davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

I was working with " relationship manager '' to see what options, besides forclosure, we qualify for. We Qualified for a Short Sale or Cash for keys. After My wife and I received promotions and pay raises, my " manager '' recommended we resubmit for Modification. He told me if we did not qualify for Modification, we would still get the same XXXX offers ( Short sale etc ). I have since been working with an Authorized 3rd Party and have been reassigned to a new " manager ''. My Authorized Party has a direct contact with Ocwen ... I Have been sending in ALL items they have requested, and was told by 3rd Party my case is under review ... meanwhile, they have set a sale date for XX/XX/XXXX ( XXXX Weeks ). In addition, now my " manager '' will not respond back to my Authorized 3rd Party. According to her, They have everything they need ... she and I are very frustrated ... She ( XXXX party ) said they are not following procedure by not contacting her back and/or including her in this process. She recommended i file a complaint ... i have also had other situations with them. I have sent in multiple items such as pay stubs for myself and my wife, along with P & L statements for my self employment ... I had written letters of clarification for each of those items, only to find out XXXX weeks later, when i have a scheduled follow up call, that they need clarification on the items ... I would resubmit clarification, only to find out XXXX weeks later, they still need clarification ... .I have felt like they are just trying to make me give up and lose my home ... If this happened to less tenacious people they would have given up ... They have wasted time multiple times, when I do n't have time ... now I only have XXXX weeks left and they are playing this " not contacting my 3rd party '' game that could cost me my family 's home ...
Consumer complaint received 2015-10-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Critical Resolution Mediation LLC (IN)

I have been called several times ( XXXX within XXXX ) with this place telling me that someone wrote a check and attached my name to it, and the check was bad so I need to pay. When I question who it was that wrote it was told not my business. When asked what its for and the amount they hung up. Tried to call them back and they start scream and cussing at me, also making XXXX comments to me. They refuse to mail anything to me. But want me to pay {$200.00} to them for something that is not mine or I will go to jail. I have never wrote a bad check even called my bank to verify all my recent checks where fine which they was. Then they started calling my husband 's phone doing the same thing telling him I need to learn to pay my debt. But I pulled my credit nothing on it at all, and they wo n't tell me what the check was for or when it was wrote just keep asking for me to pay or go to jail. The number that keeps calling is XXXX.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am putting in a complaint because I am trying to upload my ID and utility bill to the experian upload website to have my extended fraud alert removed from my credit profile and it is not letting me upload my documents, it is telling me to mail in the form. I have added a security freeze on my report already and want the alert to be removed as it is becoming a problems in getting financing.
Consumer complaint received 2015-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (KS)

Joined XXXX when it first opened in late XX/XX/XXXX and decided to leave in early XX/XX/XXXX. Despite numerous cancellation attempts and not using the gym in over 5 months XXXX continues to bill me and has now forwarded me to ABC Financial, a Collection Agency in XXXX, AZ. Attempts to contact XXXX XXXX, Membership Manager, go unanswered or returned.Speaking with " XXXX '' ( will not give her last name ), in Customer Relations, hangs up on me.Simple questions like " Will you please look up the last time I used your gym '' to " XXXX '' to show I have n't used the gym in over 5 months are responded to as " that 's not important '' and then hangs up. Letters to both XXXX XXXX and ABC Financial under the U.S. Fair Debt Collection Practices Act, 15 U.S.C. section 805 are ignored. ABC Financial has also been asked to provide written proof that they are licensed to do business in the state of Kansas and they have n't. XXXX XXXX is unwilling to address or correct the matter.
Consumer complaint received 2015-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

XXXX Mortgage 's Good Faith Estimate showed the down payment as 20 %. The day before close of escrow when XXXX XXXX XXXX gave me the final paperwork and it showed the down payment amount was increased by 31 %. Also, the company was hard to deal with because during the last few weeks of escrow XXXX XXXX Mortgage changed or added new loan requirements once or twice a week.
Consumer complaint received 2015-11-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XXXX XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

I have not been able to access the funds on my rushcard for about a week. I also receive a direct deposit every other week and that deposit has not posted this week it was supposed to post today XX/XX/2015. I have tried to contact the rushcard customer service on a daily basis only to be lied to and hung up on I am asking for answer please.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd. (IL)

