davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Credit Service, Inc. (FL)

I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On Monday, XX/XX/2015, I went into my local Bank of America branch office to obtain a direct deposit form for my employer. I was directed to the desk of XXXX, Relationship Banker with Bank of America. She asked me if I was interested in applying for a Bank of America credit card and I told her I was not interested at this time and wanted to discuss it with my parents. She asked me some other questions which I was made to believe were necessary in order to obtain the direct deposit form. On Saturday, XX/XX/2015, I received XXXX documents in the mail from Bank of America. XXXX document indicated that they had received my recent application for the BankAmericard Cash Rewards Platinum Plus Visa and that it was a duplicate request so it would not be processed. The other document I received congratulated me on my request for credit from Bank of America and that it was approved and that a credit check was done in my name with credit score information included.  I had no knowledge of this application ever being submitted on my behalf and I have been informed that according to the law no one can obtain credit for me without my authorization. Also, because I am under the age XXXXXXXX proof of my income is necessary to apply for a credit card which was never obtained, and was fabricated on the application that was submitted.
Consumer complaint received 2015-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC. (OH)

Please review the attached XXXX XXXX, 2015, letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Virginia XXXX - XXXX RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Account Number : XXXX Referred by : Office of the Ohio Attorney General In response to my above complaint, I have received a letter dated XXXX XXXX, 2015, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX, stating they are in process of reviewing my complaint, and that it may take up to 60 days to complete. On XXXX XXXX, 2015, I sent an inquiry to them regarding my claim, and have not heard back, as of yet. Until this issue is resolved, please remove this inaccurate information placed on my credit file, because it is incorrect information reported. The XXXX XXXX XXXX XXXX and its malfeasance against me as a consumer have been duly noted.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ND)

On my EQUIFAX report, Both of the XXXX ACCOUNTS are showing as OPEN ACCOUNTS. It is not open, it is closed and has been closed for years. It has also been paid in full since with no balance owed. I also believe it is time for XXXX accounts to be removed per the law from when it actually defaulted as the debts originally was not theirs but another companys. It is the same debt as the XXXX XXXX ACCOUNTS. Those XXXX XXXX ACCOUNTS are also CLOSED, PAID IN FULL and are no longer in collection. I have spoke to XXXX as well as XXXX and they have verified as well as told me they sent the correct info to the bureaus to fix this yet I see EQUIFAX is still reporting incorrectly. Also, I received a letter from XXXX that verified they also informed XXXX who is dragging there heels on updating my last complaint to you all, which is CASE # : XXXX as they are showing this as charged off in XXXX 2015 now and at the time I complained to the CFPB they were showing it as charged off XXXX 2015. This is just illegal XXXX that I am tired of and XXXX says it will take 60 days and I know XXXX well they have the updated info already as it was mailed to them about a month ago yet they are still reporting this XXXX account incorrectly and illegally, probably out of spite. I am paying for monitoring services where they claim they update every day, etc and thats just a lie. If I decide to charge back every month I have paid them for there " NOT THE PRODUCT THEY CLAIM TO BE SELLING ME '', I wonder what would happen and if i took it to court what would a judge say. Someone needs to get on this as I am sure there are thousands of Americans just getting ripped off on this monopoly these bureaus have going on. I pay and subscribe to EQUIFAX, XXXX, XXXX and XXXX and I pay all my debts and have not missed a payment on any account I have opened in over 2 years but yet I suffer from some XXXX working at these companies who can not seem to comprehend english or speak it properly when I try to make progress on the phone and apparently can not enter correct true data. I do not deserve this.
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A Debt Collector called me and informed me I was late on my line-of-credit payment. I had no clue what she was talking about. I finally concluded that a checking account and a line-of-credit was opened in my name in a Sate I lived 20 years earlier and decided to no longer make payments. 
I could n't verify account info, because I had no knowledge of these accounts in the first place. I was assured that Fraud Protection would get ahold of me, but after 2 months I still have n't heard a thing. I 've made repeated calls back to get a phone number for them, but was told they ca n't. My credit Score has plummeted from the XXXX to the high XXXX - sole because of this issue. 
I have tried calling the Financial Institution directly from my Credit Report, but they insist the debt is mine. They will not furnish me with details on who has been receiving the account statement, how long they 've been making payments or what the actual account numbers are. 
I am at a loss here. I pay my mortgage on time, I pay my car payments and credit cards on time, every month and this account pops up and is wrecking my life. It does't even pass the logic test. 
Someone must be able to furnish me with more info - and someone needs to rectify this account on record.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

