davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Due to unemployment of a XXXX job this summer, I fell behind in my mortgage payments. I informed my relationship manager in XXXX I would find another XXXX position in the fall. I took my XXXX XXXX pay and made a payment in XXXX. Ocwen 's position was because the date of the XXXX payment was beyond their XXXX day window, I was informed I had to enter into a repayment plan to catch-up on the payments I missed. I am in agreement with that. She also stated we would determine the payments after the return of the XXXX payment. 

On XXXX XXXX, 2014, my bank cleared a check for {$1100.00} to Ocwen Loan Servicing. I have sent Ocwen the following bank records several times:1. A copy of the cancelled check2. A letter from XXXX stating the check cleared on XXXX XXXX, 2014. 
3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account. 
I filed a complaint with the Better Business Bureau. The case number is XXXX. 

My attorney, XXXX XXXX of the XXXX has also sent correspondence about this issue. 

How can this problem be resolved when Ocwen keeps:1. Changing the person " working '' on this problem2. Admit they have no record of my XXXX paymentWho is actually assigned to work on this problem? What realistic steps have they taken to find my XXXX mortgage payment? How can Ocwen write me and admit they have no record of my payment and expect me to be OK with that? I have provided Ocwen with banking documentation normal financial institutions would find acceptable. Apparent, Ocwen has problems with record keeping if they have over XXXX complaint to the Better Business Bureau with an F rating. 

I receive a response from a different person from their ombudsman office with a general statement stating that will respond by a certain date and that letter turns into another request. Ocwen keeps asking for the same information over and over again trying to shift the responsibility for clearing this up with me. I do not work for them. What information from of the back of my check does Ocwen need to find the transaction they lost? I am not the XXXX that failed to keep accurate records when they cashed my check. Since I have proved I paid an XXXX 2014 by providing the XXXX bank documents, how does Ocwen get to write back saying they can not find it? I think they might be deliberately stalling to earn more interest. 

Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation (TX)

I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX, I had a XXXX student credit card from Wells Fargo Bank. It was sold to a collections agency because at the time I could not keep up with my payments. XX/XX/XXXX, while I was XXXX with the XXXX XXXX, I paid the account in full leaving it with a XXXX balance. To this date, this account still shows up in my credit report which I feel is impacting my credit even after 4 years of the account being paid off. I was promised a full deletion of this account from my credit report, but Wells Fargo still shoes up as a derogatory account. I will submit documentation to proof that I paid this account and left it in a XXXX balance in XXXX.
Consumer complaint received 2015-08-06
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial (KY)

I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney. 

Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation. 

Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach.
Consumer complaint received 2015-03-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX I purchased a XXXX XXXX XXXX. The vehicle defaulted and repossessed for payment in XXXX due to job loss and death of a parent and. In XXXX of XXXX I received a XXXX from a third party to pay taxes on the financed amount. Second incident stemming from the XXXX Serial NO. XXXX. I received a call from XXXX XXXX XXXX in XXXX, Texas on XXXX/XXXX/XXXX. Regarding a school zone ticket for {$430.00} which occurred in XXXX. I immediately faxed over A letterhead from Wells Fargo the lienholder referencing Notice of Our Plan to sale dated XXXX/XXXX/XXXX. I have thoroughly researched and seek further guidance to understand why more than two entities have manage to further allow my identity to be compromised without my knowledge. And what actions should have been taken to initiate updated documentation. Please respond with the next recourse of action. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I opened US Bank Korean Air Skypass business credit card on XX/XX/2024. US Bank offered XXXX Korean Air miles as opening bonus with {$5000.00} spending requirement in 3 months. 

Even though I met this requirement, opening bonus was not issued so far. 
I called US Bank customer service to check situation, and customer service agent reviewed this case but had no idea why it was not issued even though spending requirement was met. He said to escalate this issue to other department to investigate further. 

Finally I received a US Bank official letter today and it said 'Unfortunately, we are unable to process this request because exiting or previous SKYPASS XXXX XXXX cardmembers are not eligible if you have received a new account bonus for this product in the last XXXX years '. 

However, when I opened this credit card, there was the different policy and I think this new policy was effective from around XX/XX/2024 which was later than my credit card opening. Based on the original policy, I met the all requirement and should receive the opening bonus. 

I think my case should be considered not the changed policy but under original opening bonus policy when I opened this account. 

