davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. 
I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. 
I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 
2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,, Continued, Issues About These Matters,, Wells Fargo Still Have, 'nt Fixed Any Of My Issues At All,, Yes,, I Did Get ( 2 ) Response Dealing With A Week Ago On XXXX, XXXX And XX/XX/XXXX Both Of Letter Pretty Much Saying The Same Thing,, They Did Say In ( One ) of Letters About,, Unathorized Bank Account Settlement,,,, When I Did Call And Sent A Email To The Admistration About Issue It Redirect Me Back To The Company, Then Put On Hold For A While,, This Is So Unbusiness Like Conduct ,, I'm Very UnHappy With This Company,, When Is These Issue Going To Be Solved,, This Bank Have Not Paid A Dime Yet,,, What Is The Problem,, It Don't Take Long To Figure Whether They Where Wrong About Everything That They Did,, To Me And My Family,, Why Make Me And My Family Suffer So More About These Issues,, Old And New!!
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

My Visa credit account with Capital One was closed in XXXX 2016 with a balance of {$9700.00} - with a minimum payment of {$98.00} due on XXXX XXXX, 2016. Because my account was closed, Capital One did n't send me any documents and I could n't pay online so I kept calling and finally I was able to get the help necessary to make this payment on XXXX XXXX, 2016. However, Capital One started a weird mechanism of calculating charges to my account - although I did n't have any purchases or cash advances since the closing of my account in XXXX. Between the end of XXXX and the first week of XXXX, they have charged me close to {$1400.00} - which they themselves acknowledge is neither interest nor purchases, as interest started accruing to my account only in XXXX - according to Capital One 's documented, recorded admission which I have as audio file. The total amount of interest charged to my account was only {$300.00}. Although I made the minimum payments required since XXXX XXXX, 2016 - {$98.00}, {$160.00}, and {$130.00} for the months of XXXX, XXXX and XXXX. But Capital One has sent a statement saying that I owe {$650.00} for the month of XXXX and they 've increased my principle from {$9700.00} in XXXX to {$9900.00} in XXXX - without any purchases during this entire period and with my total interest being charged only {$300.00}, how and where this {$1400.00} is going, The interest charged, and the amount that I 've already paid over these three months, and the {$650.00} Capital One wants me to pay, there is {$1300.00} which disappeared into thin air. This kind of criminal and fraudulent calculation of account charges, where they can not explain where the money went is not only exploitative but sucking the blood from American families - illegally and fraudulently - to keep greedy " companies '' like Capital One in luxury. Please investigate this company and start a class action suit as there are bound to be thousands of others customers like myself who are bound to have been cheated and illegally charged money which Capital One can not explain went to. At the rate Capital One is charging me, whatever it is because according to their own admission the interest has been only {$300.00}, there have been no purchases during this entire period. In a year, this money which is neither interest nor purchases or going toward principle, would be {$6800.00} in a year for a balance of {$9700.00}. This is criminal in its most utmost cruel form. If you can not shut down this company, regulate them.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (FL)

I deposited a check for {$650.00} on Monday XX/XX/2021 into First Bank Florida. The check cleared the XXXX XXXX on XXXX XXXX ( See Attached ). As of XX/XX/XXXX the funds are not in my First Bank Florida account. I would like to know where the funds are and why they are not available after they cleared XXXX XXXX bank.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The XXXX XXXX account in the attachment was closed in XXXX of XXXX with a {$0.00} balance but, Equifax and XXXX  is reporting 3 late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has fixed the issue when I brought the inaccurate information to their attention, XXXX  and Equifax refuse to do so. I have contacted XXXX XXXX XXXX  several times about the issue and each time they told me that they made a mistake and told me that they would remove the lates, they just wanted me to file a dispute with the credit bureaus. I have filed several disputes and this issue is still not resolved. The inaccurate late payments continue to report. XXXX  has removed the late payments but, XXXX  and Equifax are still reporting this wrong information. I was never late! The account was closed and paid in FULL. NEVER LATE. Please remove the late payments from this account. I am at the end of my rope, I'm trying to buy a house and this inaccurate information is stopping me from being able to do so. Remove the late payments immediately!
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (UT)

