davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
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 XXXX 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 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

On XXXX/XXXX/2016, I sent Experian a dispute regarding XXXX account # XXXX, along with documentation showing a judgment in my favor on that account ( See Experian Dispute XXXX, XXXX ). Experian listed the account as " Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. '' and failed to delete the inaccurate account. ( See Experian Response XXXX ). 

I sent a second dispute on XXXX/XXXX/2016 ( See Experian Dispute XXXX ). In its XXXX/XXXX/2016 response, Experian refused to reinvestigate the dispute, stating that " the credit grantor has verified its accuracy '' and that " we will not reinvestigate the same dispute again at this time. '' ( See Experian Response XXXX ). 

Experian failed to provide any details or documentation of its communication with XXXX or of any independent investigation. Additionally, Experian failed to explain why it is relying on the creditor 's " verification '' over a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CT)

Ocwen aquired my loan from Littion loan in XXXX 2013. I paid lotion loan for XX/XX/XXXX and revive a letter that I was in default with Ocwen for not paying XX/XX/XXXX payment. After a lot of frustration I paid Ocwen for XX/XX/XXXX as well. Three months later I revived a notice that my loan was in default for nonpayment. The payments I was sending went into a holding account and late fees were applied. I reinstated the loan with the amount Ocwen said was due fees and charges etc. After reinstatement three months later I received a default letter that said my payment were being held in a holding account fore there was an unpaid balance from Littion loan. I do n't understand why when I reinstated the loan the fee was n't included. After 10 months due to a death of my wife I cashed in my XXXX to reinstate the loan once more. At this point it 's impossible to refinance to get away from Occwen because they distroyed my credit. I rienstated the loan again my first statement had a balance of XXXX when I asked why was n't the amount included in reinstatement amount they said it was a baleance left over from Littion Loan. They will not accept a payment unless it 's certified. When the loan was reinstated for the 3rd time they automatically withdrew the monthly payment from my checking account on the XXXX of the month. They say I set this auto payment up but it 's impossible i never did. Now I have no more saving to reinstate the loan and I have paid them XXXX majority of fees and late charges. I am completely helpless I do n't know how a company can get away with this kind of service. They ruined my life I ca n't even get a credit card.
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IA)

In XXXX, I opened a CitiGold account pursuant to an offer ( see attached ) to earn XXXX American AAdvantage miles upon meeting certain requirements. After meeting the requirements, I contacted Citi to confirm that I had done everything, and they confirmed ( see attached ) that I had qualified and should expect miles by XX/XX/XXXX. I recently talked to them, however, and they said that I do not qualify! I 'm upset ; I opened this account in response to their offer, and now they 're saying they wo n't honor the bonus, despite saying I qualified! Additionally, since I thought I would be receiving the bonus, I 've had to keep the account open and accrue a $ XXXX/month service charge. 

All I want is for Citi to uphold their end of the bargain!
Consumer complaint received 2016-06-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (TX)

I have a Citi Visa Debit card that I believe I received as part of a promotional offer. I no longer have the paperwork that came with the card. I had not used the card and it was misplaced during a move last year and the card expired XX/XX/2015. 

According to my research and based on information on the CFPB site : " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' I have contacted Citi about replacing the card, which only has a balance of {$5.00}, and they are refusing to replace the card. At first they simply refused. Then when I pointed out that their website stated they would reissue expired cards, they responded that they could only reissue within 180 days of expiration. Then later, after I informed them of information I found on your site, they responded, " The Citi Prepaid card you received is a Promotional Prepaid Visa, and not a gift card making it exempt from legislation referencing gift cards. '' My card is not identified specifically as a " Promotional Prepaid Visa '' or as a " gift card. '' My card simply says it is a City Debit Visa. 

