. It is unethical and abusive. They should not be able to milk extra money out of people on closed accounts.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (FL)

On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I tried to open an HSA ( Health Savings Account ) for my employee-provided health insurance. I was turned down by XXXX different banks because of bad data ChexSystems had allowed into my file. ChexSystems tells me that someone at another financial institution typed in my SSN with a completely different name as part of a credit inquiry. ChexSystems then flagged my file as so bad that I could n't even open a simple bank account. This affected my health insurance open enrollment, my participation in my health plan HSA, and cost me many extra hours of time and weeks to unravel with ChexSystems. The bad business practices of ChexSystems failed to detect this problem earlier, despite their systems having all the necessary information. Instead, they flagged me as high-risk at XXXX banks. I highly recommend that companies avoid using ChexSystems entirely. While this issue is now resolved, I hope ChexSystems will change their faulty business procedures to avoid harming consumers.
Consumer complaint received 2016-10-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo and Co. wrongfully closed my Roth IRA account number XXXX during 2016 without my authorization. I have had this retirement savings account for more than a decade and I know Wells Fargo wrongfully closed my account because I can no longer view my account information online. As such, I am seeking the CFPB assistance in order to recover my proceeds as soon as possible from Wells Fargo.
Consumer complaint received 2017-01-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (AL)

I have an account with XXXX XXXX and was told I was preapproved for {$11000.00} for a loan with Avant XXXX. It said it would do a " soft '' hit on Credit just to see if I was approved and OF COURSE, I was approved. So I go on to the next part which basically is getting all your banking info, because you have already been approved ( lie ), including my acct number and also access to my account. Sent in all documentation needed and 2 hours later I am told it took an " adverse '' action- basically rejecting it. I feel extremely violated and scared now that my account will become compromised by Avant or anyone else they sell my info to. It is n't about being rejected. I am a XXXX year old woman. I am concerned greatly because of all the information that was shared and how " preapproval '' is just another word for " bait and switch ''.
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX is continuing to sue people in new jersey. 
XXXX Plaintiff : MIDLAND Funding LLC / XXXX XXXX XXXX Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like midland funding llc is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and Court deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I have an Ocwen shared appreciation mortgage! I received a XXXX from them in 2014 for the discharged debt with code I ( IRS code for other actual discharge prior to an identifiable event ). I have a sales contract on my residence where I was led to believe that I owe them 25 % of the appreciated value over the principle reduction! When requesting the payoff they have not adjusted the waived balance and are telling me that it is not discharged and is being added back to my loan balance and is being included 100 % in my payoff to them! They also made me send the sales agreement and pay for an appraisal so they could determine my adjusted payoff! Now they say that I had a default and I now owe them the entire balance even though they reported it to me and the IRS as forgiven debt! This is deceptive and fraudulent business practice and I am disputing my payoff! My house is scheduled to close next week!!
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NY)

First Niagara Bank was bought out by Key Bank. 
During the transition some accounts disappeared and such. 
For Me I was locked out of my account for over 40 days and could do nothing about it. 
I visited a branch and was told they would fix it, but did nothing. 
I have been in communication with the executive office and keep getting the run around and now several months later, issue is still yet to be resolved. 
I continue to have my credit damaged because of their failure to correct this error. 
They have waived late fees, but not any interest or doing anything to compensate for the issues arising out of the situation. 
The executive office refers me to the auto loan collections department who on 3 separate occasions have refused to update information that was advised by the executive office.
Consumer complaint received 2017-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IN)

General Revenue is the company that bought my debt from Indiana XXXX University. I 've made several attempts to simply see my balance on paper or the internet and have called to find out where I can see this information. I spoke with XXXX XXXX when I called they 're company and he refused to help me locate the login section of their website and would not send me a letter. He sarcastically remarked that they 've sent me numerous letters then said he would transfer me, only to mute the phone and leave me with silence. I just want to see how much I owe and set up a reasonable payment plan but I can not get anyone there to help me.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CASH AMERICA INTERNATIONAL, INC. (CA)

Cash America XXXX XXXX XXXX XXXX, OH XXXX is the comany that I had an installment loan with. In early XXXX 2016 they took out of my checking account about {$2600.00} because I was n't able to pay my installment. They made no prior arrangement to take that much money out of my account. Then a few days later they put the money back into my account and took out the normal? XXXX installment. But by that time the damage had been done and I was deeply overdrawn on my account. Then on XXXX XXXX they took {$2400.00} from my account again putting me in the hole with the bank. They say in an effort to collect a debt.The money they took was from my VA check.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (OR)

