davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NE)

Our mortgage was sold to Roundpoint within a month of our closing XX/XX/XXXX. On XXXX XXXX, XXXX we experienced a significant hail/wind/rainstorm overnight which resulted in approx. $ XXXX in damages to our home. After our insurance company had an adjuster do a review, and a contractor did the same, I contacted Roundpoint to discuss the procedures for having the repair check ( which was made out to them as well ) endorsed - I was emailed a document showing the lengthy requirements to fulfill in order to have them endorse and return the check. I was also told to send the check via overnight mail with a delivery confirmation, and to include a pre-paid return overnight envelope, which I did. The check was mailed to Roundpoint on Tuesday XXXX XXXX at XXXX PM and was signed for by XXXX XXXX from Roundpoint at XXXX on Wednesday XXXX XXXX. Roundpoint Mortgage then deposited the check for $ XXXX+ into their banking account on Friday XXXX XXXX. I contacted Roundpoint Customer Service on Monday XXXX XXXX and after 33 minutes on hold was informed that the check was " ... being reviewed for approval and processing. '' On Wednesday XXXX XXXX, after 66 minutes on hold, I was informed by XXXX XXXX that the check had been processed and mailed on Tuesday XXXX XXXX, and that it had been mailed in the prepaid, overnight envelope. I informed XXXX that the USPS was not showing it in tracking - she then informed me that it had gone out late in the day, so may not yet. On Thursday XXXX XXXX, the XXXX software still had no record of this envelope so I placed another call to Roundpoint - spoke with XXXX ( sp? ) and was informed that the envelope had been mailed on Wednesday XXXX XXXX. XXXX was unwilling to discuss the discrepancy and placed me on hold until the call was disconnected by the system. Upon calling back I spoke with XXXX who placed me on hold for XXXX minutes while attempting to put me in touch with XXXX XXXX again. XXXX kept me on the call for over 80 minutes more. She told me that she personally spoke with XXXX XXXX, the Correspondence Supervisor, who told her that the envelope had been delivered to the local postal station, by hand, and had been placed into " ... a bin in front of the counter ... '' at XXXX on Wednesday XXXX XXXX ( the different mail times point to the lies referred to earlier ), and that, at the time of our discussion ( XXXX CST ) " ... the post office must not have checked it in yet. '' 2 hours later, XXXX CST, there is still no evidence of this document having reached the USPS facility as stated. 
It is my belief that Roundpoint Mortgage is deliberately delaying the disbursement of these funds in order to utilize the $ XXXX+ for financial gain, and every day that we are without these funds we are delaying necessary repairs to our home.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Debt Mediation, Inc. (FL)

I was called by my step daughters boyfriend. He said Proffesional Debt Mediation called him asking about me and wanted information. This person was called on his private cell phone and is not related to me. they called XXXX/XXXX/2016 @ XXXX. This is not a Company I am doing business with. They Contacted me in reference to a debt from XXXX XXXX that I am disputing. I never signed a contract with XXXX and I told the salesperson I was unable to pay the co-pay because I was laid off and my husband is a XXXX. They installed the roof and the original bill ballooned from {$1700.00} to {$3800.00}. XXXX representatives were verbally abusive and actually frightened me to the point I would n't leave my home. To have a collection company calling acquaintances is also frightening and an invasion of privacy. I never signed a contract with XXXX. The salesman had my husband sign my name. My husband is not the owner of my home it was purchased prior to our marriage and with his physical condition. He believed he was signing an estimate not a contract. The signature was acquired outside on top of a car.
Consumer complaint received 2016-06-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation (AZ)