They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!
Consumer complaint received 2015-08-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

This is regarding a private school loan through XXXX. It was then transferred by XXXX to American Education Services ( AES ). There are numerous problems with this company. They are jacking up the loan I co-signed for by separating out the huge interest amount. When asked why is my balance not decreasing ( paying regularly for years now ), I was told " Payments are applied first to outstanding accrued interest and late fee 's, and any remaining amount is applied to the principal balance. If the outstanding late fee 's and interest exceed the amount of your payment, none of the payment will be applied to the principal balance. '' The amount of my loan is going up because of the way that they charge a separate fee for interest. They make it difficult to even see what the interest rate is. What it basically means is that I am never going to be able to pay off this loan that I co-signed on. I can not afford their monthly charges ( it is more than XXXX ). If i just pay the required amount including interest, the amount goes up rather than down. They offer no alternatives for repayment and are not willing to negotiate. I looked online and there are thousands of complaints about this company. Surely the government can do something to help those of us who are trying to pay off our debt but are being held prisoner by this ruthless company. I am the co-signer. My son took out the loan in 2008 and he is unemployed now.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

I divorced my husband and the deed was signed over to me. During the divorce, my home went into foreclosure. The mortgage " note '' is in XXXX our names, but the mortgage is only in my ex husbands name. The mortgage company XXXX Seterus XXXX Inc. XXXX refuses to work with me for a mortgage modification, because my ex-husband refuses to cooperate and I am not on the " mortgage ''. The mortgage company is trying to force me out of my home with my XXXX kids without offering any type of mortgage solution. I am weeks away from my home being auctioned.
Consumer complaint received 2015-05-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

I attempted to make a cash withdrawal in the amount of {$2500.00} from my SunTrust personal savings account. I provided 3 forms of identification:1 ) My non-expired Florida driver 's license, bearing my photograph and signature. 
2 ) My pre-printed withdrawal slip provided to me by the bank bearing my signature. 
3 ) My non-expired debit card issued to me by the bank, bearing my signature. 

The teller stated that the signatures did not match. I addressed my dissatisfaction with the CEO of the bank, XXXX XXXX in the form of a letter. He delegated responsibility for responding to XXXX XXXX of the Client Advocacy Team. XXXX XXXX sent me a letter which not only failed to address any of the objections which I raised in my original complaint but went so far as to attach a copy of my withdrawal slip and signature card on file which prove that the signatures, in fact, did match. I am left with zero confidence that any future attempts to withdraw funds from the account will be fulfilled no matter how many forms of identification I provide. SunTrust Bank made me feel like a criminal for attempting to withdraw my own money. I ask that you censure SunTrust for the inordinate barriers to withdrawing funds which it has instituted. I make my request based on experience because I also have a savings account with XXXX XXXX and have made similar withdrawals without incident simply by providing my driver 's license and debit card with PIN.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Sterling Infosystems Inc. (IL)

XXXX ( parent company, Sterling XXXX Company ) is reporting information on you consumer file that is inaccurate and surpass its statue of limitations governed by the FCRA and the FTC. This company is reporting information about me with false information disclosing this falsified information to my employer. This company is indicating information from XXXX TWENTY SIX ( 26 ) years ago just because my name matches their database. Additionally, they are reporting information that is almost TEN years old on a name match in the State of New York, XXXX XXXX. I am requesting they cease their abuse and clear violations of the FRCA.
Consumer complaint received 2015-06-10
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY (NY)

I sent money to the bank XXXX XXXX XXXX in XXXX to buy a house with XXXX XXXX in XXXX. The date of this international wire transfer was XX/XX/XXXX. This company/Realty Agency, XXXX XXXX, said that they received the money of {$130000.00} ( in XXXX XXXX ) on XX/XX/XXXX, but they returned that amount to me on XXXX. The reason for the Return/Devolucin was : they wanted me to send it again to another account ( the one that I opened in XXXX as a XXXX ). I am an American citizen and the bank from were I did the international wire transfer on XX/XX/XXXX is TD Bank. 