I had an FHA mortgage that was paid in full on XX/XX/XXXX with Ocwen Loan Servicing. In the payoff quote to the title company, Ocwen Loan Servicing included a full month of interest for XX/XX/XXXX when the loan was paid in full on XXXX XXXX. I waited patiently for over a month for a refund of both my extra month Mortgage Insurance premium, the escrow account funds, and the extra month of interest that was paid @ closing. I also had not received a notice that the mortgage was paid in full, but Ocwen received the funds on XXXX XXXX per my Title company. On XX/XX/XXXX I called to inquire and was told that it would go for research and it would take 2 weeks. A few days later I received a notice giving a breakdown of the escrow account and was told the Mortgage Ins. premium had to be paid for a full month because it was an " agency loan '' and it 's not prorated and a check for the net escrow account was included. I waited the full 2 weeks before calling again on XXXX XXXX about the extra mortgage interest that they collected @ closing for 28 days more than was needed. Again, I was told it was an agency loan and that 's just how it was. I asked for the call to be escalated to management and it was and I was told by the escalation dept. that they would research and contact me in about 2 weeks. I waited 3 weeks and heard nothing so I called again today, XXXX XXXX and was told that there was no refund coming. I informed them of the HUD notice XXXX released XX/XX/XXXX by HUD stating that FHA announced that borrowers who prepay their FHA-insured mortgages will NOT have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule applies for FHA -insured mortgages closed on or after XX/XX/XXXX. This rule explicitly prohibits lenders from charging borrower post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau., for all FHA Single Family mortgage products and programs. I gave the Ocwen the HUD notice number and read the above notice and told them as Lenders they are required to keep abreast of changes that affect their industry. I 'm sure thousands of FHA mortgages paid this year with Ocwen have had the extra interest collected against this policy. I was asked to write a complaint letter and attach the supporting evidence. I told Ocwen that they should have a supervisor check into the new HUD guideline and refund my overpayment of interest in the amount of {$400.00} + interest to me as soon as possible, and that a complaint with the CFPB would be made. This is a rip off of mass proportion as it 's been going on for 5 months so far on the thousands of FHA mortgages they 've done payoffs for this year and continue to incorrectly quote payoff figures.
Consumer complaint received 2015-10-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Holloway Credit Solutions (FL)

On XXXX/XXXX/15, we received a phone call from a company claiming to be representing XXXX XXXX regarding a past due bill for a doctor 's appointment that took place in XXXX 2015. Knowing that this was most likely a scam, we asked the person calling for a return phone number, at which time she hung up. From our caller ID log, we obtained the phone number and called them back. A live person did answer the phone with the name of a supposed collection agency - however, when pressed for more information, the person hung up. We called XXXX XXXX directly and were told by a customer service representative in their billing department that there were no outstanding invoices. The XXXX XXXX representative was also able to provide us with the name and address of the collection agency that called us when we gave him their phone number. He also confirmed that XXXX XXXX does NOT do any business with the company who called us. Here is the information on the deceptive agency : Holloway Credit Solutions, XXXX XXXX XXXX, XXXX, AL XXXX - ph ( XXXX ) XXXXThank you.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (OK)

I called Wells fargo Financial credit card services about the late payments reported on my credit report to see if it was correct. The customer service told me " its a bank error because they set it up to come out my account on the wrong date of the month ''. I asked them, so what do I need to do to fix the problem. They told me to fax their dispute department a letter saying " customer service informed me that the whole time they was withdrawing money out of my account. It was set to the wrong date ''. I also had to fax them a copy of my credit report showing the late payments from XXXX XXXX to XXXX XXXX. That was last month sometime when I did that, I called wells fargo XXXX other times trying to get some help. But all they do is tell me to dispute it saying its a bank error and the dispute department will fix it. The XXXX time i called I asked them if they can just notate my account saying its a bank error since thats what they been telling me to put, and they say I have to do this on my own time they can not do it for me. So I have to find a way to fix it even though I do n't have access to what they have. I do n't understand why the XXXX departments do n't communicate between each other to make there customers happy. Now I ca n't apply for a house because the late payments on my credit, I have to wait for a yr.
Consumer complaint received 2015-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo Mortgage company reported to the XXXX major credit bureaus - XXXX, XXXX and XXXX XXXX, that I had a delinquency/late payment in XXXX 2013. I am including a copy of THEIR own payment history to prove that I paid the mortgage payment timely. This needs to be corrected with all XXXX credit bureaus.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TENET HEALTHCARE CORPORATION (TX)

CENTRAL FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX $ XXXX # XXXX OPEN XXXX HAVE NUMBER OF TIMES REACHED OUT TO THE ABOVE CONSUMER TO MAKE THEM AWARE THAT THIS ACCT IS NOT MINE AND NEVER BEEN TO THIS MEDICAL FACILTY. IF NEEDED I WILL FILE AND TAKE CHARGES AGAINST THIS MEDICAL COLLECTION IN NOT TAKEN OFF MY CREDIT REPORT. 