They have given multiple excuses as to why the card can not be reissued. I know it 's only {$5.00}, but it is the principle of the matter, that they issued the card and are finding any excuse they can not to honor it. I think this is poor business practice and speaks volumes about how they treat their consumers.
Consumer complaint received 2016-06-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Recently I had the opportunity to talk directly with XXXX XXXX XXXX at XXXX XXXX, CA and felt inspired to reach out to discuss an issue that occurred through one of the biggest military savings bank, USAA, in 2015. I had heard some of the benefits of SCRA and did plenty of research. I reached out to USAA and asked them if they would honor me, a 17 year XXXX XXXX XXXX, with SCRA benefits, for ex. lowering my APR on credit card bill. They responded with not only a no, we ca n't do anything for you, but stated that it only is good for those members that recently XXXX or were XXXX, and it 's only good for 60 days after you return or moved. I stated to them, per the law, these benefits were to extend to a servicemember during their entire commitment to the military and would terminate 30-90 days after discharge from the service. They stated that I was in fact incorrect, and that they were only required to cover a member with benefits from SCRA if they were XXXX. They even had a clause that stated if you achieved a XXXX, that it may qualify you for the SCRA benefits. I submitted my XXXX, and they stated it was too far out of the window. I have copies of both denial letters. My frustration is that other banks can honor different things with the same law. I 've had some military members ask their bank about SCRA and they had granted the lower APR while on XXXX XXXX even if there was a debt incurred prior to active service. Some actually received back pay for their credit card interest over 6 %. Maybe it is my own personal feelings, but how is this equal that a person can incur massive debt prior to the military, apply for SCRA and have his APR reduced to about 6 % and it remains active for 20+ years but a young XXXX that was a bit more financially responsible can not receive the same benefits if they inquired about SCRA the first day after enlisting? They may choose to spend the next 20 years fighting for a lower APR by constantly charging higher APR credit cards that they qualify for, take out several loans, store credit cards, trying hard just to maintain their credit and perhaps never reach a 6 % APR? According to USAA, you only can qualify for SCRA benefits if you have orders to PCS or deploy and that will only be good until you return to your homestation.
Consumer complaint received 2016-06-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (MN)

My husband obtained a loan from US BANK for a XXXX Ford Fiesta. My husband died in XXXX 2011 and I have been making the monthly payments since. On XXXX XXXX of this year I talked to US Bank, got the pay-off amount, and gave them my bank info. They deducted the pay-off amount from my account. They told me I would get the lien release in several days. When it did n't come, I called ( about XXXX XXXX ). They offered no explanation for the delay but said it should be coming. I verified the mailing address. I contacted them again mid last week and was promised a call back within a couple days. No one has contacted me. I need the lien release in order to buy my tabs which are severely past due. The bank does not dispute at all that the loan is paid off ; yet it seems they are not sending the lien release! They offer no date that I should be getting it, nor any explanation of why it should take so long. I 'm at my wits end. My health is not that great and I sure would appreciate it if you can get them to send the lien release because I ca n't deal with this. I honestly do n't know what to do otherwise. Thank you.
Consumer complaint received 2016-06-29
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cottonwood Financial Ltd. (IL)

A lady by the name of XXXX XXXX fron XXXX, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.
Consumer complaint received 2016-06-29
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Central Portfolio Control Inc. (IL)

A lady by the name of XXXX XXXX fron central portfolio control, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I contracted with XXXX XXXX to help me clean up my credit.  They worked diligently on my credit and I now have a good credit rating with XXXX and XXXX, but my Equifax report still has numerous complaints on it that were due to be removed this last XXXX.  They are still there.  I tried to access their web site for complaints but it just went to blank page.  I want them to drop those old complaints that have expired from my report.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I recently disputed a late payment with equifax. Not only did Equifax not correct the late payment.The added a previously removed chapter XXXX without notice and which should not be there. 

