davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Phoenix Recovery Group (TX)

In XXXX 2016 I reviewed my credit report and notice a collection account with XXXX XXXX XXXX XXXX. They claim I owe them {$2500.00}. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. My letter requested to provide proof of the account. On XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX XXXX with a list of charges however I do not agree with several of the charges such as " replace XXXX drip pans '' of {$16.00} and " Carpet Replace Required - Pet Damage '' of {$400.00}. I responded on XXXX XXXX, 2016 disputing several of the charges list on response to the validation letter and to date I have not received a response from XXXX XXXX XXXX XXXX. I have attached all correspondence for this issue.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue.
Consumer complaint received 2017-01-31
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I tried to send money using western union and everything was ok until I got a text message saying the transfer would be delayed till I call a number, which I did and the gave me a XXXX digit number to return to the place where I sent the transfer from and get a refund. I returned to the place and they told me in order to get a refund the number needed to be XXXX digits and to go to a western union store and try and get a refund, unable to find one in my town so I would have to go out of town to try and find one, this is time consuming. they mentioned something about sending a check in the mail, then I started reading articles about their lawsuit, so I figured their credibility might be suspect and decided to come here instead of going round and round with them. 
They also had me talk to their fraud evaluation department, which I find extremely embarrassing, trying to answer question about my relationship to and with the recievers of the funds, so they placed the transfer on hold and eventually declined to send since I did not answer the questions to their satisfaction, I can understand it, but feel my money should be refunded or transferred.
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

1 I closed my checking account with Citi-Bank N.A,. The bank did not include my interest earn in my final closing check.. I contacted there Citi gold department but up to today all they keep saying that it 's being worked on ( NO - Check almost one month later ), I was told it 's in the mail. When i closed my Citi gold checking, they SHOULD have provided a complete check with earned interest. 
2- I have not been getting my statements from them on a monthly cycle, which caused late fees, and then I recently got a statement with a different City and state address to me. When i complained to Citibank Citi Gold Customer Services, about it they kept telling me the check is on the way. The true fact is that almost a month later and no check. It seems to me that did not do anything. I suspect my mail is going to this address.
Consumer complaint received 2016-08-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MS)

My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I want to emphasize that this complaint is not a MISTAKE. My credit report has inaccuracies that are not assured to be the maximum possible accuracy that is not allowed under the law which protects me as a consumer. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2016-10-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I applied for a loan modification in 2014 with SLS ( Specialized Loan Servicing LLC ) after mortgage loan was transferred from XXXX Mortgage to XXXX XXXX XXXX. I diligently providing all documents requested by them ( SLS ), at least two dozen times by fax, USPS and XXXX, in an effort to have the modification approved. Each time documentation packages were submitted, a call by a SLS representative would state 1 or 2 items ( documents were missing ) I was advised early on in the process that I qualified for the loan modification and the eligibility to qualify for foreclosure prevention was a shoe in, to include an option for the Home Affordable Modification Programs ( HAMP ). The result from SLS home modification and mortgage assistance failed resulting in foreclosure. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. I have recently, attempted to contact the company requesting an offical letter stating my foreclosure was redeemed and my property was sold. This required by my present employer.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Corporation (SC)

" XXXX '' called regarding a " personal matter '' and asked for the last XXXX digits of my SSN. I refused to provide that information, and ask what the nature of the call was. She refused to tell me, and said " you must know '' or something to that effect. I told her I had no idea. I did know it is a debt collector, but I do not know for what debt. I would like to settle my debts, but I do not provide SSN information over the phone from people using their first names only and calling to discuss " a personal matter ''. 

She knew it was me because she must have caller ID and addressed me by name when I called. She refused to identify what the nature of the call was, which I did figure out. She refused to tell me anything without having the last XXXX digits of my SSN. She said something to the effect that " I should know what this is about ''. No, I can not read minds.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (WI)