While in school, my XXXX loan was taken out of deferment due to a miscommunication between my school and servicer. It took several phone calls and emails to correct the situation with XXXX. Now, approximately three months later, I 've just received a past due notice on a XXXX loan that should n't even be in repayment yet - I graduated four weeks ago and have a six month grace period. Nevertheless, XXXX has sent me this notice and has yet to respond to my email that was sent on XX/XX/2016 addressing this error. As it was a very complicated and drawn-out procedure last time I tried to work with XXXX, I 've chosen to escalate this situation to the CFPB.
Consumer complaint received 2017-01-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, XXXX I received a notice of withdrawal of the dedicated single point of contact ( SPOC ) from Bank of America of XXXX XXXX, XXXX. Since no written determination has been provided to me on appeal, I am considered pending in the modification process and the modification process is incomplete to date. Therefore, as a matter of law, a dedicated single point of contact is required to be assigned during the entire loss mitigation process. It is not acceptable to remove the SPOC ten ( 10 ) days prior to the Trustee 's Sale at auction, especially when that sale is improper. It should also be noted that this latest assigned SPOC, XXXX XXXX, had only been assigned for one week ( 7 days ) from the date of the notice of withdrawal of the dedicated SPOC. And this after my repeated requests to have XXXX XXXX removed as the SPOC without any acknowledgement that my request was considered. All I was told by Bank of America representatives was that it is not required I be allowed to pick and choose the SPOC. Just to be clear, I never requested to choose the SPOC. I did request any assigned SPOC be competent and knowledgeable of loss mitigation processes, as XXXX XXXX was not and it appears she was the SPOC responsible for forwarding the account to foreclosure, and improperly so. 
Upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Consumer complaint received 2017-01-04
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I do consistently run XXXX weeks behind on my vehicle payment. The payment is never made more than XXXX days late. One Main Financial calls my cellphone numerous times per day, and today every hour on the hour, once my payment is XXXX days late. They can see my payment history. This loan is XXXX years old. They send repeated letters in the mail to me where " they '' have scheduled " me '' to come in to their office for an appointment to discuss my loan, and my loan is never more than XXXX days late. This is utter harassment! They repeatedly send appointment notices in hopes of bullying me into deferring my payments. I do not want to defer. I do not want to prolong this loan and have to deal with them any longer than I have to. I do not want to pay more interest at XXXX % ( ridiculous ). I simply want to pay this off and get away from them. They are never able to report a more than XXXX days late to the credit bureau because my payment never runs that late, but it does run behind. The harassment is ridiculous!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Equifax 's website to know whether you account has been comprised states that it well tell you if your account was compromised or not. When I submitted my info it only gave me a date and deferred me. It did not tell me what the impact was like it claimed to do. Now I have to wait till the XXXX.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from EXPERIAN CREDIT REPORTING BUREAU
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After telling them to stop allowing XXXX load company to stop ACH withdraws and electronic billing withdraws. They continued to allow the company to withdraw from my checking account when they did not have authorization. Causing my account to overdraft from the unauthorized withdraws. Capital one 360 told me XXXX times that they would send an affidavit in XXXX days to resolve the issue.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NC)

Received unrequested XXXX in mail from Sears or Citibank with instructions to call a number to activate it. Card and paperwork was shredded since we had not requested the card. We have now received a bill from them for payment for something we know nothing about with a {$20.00} credit and a {$4.00} balance. We called a number provided and attempted to resolve this issue and they asked for personal information which we refused to give them. We were then referred to someone named XXXX at XXXX. He referred us to a form to fill out which included a statement that had to be signed stating that we would be responsible for various charges to resolve this fraud attempt lwhich is not agreeable. We went online and found that many people have experienced the same problem with these people and it appears to be a widespread rip off.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (NY)

I bought a car in XXXX on XX/XX/XXXX as I was living there at the time. US Bank is the lienholder on the car. In early XX/XX/XXXX I moved back to XXXX. My registration on the car came due at the end of XX/XX/XXXX and I tried to get the car registered in XXXX. I made at least XXXX trips to the XXXX over the course of about XXXX months and and spent countless hours on the phone with US Bank trying to get the title information to the XXXX in a form that was acceptable. I was never able to register the car in XXXX. Apparently XXXX is a digital title state and XXXX is a physical title state. While this should not have been much a problem it was a significant and apparently unsurmountable obstacle. First, it took XXXX weeks for US Bank to create a physical title. The first copy they sent to the XXXX XXXX never arrived. The second copy they sent was tracked to a XXXX in XXXX that was hours away from my location. The third time also never arrived. In early XX/XX/XXXX, I moved to XXXX for a job transfer and decided to try to register the car in XXXX to see if it was easier. While XXXX is easier on the XXXX side, the US Bank side continued to be nearly unworkable. XXXX XXXX needs a certified copy of the title and an official letter stating I can register the car. I am on my third attempt to get what I need to register the car from US Bank. The first time a rep handwrote a letter and took a XXXX photocopy of a title that said void all over it. The second time I got a typed letter and the same XXXX photocopy of the title. I am now on the third try with US Bank. In the meantime once my XXXX registration expired. I was never able XXXX XXXX the car as it was unregistered, although I was expected to continue making payments to US Bank. In total I have been paying for a car that I have not been able to register for XXXX years, XXXX months, XXXX days and counting!! How can a bank not know the process and what is needed to legally register their cars?
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I ordered new Bank of America checks online in XX/XX/XXXX. On XX/XX/XXXX I still had n't received them, so I called the local BoA office to ask about the status. They said they could n't help me, but that they could connect me with customer service, which they did. After going through a XXXX automated phone system, I eventually learned that the checks had been mailed to me on XX/XX/XXXX. But when I selected the number to speak to an XXXX, the system said it could n't help me and hung up. I called the local office again, and they told me to just keep saying " Speak to an XXXX ''. I called BoA customer service back and kept asking to speak to an associate. The system hung up on me. I Googled BoA customer service, called the XXXX number, chose the option for " stolen checks '', and after providing some additional info, finally got a real person. He then put me on hold for a XXXX time before transfering me to someone who confirmed that the checks had been ordered correctly and been shipped to the correct address. Since we never got them, she reordered the checks. This whole process took XXXX minutes. I would have been happy if I had gotten the woman who reordered the checks the first time. We have been with BoA/Merrill for many years, including all of our banking, investments, mortgage, and credit card, which together amount to a lot of money. It seems to me that we should receive far better service. This seems to happen every time we deal with BoA. We stay with them because we want everything in XXXX place, and we are relatively happy with XXXX.