Former case : Submitted to the CFPB on XXXX-XXXX-XXXX Product Credit reporting Issue Public record YOUR COMPLAINT Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid a personal check into my bank of america checking account on XX/XX/2017 for {$2100.00}. This check was from a trusted account and I pay in two checks per month from that account for various amounts - never had a problem, nothing has ever bounced. Their account and my account are in good standing. So imagine my shock to see on the receipt that an 'extended ' hold had been placed on my deposit for THIRTEEN DAYS. Almost two weeks! And no standard {$200.00} available allowance given. Nothing. So I called the bank and was told that there was nothing they could do until the overnight processing had happened and they had a picture of the check, so I should call back the next day. 
I called back the next day and was told that that information was incorrect and in fact there was no way to get access to my money before then. It was essentially being held ransom for two weeks.
I of course asked why, I was told that due to many fraudulent checks being paid in to Bank of America, they had decided to change their policy. 
So - two questions for you Bank of America : 1 ) If you changed your policy so significantly why did n't you let your customers know? A heads up would have been nice. I would never have paid that check in if I knew it would take more than 2-3 days to clear. 2 ) Why is my account, with zero bounced checks, and me a long standing customer of this bank, being punished for what is going on in other people 's financial lives? Surely this should be on an account to account basis? 
So now I 'm left without my {$2100.00}, I 'll likely be late on my rent and receive a whopping fine, not to mention other bills due on or after XXXX XXXX that I 'll now not have the money for. I expect reimbursement for these fines caused by Bank of America 's shoddy service and I want my money released ASAP!!
Consumer complaint received 2017-09-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

My concern is with JPMorgan Chase & Co. 's inability to provide my Heloc loan disclosures in accordance with the Federal Truth in Lending Act and possibly the Home Ownership and Equity Protection Act of 1994. They acknowledged receipt of my application on XXXX XXXX, 2017. I should have received Heloc loan disclosures with my application and then should receive additional disclosures prior to the loan being opened. I do n't agree with non-disclosure. We talked about this before and it is not my job to think of the questions to ask about the loan. It is Chases responsibility to disclose all the information regarding loan details to me. Disclosure of info only after the contract is written, delivered, and under a 24-48 hour suspense to secure the loan is seemingly inappropriate and not in my best interest. Additionally, it may be in violation of the law.
Chase will not provide details of how the Heloc works. I need to see the terms in writing, terms like how many years can I draw on the loan, can I lock the rate in, If I lock can I reopen and draw more if not at the max loan amount? If they exist what are late payment penalties, etc., etc. I have asked everyone from chase involved in my loan process so far, to include their executive office department that called me today. A conversation, filled with poor attitude on their part, that concluded with resending a letter they ( she ) admitted will not have the disclosure information I have been asking for. ( note : info I 'm asking for is not in regards to the interest rate as I know the rate changes with the FED ) I have a right to know the basic terms like what 's allowed, what can be done and what ca n't, basically how the loan works. It should be visible and obtainable by all customers to validate fair and equitable treatment as well as be in alignment with the Lending Act. The summary on their website is inadequate and truncated ( missing pieces ) to entice people to apply for their loan.
Furthermore, under no circumstance should anyone be pressured under a short 24 - 48 hour window to enter a contract which could potentially cause the lost of their home.
Consumer complaint received 2017-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NY)

Dear Sir/Madam, I had taken out a loan on auto from Santander bank , in 2014 , i  paid off the loan on first week of XXXX . I asked the bank as well notified by confirming with the consumer bank team that the loan is paid off. Since then i am have been getting a run around from  address confirmation, shipping of title , release letter and so on, everytime  i call a new supervisor comes on board and gives a new story where they say the title and lien release letter has been sent via XXXX XXXX , sometimes they regular mail, 7-10 business days, recently employee XXXX supervisor refuse to verify anything, providing incorrect info from all previous supervisors. she again stated a new ship date which was again XX/XX/XXXX and she turner around and stated, its has to be notarized and a lien release -letter sent and then may be    days ..she  never wanted to give accurate info. I am very upset , since i recently sold my vehicle and the gentleman who bought was with at the bank as they told him 7- business days, but up till no i am getting run around . Please i need some assistance or push the bank to act and take responsibility for their actions.i can be reached at XXXX