I have no way to know for sure if what the Realty Agency XXXX ( represented by XXXX ) says is true. I have a letter from them, but how can I tell if this document is real? According to XXXX, the return of the money ( XXXX ) really happened, but the bank XXXX in XXXX, XXXX, ca n't tell her were it is. The bank XXXX ca n't trace it have not been very helpful in this matter. For this same reason, XXXX, from the XXXX XXXX, ca n't give me any information and certainty about date when I will get the money of the Return. Direct Consequence of this, I ca n't go to XXXX for the closing of the house. 

Here some information of the bank in XXXX, XXXX and in regards to the recipients account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Recipient 's Account : XXXX ) I called to XXXX in XXXX, XXXX, today XX/XX/XXXX, because I started to feel very nervous ( You never know if the people involved in this transaction can be involved in some criminal activity. I hope not, but ... ) I told to the XXXX bank in XXXX that I was a customer and that I have a document Letter of Return/XXXX to see if I could trace the money. They said to me that they ca n't do a trace. I try every kind of argument ; I try to find more help, such as finding an office from the bank XXXX in XXXX that deals with urgent matters like mine, or with an untraceable international wire transfer. 

In the other hand, here in NY, after XXXX attempts with the TD Bank from XXXX, from were I did the transfer on XX/XX/XXXX, I decided to go to a different TD Bank, XXXX close to my job in XXXX. I went today XX/XX/XXXX to the TD Bank in XXXX XXXX and XXXX XXXX. Finally, on my XXXX attempt trying to get some hope and information, this branch in XXXX were able to do a Request and investigation regarding this international wire transfer ( XX/XX/XXXX ) and possibly about the Return of that sume of {$130000.00} ( XX/XX/XXXX ). The people who helped me are XXXX XXXX and XXXX ( XXXX XXXX XXXX ). The information related to the request of investigation to trace the money is : XXXX ; XXXX XXXX is in charge of this case. Here phone XXXX ) Both banks CA N'T TELL ME RIGHT NOW WHERE THE MONEY IS. PLEASE, HELP ME TRACING IT IN CASE SOMETHING CRIMINAL IS HAPPENING WITH REALTY COMPANY, XXXX XXXX in XXXX, XXXX. Thank you
Consumer complaint received 2015-07-31
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (ID)

I sent them my FTC fraud affidavit package and told them that I did not get a payday loan, because I have been unemployed and getting VA benefits for many years now, and I never had a checking account since I was XXXX years old. I have no checking or savings accounts and no checks. I suspect that someone stole my I.D . sometime when I lost my ID many tines when I was homeless living on the streets. But, they said they do not believe me and will continue collecting and will file a lawsuit against me for writing bad checks.
Consumer complaint received 2015-06-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My father passed away on XXXX XXXX, he did n't have much when he died but had a couple of small accounts, including an IRA with Bank of America - we have been trying to close out that account and collect the small amount of money for XXXX months. We 've supplied a copy of his Will, letters of testamentary, Small Estate Affidavit, and death certificates, still to no avail, I even sent a letter to their President/CEO. We have gotten the same standard reject letter XXXX times, saying they need legal documents, we call and they need XXXX item filled out on a form. Then the next reject letter comes, and repeat, XXXX times. My in-laws are worth a lot of money and have pulled their money from this bank, horrible customer service, horrible procedures, just a horrible bank!
Consumer complaint received 2015-05-09
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I would like to make a complaint against Capital One Bank and their other division Capital One 360related to the transfer of my funds from a IRA 10 year CD to a IRA money market account. 

Around XXXX/XXXX/15 I mailed Capital One 360 the required form for a Trustee to Trustee transfer of the funds from a IRA CD with Capital One Bank that was maturing on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One 360 to verify their receipt of the transfer form. They verified having received the transfer form and informed me it was signed, approved, and mailed to Capital One on XXXX/XXXX/15. 

On XXXX/XXXX/15 I called Capital One to see if they received the paper work from Capital One 360. 
I was informed they did not receive it and that the transfer form should have been mailed to Capital One not Capital One 360. I argued with the Representative that what she was telling me was incorrect and the form must be sent to Capital One 360 and they must sign it and then forward it to Capital One. 
She insisted that I mail a copy to Capital One which I did. 