XXXX XXXX, 2015 : I placed a call to XXXX and advised the customer service agent to cancel my account and arranged for the local delivery driver to retrieve all used 5-gallon water jugs from my residence the following Tuesday. Driver never came Tuesday. Driver came Wednesday and delivered MORE WATER jugs. Placed another call to XXXX advising them to come pick up the water jugs and stop delivering them and advised I would not be paying for the jugs they delivered without authorization. Once again, I was told the local delivery driver would come the following Tuesday and retrieve. Once again, I left the unused bottles and used bottles and storage mechanism out for XXXX to retrieve and once again, they never came. In XXXX 2015, the local Manager called me to advise he would send someone out to retrieve the jugs and storage mechanism. No one ever came and, as I had advised I was going to, I moved from that residence. I removed my debit card from my online account so XXXX XXXX XXXX could not continue to charge me a monthly fee ( this was a month-to-month agreement - no contracts involved ). I discovered today, after checking up on my credit report, that I have a collection against me from CBA Collection Bureau and the source of the debt is listed as XXXX. I do not owe XXXX ANY money, first. Second, XXXX NEVER attempted to contact me via phone, email, or written correspondence to disclose to me that they were attempted to collect this invalid debt. This collection needs to be removed from my credit report and this company should be fined heavily for their negligent practices.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Our mortgage is through Flagstar. We requested and were granted a Covid 19 forbearance in XX/XX/XXXX. Since XXXX of XXXX, we have been trying persistently to restart our payments. Flagstar has been nearly impossible to work with. We can never get a clear answer. Recently we were denied relief, with no explanation, and asked to pay upwards of {$100000.00}. We appealed the decision. However, we still have gotten no answers from Flagstar. It has become impossible to get into contact with any one who can explain to us their decision making or how we can work with them to restart our payments. The entire process has been extremely anxiety inducing. We are worried that we will be foreclosed upon once the appeal period is over.
Consumer complaint received 2017-01-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I am a currently a XXXX ( not working ) and XXXX. Ten years ago The State of California Department of Rehabilitation and I entered into an agreement that they would retool me for working from home. In the process of their program, I ran to the limit of Federal Education Loans, and took a Private Student Loan from Sallie Mae. The State had promised to find me work upon completing their program. My XXXX conditions worsened, and the State of California released XXXX XXXX individuals ( I being one of them ) from its program to " save money '' for the State ( at that time in bad fiscal condition ). My Federal Loans were forgiven as part of my deteriorating XXXX situation, but Sallie Mae would not forgive my loans based on the fact that I knew I was XXXX when I applied for the loan ( even though that was not a factor in the application ). When I explained that my health had continued to disintegrate, they refused to accept this despite letters from my medical providers. My loan continues to grow with fees. I have no savings or any means to repay XXXX or settle with them. Also, I now have the XXXX loan on my credit report. This is a very black mark as I am definitely not a shirker of my responsibilities -- having once been an educator at the university level. I repaid my earlier XXXX loans. However, my current income ( {$1600.00} a month ) is hardly covering my living expenses. I did not get the opportunity to try to work because of the economic downturn. I had to go bankrupt because of accumulated medical expenses from the period that I could n't get insurance because I had preexisting conditions. I am an XXXX XXXX, and I ca n't get any kind of credit line to boost my credit worthiness ( for renting ) because of the bankruptcy, and, more significantly because of the student loan non-repayment. Sallie Mae has been horrible about this ( well-documented by others in a similar position ). I am now " in collection, '' but have nothing they can levy. I have been unable to work since 1995, and the State of California 's rehab opportunity that they would find me work did not materialize. I feel Sallie Mae has violated my rights as a XXXX individual. I have stopped communicating with them as it seems a hopeless situation.
Consumer complaint received 2016-12-14
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: EOS Holdings, Inc. (GA)