THANK YOUXXXX XXXX
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NY)

Received my Chase Credit Card Monthly Bill and did not recognized {$20.00} charge that appeared from XXXX XXXX XXXX XXXX XXXX CT. The phone number is out of service. There is no web address. I reported the charge item to Chase. On XXXX, this phone number is linked to fraudulent company. If all Commercial Banks are notified that this is a fraudulent account, why are n't they required to identify this phone number on all their XXXX Card accounts, many consumers will overlook a {$20.00} charge.
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My husband died XX/XX/XXXX. We had fallen behind on our mortgage payments with Ocwen Bank and they threatened to foreclose. We can not make any more payments because our income is very low. They call our home and cell phones XXXX times a day 7 days a week. California just passed a bill to stop robocallers. Can you please help me? Thank you.
Consumer complaint received 2015-11-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Di tech has repeatedly called me at work when I have asked the calls to stop. They call me After I already tell them that the payments are made via bill pay. And continue to call me after I have already made arrangements to pay. In addition several Threatening messages have been left on my cell phone. When trying to make payment arrangements they insist on me using their pay by phone service which has a fee associated to it. My account also has an " Unapplied ballance '' of more than the amount of the payment owed.
Consumer complaint received 2015-05-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Wakpamni Lake Community Corporation (CA)

I have now by email XXXX times asked that they stop contacting me at my office number as I am not in a private environment AND my voice mail is not private. The most recent call was XXXX minutes ago. This is becoming abusive. Each time I have advised them that it is against the FDCA for them to call after I have asked them to stop but they continue. Thank you.
Consumer complaint received 2015-12-01
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Nationwide Debt Management Solutions, LLC (CA)

I have received several calls to attempt to collect on a XXXX XXXX XXXX and have been subjected to very abusive and adversarial language. On XXXX/XXXX/2015 I received a call from XXXX from XXXX asking me to " man up '' and pay my debt, after I had advised them that I had experience a significant reduction in hours at my job. I work in the XXXX, and with the price of XXXX my income has been reduced by 50 %. After insulting my masculinity for being unable to pay, he called my wife at her place of employment and demanded payment from her. She has nothing to do with this debt, she was not a cardholder and she does not have permission to receive personal calls at work. He verbally abused my wife as well. I am concerned that this company may not be a legitimate company or have the proper authority to collect this debt because I do n't feel like any legitimate company would be that obscene when working with customers.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I filed a dispute with my credit card at XXXX and they " lost '' it saying i " lost '' my rights. Then I got a phone call saying since they found it, they would be re-asserting the dispute process. I got my money back and confirmation in writing that the final dispute had been decided in my favor back in XXXX. Then, in XXXX they are saying they are going back on their initial decision, but I was already told since they lost the initial dispute and we were still in the time frame and the merchant did not respond that the money was mine permanently. At this late date saying they went back on their final decision seems suspect -- -the letter dated XXXX XXXX, is more than two months after the final chargeback was made. It is an illegal abuse of th dispute process. The doctor lied about me and said my dispute was illegal, which is n't true. He made up something in his head that should not affect your decision. To go back on your initial decision and then hold me responsible over XXXX months later. XXXX has repeatedly lost my disputes and they admittedly lost this one as well. However, the final chargeback was issued already. This is an illegal use of the dispute process. I do not owe the {$1000.00}.
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had a Bank of America credit card for about 10 years. The account is now closed and the balance is XXXX. The credit reporting agencies are reporting different information about the account. XXXX reports a 30-day late payment in XXXX 2011 but on time payment in XXXX. XXXX reports a 30-day late payment in XXXX 2011, but an on-time payment in XXXX 2011. I have written to BOA XXXX times to try and resolve this, have submitted inquiries to XXXX and XXXX. No results. Somebody has it wrong -- I want BOA to stop reporting the account altogether since they ca n't get their records straight.
Consumer complaint received 2015-06-19
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXXXXXX XXXX, XXXXConsumer Financial Protection BureauRe : MIDLAND FUNDING LLCDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company MIDLAND FUNDING LLC that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.
Consumer complaint received 2015-05-13
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

Discrimination and loss of money by Chase Bank. 
On XXXX XXXX, before I paid to the XXXX deposit I received from them assurance that if I will make deposit XXXX, I will receive from them {$10000.00} bonus. Then after one month with their broker help I will earn {$100000.00}. This information I received by their chat and is copied. 
Unfortunately, no call I received from the broker. After my intervention the broker called me, he made XXXX trades within two weeks. The third he lost about {$500.00} of my money. One month has passed and I lost some money. After that I sent them request for withdrawal my deposit, because they cheated me. They sent me information that to withdrawal my money I need earn over {$300000.00}. 
I sent them info that the reason that I decided to withdrawal my deposit of {$4000.00} ( less {$1000.00} by my personal loss ) is that they cheated me, no earned {$100000.00} but loss. 
By their chat and emails I asked them many times for my money back but they ignore me and blocked my IP, so now no response from. 
Regarding this scam on XXXX XXXX XXXX XXXX I asked Chase bank by phone for help. The send me from one person to another. They promised me credit within 12 hours, but did not received from them claim number. 
Within next few days I did not received the promised credit and any confirmation letter, no claim number. 
Then I sent the by email again explanation of the scam with proof ; screens shots of website and email. Also no any response from Chase bank. After next week I sent to chase bank by their website again complaint and asked them for response and claim number, but this time I received automatic email back with assurance : This is to confirm we have received your message sent XXXX/XXXX/2015. You can expect to receive a response within 24 hours. 
However, they cheated me, no any response to this day. 
I accuse Chase Bank of discrimination and loss of money. 
Such behavior is serious criminal act against Bank 's clients, because they allow fraudsters to feel impunity.