Thank you Best regards
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

About XXXX years ago I had done a modification of my mortgage at which time I started paying my new mortgage. In XXXX 2014, I received an amount due of {$0.00} at which time I called to find out why. No one could explain the reason there was nothing billed. In XXXX, the same thing happened. When I called again I was told there would be nothing due until XXXX 2014 and I still was not told why. After several more attempts, I just let it go and was then billed in XXXX 2014 for {$4000.00} which was not the agreed upon amount. My complaint is there is no one to speak with and no answer was ever given as to the reason nothing was billed.
Consumer complaint received 2015-04-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I had a bank account with Chase Bank, I was expecting XXXX checks from a former employer, I had not checked my account all week when I checked on Monday and then Tuesday I saw XXXX checks XXXX of {$1400.00} and another of around {$900.00}, I thought those were my checks, I went Wednesday to a Chase branch to withdraw the money to make certain adjustments to my vehicle and found out that my account had a week that it was frozen with restrictions because some one had stolen my card information and set up several deposits and withdrawals during the weekend which never reflected on my online banking with Chase. Chase failed to inform me via email, phone call, anything, I received a letter about a week later about my account being closed and the fraudulent checks being deposited on my account, after I had already filed a complaint with chase to release my funds that were on my account, Chase has denied my claims due to the fact that I had logged into my online banking and state I never reported the issue and claim the deposits were done with my ATM card, which I had with me at all times, I filed an executive complaint and emailed my work schedule proving that I was at work while all those transactions were being done.
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

THIS IS NOT A DUPLICATE : XXXX accounts were closed by Chase Bank and the reason given was basically " because we can and we feel like it ''. However, to date only the money in XXXX account has been returned in the amount of {$61.00}. The money in the other account has not been returned in the amount of {$270.00}. Further there were XXXX {$12.00} charges totalling {$48.00} assessed to the account even though the deposit items in question were the fault of XXXX, who made good on the items.
Consumer complaint received 2015-06-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I AM WRITING THIS COMPLAINT, AS OCWEN IS DENIED ME ON A HAFA SHORT SALE FOR REASON OF THEIR OWN, CAUSING US FINANCIAL HARDSHIP. WE WERE EXPECTING THE $ XXXX RELOCATION MONEY, THEY DENIED FOR REASONS NOT ON THE DOD FRANK FORM. ANY AGENT HAS REQUESTED THEIR DOCUMENTATION TO SUPPORT THE REASON FOR THE DENIAL. THEY HAVE NOT PROVIDED IT. THEY KEEP ASKING FOR DIFFERENT PAY OFF STATEMENTS FROM THE XXXX MTG OTHER THAN A NORMAL PAY OFF DEMAND.
Consumer complaint received 2015-12-01
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MI)

Rushcard promises two day early direct deposit. My dd usually comes no later than XXXX XXXX one day before my payday well still no money. And customer service has been unreachable for 3 days now. Yesterday I called XXXX times and was on hold XXXX to XXXX min a piece only to be hung up on. My online account access has been locked since XXXX since then I have not been able to reach customers service. I switched to another card company but still have XXXX more direct deposit coming from my job. I have to leave town for a job interview today and can not go because I have no money. I have XXXX kids and I need to feed them. This is no joke this is my hard earned cash I plan on obtaining XXXX attorney if I do n't hear anything by XXXX.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (GA)

I did not receive validation of this debt from Midland at any point. Furthermore, Midland has re-aged this debt which is a clear violation of the FCRA and my consumer rights. On my XXXX report, Midland shows the date opened as XXXX/XXXX/11. The account was closed with XXXX XXXX XXXX on XXXX after it was XXXX days past due. The FCRA states that a collection company can only list the original delinquency date, not the date they purchased the debt. This inaccurate information has been on and is continuing to damage my XXXX credit file. I hold Midland responsible for this FCRA violation. I will include supporting documentation. Please remove this damaging and incorrect information from my XXXX credit file.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00}
Consumer complaint received 2015-06-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I submitted a written request to Asset Acceptance , LLC dated XXXX XXXX, 2015 they received my written request on XXXX XXXX, 2015. On XXXX XXXX, XXXX I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MI)

I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for Midland Funding ( A subsidiary of Encore Financial Group ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

My credit report reflects a history of payments per agreement for ALL debts except for Macy 's. In 2007 I opened a Macy 's account, and at Macy 's recommendation, also opened separate accounts for jewelry and furniture purchases. Over the subsequent year or XXXX Macy 's consistently mis-applied my payments on these accounts, resulting in delinquencies on some and positive balances on others. I tried sending XXXX payment, then XXXX separate payments, but nothing resolved the problem.I had to call Macy 's every month to re-allocate the payments. I finally closed all accounts because of the frustration and because I knew that this would hurt my credit, which it has.
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

On XXXX/XXXX/XXXX, I received a phone call from someone claiming to be a representative from Navient corporation. The representative 's name was XXXX XXXX. 