I used to think I was really good at finances but have come to the conclusion that I am gulable to people that make things sound like a good deal. It turns out that I realize that the person who helped me with my home loan back in 2004 was quite the sweet talker. He convinced me that changing to XXXX I could save money by consolidating all my bills and vehicle payments into one payment. I should have realized that most mortgage people do n't call you up at XXXX and talk to you until past XXXX putting in family talk along with business. The first time this happened I was happy because I was underwater with credit card bills and he said he could make everything go away. I was self employed and no other bank would help me. He said he would handle the whole thing. He got my payment at {$750.00} which I thought was great but thought some of the fees were high but he said it was just the way he put figures around to make it pay all closing costs etc. XXXX XXXX had just helped my girlfriend who was unemployed save her house and she said it would be worth it so I did. A few years later he once again was approaching my friend and helped her again this time she was XXXX and still unemployed. He asked her if I might be interested in refinancing and I fell for his sweet talk and refinanced. I have had at least XXXX different mortgage companies including XXXX, XXXX XXXX, XXXX, XXXX, Homecomings, XXXX, and my current worst of all Ocwen Loan Servicing. Ocwen has given me false information and recently since I have become XXXX led me to believe I could get help with the Obama refi. I 'm only allowed to talk to my relationship manager XXXX XXXX and that 's by appointment. Another long story where it takes almost 4 weeks for each appointment. This last appointment when I took him up on his promise to remove some charges if I could come up with the amount I was behind he practically called me a liar. 
Is there anyway I do anything?
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I have a charge card with Home Depot/Citibank. I had a outstanding balance of {$2.00} which I made a payment on time, in cash, at a Home Depot store. I Saved receipt. 
Citibank claimed they never received it. After calling three times to clear up. They continued charging my account interest payment for 2 months which they reported to credit agency as a failure to pay. My credit score went from XXXX to XXXX. 
I finally went to store and addressed the payment I made of {$2.00} on XXXX/XXXX/16. They discovered the cashier applied my payment to wrong account. Called back Citibank with Home Depot manager on the phone and she explained the error and we both were told they would take care of the mistake. They would apply the payment I made, reverse the interest charges and contact credit reporting agencies of there mistake. As of today they have not repaired my credit, reversed charges. I have personally talked to 2 Citibank supervisors, 2 regular agents that tolded me they would take care of this. No action. 
Please file a complaint and attempt to repair this situation of credit fraud. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GLA Collection Company, Inc. (IL)

Hi, I had previously filed a complaint with your company regarding this debt collection agency. They had stated to you guys that they had found the accounts in question, and claimed to have requested removal from all my credit bureaus. I have n't seen it yet!!!!!!! The accounts were under my maiden name which I do not use anymore. This is pathetic that I have to contact you guys regarding this! This was from GLA Collections Company.
Consumer complaint received 2016-06-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NH)

I was denied durable power of attorney over my XXXX-year-old mother 's checking and savings account due to a credit report. I was told I was at risk because of a cosigned student loan with my daughter that was in default which happened to be that with Wells Fargo. I was told that once this was cleared from my credit report then I could act on durable power of attorney from my mother 's Wells Fargo accounts. I have excellent credit and had no way of knowing this account was in default. This should not even matter. My elderly mother needs help with her finances and her bank has denied her that right of having me act as a durable power of attorney. All documents were recorded, certified stamped with seal as required by Wells Fargo. This denial took place at the XXXX South Carolina branch. After much research and phone calling, I concluded that this is the practice of Wells Fargo in general.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P. (AL)

I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NY)

I signed up with XXXX with the agreement that my monthly bill would be approximately $ XXXX/month. I informed XXXX shortly thereafter that when I was at home the signal was so poor that the phone was unusable. In response their " customer retention '' staff sent me what they called a " signal booster, '' which solved the problem. One day the signal booster was not working so I called their tech support line. Rather than troubleshoot the problem they immediately decided to just send out a new booster which arrived several days later. However, about an hour after speaking with XXXX tech support the equipment suddenly started working again, so I called XXXX tech support again and they told me they would now send me shipping materials to return the old equipment. I did n't need the new equipment, and the shipping materials they sent were in no way suited to fit the box containing the shipped item. Rather than waste time and money shipping the unopened package I simply delivered the unopened shipment to my local XXXX store and they said no problem. Due to the inconsistency of their billing, i.e. my beginning monthly bill was about {$55.00}, but over several months it crept up to over {$80.00} per month. Seeing a massive charge on my following bill for the signal booster was the final act of financial misconduct I was willing to tolerate from XXXX. I cancelled my account and paid my cell phone usage balance, but not the charge for the equipment that I saw on my bill. 
Now I 'm seeing these derogatory remarks on my XXXX and XXXX credit reports with a ridiculous charge of {$700.00} by a collections agency called Convergent. I am quite frustrated and confounded and I think the charge and the negative remark should be removed from my credit report. If there was a balance on my cell phone usage for the account I would gladly pay it and have the matter resolved, but to be erroneously charged for an untouched, unopened, and returned piece of equipment is downright unfair. 
I have a decent job and have paid every debt ( besides this one ) in full ... .i.e. not a reduced amount or a settlement, but paid in full so as to encourage positive reports to the credit bureaus. This charge from XXXX or Convergent is inaccurate and out of line. This is my dispute.
Consumer complaint received 2016-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (DC)

I recently finished paying off a federal student loan that was serviced by ACS-Education. I anticipated that I would receive a closing statement ( either electronically or through the mail ) stating that I had fulfilled my obligation with this servicer. I did not receive such a notice from ACS, nor did I receive a response to the inquiry I submitted to ACS in regards to this question.
Consumer complaint received 2017-03-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Home Mortgage, LLC (FL)