I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC. (FL)

Not enough information of validation of debt. I contacted MIDLAND FUNDING through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$600.00} }, however I do not owe this debt and know nothing of it. MIDLAND FUNDING appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed eight fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.
Consumer complaint received 2022-01-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bliksum, LLC (CA)

My name is XXXX XXXX XXXX and I am writing this complaint without the assistance of a 3rd party. This alleged debt was settled by tax write off. LoanMe nor their assigns have a UCC 11 lien, past or present, to prove alleged debt. I refuse to pay this alleged debt.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I have a BestBuy Visa. I had received an offer in XX/XX/2021, which I activated through my email. 

The Citibank offer stated ( sometime in the first half of 2021 ) I'd receive {$75.00} in rewards if I spent {$750.00} on utility charges on my card. I did exactly do what the offer stated. 

However, I did not get the rewards. When I called, they said I need to wait for 6-8 weeks. I waited a lot more than that. I waited a few months, and nothing was every provided. 

I called in XX/XX/2021, and they had me on the phone for XXXX minutes with Citi and BestBuy rewards team and they said I would be receiving the {$75.00} reward in my email. 

I waited several weeks nothing happened. 

I called again today and was on the phone for XXXX minutes with the supervisor. She tried call XXXX and was on hold. She then said she had to go, and I can talk to them directly. 

After terrible customer service from both Citi and XXXX, I have no energy left to be on the phone again after being on the call for XXXX minutes in the last 2 calls. I asked to speak to another supervisor, and she said she was it. I have no hope of recovering anything if I call XXXX directly or through Citi. # NorespectforCustomer
Consumer complaint received 2016-12-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

On XXXX 2016 I made full payment for home owners insurance for my property XXXX XXXX XXXX XXXX Pa XXXX. The cost of the new policy was significantly less than the previous policy. From XXXX 2016 until present date Ditech has continued to escrow funds in excess of the total amount due divided by twelve months. The total amount of mortgage -principal, interest, real-estate and home insurance has not been assessed so that the correct amount of funds are credited as additional principal that I that I pay each month. The homeowners insurance was paid in full so there it should not have been included in the escrow balance. The total amount due for the mortgage should have been decreased or I should have received a refund of overage paid to my account. 
My home new home owners policy cost less than the previous one. I paid it in full. Yet Ditech continues to take funds from my payments and place them in escrow for the homeowners insurance. 
The additional principal has not been actually reflected on the statements. The principles should be significantly reduced because I pay an additional {$74.00} principal each month. Plus a XXXX balance due for home owners insurance should reflect be reflected on my statement. 
Ditech owes me for overage paid to my escrow, but a recent statement sent to me states that I have a deficiency of XXXX. This is not accurate. Also what are the rules that govern collecting a cushion for escrow Ditech is planning to collect & {$360.00} as a cushion escrow. Why is there a escrow cushion be calculated into mortgage if payment for the homeowners is paid in full. 
The escrow account disclosure is inaccurate and appears to be a deliberate effort to not reflect what was actually paid and what is actually owed. 

I want an independent assessment of my account. I want excess monies paid into my escrow refunded and I want all future additional monies paid to be credited as additional principle. 
XXXX XXXX Account number XXXX
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I have spoken with numerous people at Chase to try and obtain a cash back credit card. I am clearly being discriminated against. Any source of income I offer to provide they simply say it's not good enough. I have offered screen shots of all my activity in my investment accounts, I have offered to send screen shots of all my bank accounts. I have offered everything I can but they are declining my application until I can provide tax returns that won't be available for months. This is clear discrimination against people that work for themselves. I was also told that I could not record the phone call while they could. It's not fair to hard working Americans when they don't have access to tools to help save money. It's not fair to people that have legitimate income that have to jump through hundreds of hoops to get a basic credit card. They are asking for screen shots of information when this should be done electrically. I have offered them all my account numbers but they are refusing.