In addition, on XXXX/XXXX/15, I called Capital One 360 and asked if they could fax the form to Capital One and they refused. 

On XXXX/XXXX/15 I received a message from Capital One to return their call. 

I called Capital One on XXXX/XXXX/15 and they inform me that could not accept the form I just mailed them because it was not signed and approved by CAPITAL ONE 360. which is what I tried to explain to the Capital One Representative on XXXX/XXXX/15. 

At this point I requested to talk to a supervisor at both divisions. 

After discussing what had transpired in the past it was agreed that Capital One 360 would fax the original form to Capital One today and confirm it by Email to me. Never received any confirmation. 
I would have expected at least XXXX of the supervisors ( XXXX ) would have folllowed up on my problem. 


Capital One said they did not receive the form from Capital One 360 because I had the wrong address of Capital One on the form, this is completely FALSE, because I put the address that Capital One gave me and is on all their correspondence XXXX XXXX XXXX XXXX. XXXX. In addition, if it was incorrect Capital One 360 should of corrected it. 

At this time I have no idea when I will have access to my money. 

Banks should be penalized for not making customers funds available because of their incompetence. 

My funds not being available when due has cause me major problems. 

I have another CD maturing on XXXX/XXXX/15 and because of the new IRA rules requiring trustee to trustee transfers for IRA rollovers. I would like written instructions from Capital One on how to get my money transfer to another institution on a timely basis. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
Consumer complaint received 2015-08-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: First Title & Escrow, Inc (VA)

I worked for about two months but got terminated for complaining about employment and RESPA violations at First Title & Escrow , Inc. headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX with phone number ( XXXX ) XXXX. They have offices in other states but I worked in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
This company is doing about XXXX transactions a month and I highly suspect they are not compliant with RESPA regulations for kickbacks or marketing service agreements. I know that their main source of business in XXXX XXXX in XXXX, XXXX comes from a marketer, XXXX XXXX, who is the daughter of the President/Executive of XXXX XXXX XXXX, XXXX which I think maybe in violation of a mortgage kickback scheme since they can not be an affiliate of the mortgage company. 
Please investigate this company. XXXX cases a month from honest marketing efforts -- I highly doubt it. This will be very similar to the XXXX company you investigated. 
XXXX
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

For a number of years I have had a Capital One credit card XXXX hereinafter XXXX ). For some time I have had various businesses ( XXXX XXXX XXXX, XXXX XXXX, etc. ) automatically charge XXXX for reoccurring monthly fees. This has worked fine till now. 
The way it works is I sign onto a businesses web site and enroll in / update my automatic payment information XXXX hereinafter AutoPay XXXX. After a period of time XXXX several business days ) the change percolates through the business system and everything is in sync. 

My current problem is that XXXX decided without informing me to issue a new card with chip technology and invalidate my old card. Although I have updated the AutoPay information there is a likelihood that a business will attempt to charge the old CARD info because of the delay in synchronizing all of their systems. I have chatted with XXXX and XXXX from XXXX and they ca n't provide a solution. 

With the prevalence of e-Billing and e-Payments / AutoPay methods I feel that it is incumbent upon XXXX to have a method of processing AutoPay events that are referencing the old card information while the individual notifies business of the card information changing and the business processes the change in information. And although I am involved with Capital One the need applies to _all_ credit card issuers. 

Therefore I am requesting that your agency contact Capital One regarding this problem and consider promulgating regulation XXXX XXXX ) to implement this.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A late payment of XXXX days hit on my credit report for a credit card that I did not know existed. There is no way this account is mine and and after getting a copy of my credit report, it was opened in XXXX. Can you please look at the history of this account and provide me with who opened it and how? XXXX has the account linked to an address of XXXX XXXX XXXX, XXXX, NJ which is where my ex-boyfriend used to live and it seems that he might have opened a card under my name illegally. If he did, then I will file a police report and identity theft affidavit but I am sure that after you do your research and what account the payment came from, you can see it is not mine.