The call came to my mothers home phone number. I asked the representative how she got this phone number. She told me I gave it to them. I told her that this was not true. The only phone number under my account that navient is authorized to call is my cell phone number. I have deleted all other numbers from my online account, and as of XXXX XXXX I had all other phone numbers removed from my account. I have explicitly told several Navient representatives, including most recently my " account representative '' XXXX XXXX, that the only number I can be reached at is my cell phone number. 

The representative told me she was calling me regarding a complaint, and wanted to verify my information. Again, I told the representative the only contact information I have provided regarding a complaint with Navient is my cell phone number. The representative asked me to verify some information before she could speak to me about the complaint. I asked her which complaint she was calling about, as there are XXXX complaints filed against them, not including this one. The representative refused to tell me until I verified my Social Security number and other information. I told her I would not give her any personal information until she verified what complaint she was calling about. The representative continued to argue with me, and I told her I would file another complaint about her behavior. The representative told me to file as many complaints as I wished. When I refused to verify my information until she told me what complaint she was calling about, she hung up the phone. The only reason I asked this is because navient contacted me on my mothers home phone rather than my cell as I provided.
Consumer complaint received 2015-10-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I am the step-father of an adult daughter, and cosigned a school loan in XX/XX/XXXX for ger. Her and her husband filed bankruptcy in XX/XX/XXXX, I was never notified of this, by any party in any form. 
In XXXX of this year, Navient informed me that the loan and all of its capitalized interest is now solely in my name, based a bankruptcy judgment. It was the first time I even knew that there was a bankruptcy. 
If I had known the true state of the loan in XX/XX/XXXX, this loan would not be double the amount and at a high interest rate. I had many options in XX/XX/XXXX on what to do about it. But I was denied that opportunity. 
No one I 've talked at Navient will state that they should have let me know about the bankruptcy. I received no correspondence, notification, nor personal contact that this loan was fully in my name and not being paid on during the time of the bankruptcy. 
I 've reviewed the Promissory note I co-signed for this loan, and the particular policies that Navient has invoked to keep me ignorant of the state of this loan are not part of that contract. It states the co-signer responsibilities, and the fact that the loan is not eligible for bankruptcy forbearance. It does not state that Navient will deny information about the loan to me based on a filed bankruptcy ( which is what happened when I contacted XXXX XXXX and then Navient based on my credit report findings ). 
I have had this loan fully on my credit report during the time of the bankruptcy. During that time, I called Navient to question the accruing loan balance on my credit report, and they would only tell me the loan was in my name, and it always had been, and that there was no other signer of that loan. My assumption was that the records were incorrect at Navient or the credit report. The bankruptcy was never made known to me till I called Navient after receiving a billing statement this past XXXX. 

My credit score dropped over XXXX points since last year at this time. I was turned down for a refinance during that time. In XX/XX/XXXX, I was given a government clearance based on the fact that I stated that I was only a co-signer for this loan, which again I assumed the credit report had it mistakenly listed me as the loan-holder. 
I was not provided any options or opportunity to address this loan when this bankruptcy first occurred. XXXX/Navient actively kept me from knowing of this when I contacted them about the credit reporting. The only contact I had with Navient was what I initiated, and it was full of deception or incompetence that prevented me from determining the state of this loan.
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC (FL)

I was unaware of any collection regarding my previous cell phone provider, XXXX. I called XXXX and they told me I had a previous balance that was now in collections. I asked if it could be removed from collections which they agreed to do. I then proceeded to make a payment for the full balance of {$160.00}. 

I disputed with the XXXX reporting bureaus the accuracy of the collection being on my reports due to they did not have collection authority on the accounts. They came back as verified, and when I submitted payment verification, Receivable Performance refused to accept the documentation from the credit reporting bureaus. 

I proceeded to call Receivable Performance at XXXX and spoke to a supervisor who told me they would not remove it from my report. She confirmed that XXXX had taken the debt back. When I explained that Receivable Performance therefore did not have collection authority on the account, they should 've removed it from all XXXX credit bureaus. She said they would not do that.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CT)

Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here.
Consumer complaint received 2015-06-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Consumer complaint received 2015-04-06
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I recently ( today ) had to make an online transfer from myBank of America account to a International German account. 
I always relied on good service and integrity of the bank buttoday just really made me very upset. I checked the nationalexchange rate for XXXX euros and its XXXX dollars. I checkedseveral other currency exchange online and they all say onon or about XXXX dollars. I made a XXXX euro transaction andBank of America says it is XXXX dollars. " Their '' currencyexchange is really XXXX dollars more?? It is honestly pathetic. 
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way.