XXXX and XXXX were in the process of buying a property in XXXX, Florida. The process started around the beginning of XX/XX/XXXX and lasted until XX/XX/XXXX. The mortgage company was Universal American Mortgage Company ( UAMC ), and the loan officer that handled the loan was XXXX. The entire process lasted around 4 months. It lasted so long that we needed to provided the same information ( updated ) over, and over again. XXXX was XXXX, she was put on XXXX around XX/XX/XXXX. She had a XXXX on XX/XX/XXXX and was put on bed rest as well, she was XXXX weeks XXXX. Her XXXX was going to last until the XXXX which was going to be around XX/XX/XXXX. Because of her XXXX on XX/XX/XXXX she was put on bed rest until further noticed from her doctor. Because of the length of the approval process UAMC requested new payments information on XX/XX/XXXX. UAMC saw different numbers from the ones they saw around XX/XX/XXXX. XXXX and XXXX informed UAMC ( XXXX ) that XXXX was XXXX, that she was put on XXXX by her employee, and that she had a XXXX on XX/XX/XXXX. UAMC told us that they were going to disapproved the loan because of XXXX being on XXXX, best rest, and because of that reason she was going to make less money. UAMC told us the only way they will approved the mortgage loan was only if XXXX returned to work, provide proof of she being back to work, and also provide proof of her new payment information. XXXX did n't have other option than cut her bed rest and return to work by the end of XX/XX/XXXX. XX/XX/XXXX was forced to returned to work under pain medicine in order to get the loan approval by UAMC.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Van Ru Credit Corporation (MS)

I received a bill from debt collection company in the name of Van Ru Credit Corporation I advised XXXX in fax several months ago that I had went XXXX and that I wanted to be placed in the service members relief act regarding my bill. As of today 's date I have never heard back after sending in paperwork regarding my XXXX status.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is, they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation, my FICO score went down XXXX points. They need to remove my investigation from the XXXX account in good standing and compel XXXX to remove the balance information ( {$6500.00} ) as the bankruptcy is discharged on the other account in adverse standing. 
Furthermore, I have submitted information to remove the XXXX addresses that are not associated with me, and nothing has been done. So I will again submit my license, SS card and a bank statement per Equifax to get these XXXX addresses off my file. 
Finally, end all items under investigation. According to the image I 've attached, there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation, then show me on another screen that all investigations are either closed or expired.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. ()

I have a Town Home in Hawaii and my ex-husband and I rented it out when we left Hawaii in XX/XX/XXXX to go overseas to work in XXXX on a XXXX. The earthquake that occurred XX/XX/XXXX in XXXX was unexpected and put our family under hardship and we had to leave XXXX un-expectantly and are now living overseas. As a result, we have been struggling to make payments as the family hardship with the evacuation from XXXX 's natural disaster took its toll on us financially. 
We have been working with the lender over the years to attempt to do a short sale and have had an attorney assisting us. However, the bank has always declined our offers. We have recently received XXXX offers on the townhome ; one cash offer and need a response from the lender. The lender 's legal representative XXXX XXXX XXXX XXXX XXXX XXXX was asked by my attorney to provide feedback and official pay off amount, so we can progress with a sale. Based on the offers we have in hand, I do not believe the bank will lose any money, but I can not be certain without information from them. The request for information was asked for on XX/XX/XXXX and we were assured we would have a response within four days. It has now been over a month and we still have not received anything. I have called them personally as well as my attorney and no one is getting back to us with information. We are going to lose these buyers and I have been notified today XX/XX/XXXX that the cash offer has withdrawal, so we have lost our guaranteed sale. 
It is my understanding that the loan is held by OCWEN. I am looking for timely responses from both OCWEN and their legal representation, so we can get this townhome sold and these accounts settled. 
We are feeling that they are treating us unfairly and we have now lost a very good opportunity to recover some of our financial results of our hardship. At the end of the day, we are trying to do the right thing and six weeks of silence is unprofessional, unfair and a little confusing, which leads me to believe it is a deliberate action by OCWEN and their legal representatives.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (IL)

I recently applied for and was approved for a Citi card after being bombarded with numerous mailings offering 0 % on purchases and balance transfers. I decided to transfer {$9000.00} from another card to take advantage of the 0 % interest rate. Well I just looked at my statement and see that Citi is charging me {$270.00} as a transfer fee. This is completely misleading and I feel as if I 've been misled. {$270.00} is alot of money for someone that is trying to reduce debt and paying for school. On my XXXX credit report I see that Citi has XXXX HARD inquires. They are on XX/XX/2016 and XX/XX/2016. I only applied for XXXX credit card so I fail to see why I have XXXX HARD inquires.