My credit history was accessed ( Hard Credit Hit ) without my permission. I received a call from XXXX XXXX with Academy Mortgage, a mortgage lender whom I told I could n't talk. He said he would email me for the information he needed and I agreed and he subsequently ran my credit but never mentioned it and never implied that he was going to pull my credit. As I am sure you are aware this had a negative impact on my score and I am in the process of disputing it with the bureaus and the service he used.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I joined AAdavantage Premium Select Credit Card back in XX/XX/XXXX. Their promotion stated XXXX miles for spending {$3000.00} on first 3 statement. I spent over XXXX in two month. The reward page showed that i will be getting the XXXX on my next statement date of X/X/2017. However, Citi Bank ( credit card issuer ) closed my account for having too many inquiries showing on my credit report on X/XX/2017. I called Citi bank for the reward miles and they refuse to provide XXXX miles that I should be getting.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Our home at XXXX XXXX XXXX, XXXX XXXX, CA was foreclosed on while in a modification with BSI Financial Services. 

* Our home was foreclose on XXXX XXXX.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX To : CFPB On XXXX/XXXX/XXXX my father XXXX due to a XXXX and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already XXXX dollars in late fees. I reach out to XXXX to start the loan modification because of financial hardship. A few months later XXXX sold the loan to XXXX ( XXXX ) XXXX ACCT # XXXX. XXXX sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial information including my mom 's financial information we had to fill a XXXX form at least 3 to 5 times, I send them the copy of the deed and a copy of the lease agreement twice. Every other month I fax them my paystubs my bank statements Witch seem to lose or misplace every time. They never contacted me I 'm the one always calling everyday trying to get an update and every time I call my loan is always in review and an a few days later they say that my loan was denied because I did n't send them the paper work in a timely manner. They always request the same information throughout the loan modification process. Even if I had already sent them all the paper work they require. I reach out the XXXX on an everyday basis to find out if am missing any paper work do they need any paper work they say no and a day later they say your application is denied because you did n't send the proper paper work, than I have to start the process all over again. Threw the months I reach out to XXXX they say my account is in review and they ask to send paystubs and bank statements witch I always oblige and send the next day. The final straw came On XXXX/XXXX/XXXX I reach out to XXXX to check the status of my loan they say it 's still in review and they inform me on XXXX/XXXX/XXXX my loan will be service by Shell Point XXXX. When I reach out to Shell Point on XXXX XXXX they told me that it will take 15 days for my paper work to be transfer from XXXX. When I call Shell Point a few days later they told me that this investor does not do Loan Modifications and I would have to make the past due balance, Pay the loan completely or do a short sale and if not my house will be in foreclosure. One thing I do n't understand is that I told XXXX from XXXX ( Ext. XXXX ) that I was getting statements, he told me not to worry about it because the account is on hold. If the account was on hold why is Shell Point Financial inform me that the account is delinquent and I have to pay XXXX dollars to restore the loan. My soul purpose for going through this hard ache is to stay in my home because this home is the only thing I have to remind me of my father and he work too hard to purchase this home and for it to be lost. At this time I 'm trying to see if I can refinance my house with another company or to see if I can pay the late charges with a loan.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a Kohls charge card account. I called them in XX/XX/XXXX to ask them what my balance was so I could pay it off in full as I was going to be working abroad for a few months. I paid off the amount they provided to me, but turns out while I was away, there was an unpaid balance of {$20.00} which with interest and all had gotten to XXXX . I tried to explain the situation and also requested transcripts of the call which I had to show that they had assured me that there was no balance but they refused to do so.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MN)

I opened a Macys credit card last fall, made some purchases and never received a bill. I called and they made a XXXX time credit to my account for the late fee and finance charge and I paid the balance in full. I again purchased an item over the holidays with the card and did not receive a bill. To prevent fees my wife called the week before the billing period and paid using the automated phone service. Macys stated the call never happened and again charged me for late fee and finance charges. We looked through bank statements and could not find the payment so this was indeed puzzling. I reviewed my phone records and did find proof of the call so I called Macys back and they did admit a call did occur. The call was 8 minutes in length but an error occurred. I asked for the specific error and they would not share details of the error with me and insisted I pay the now near XXXX dollars in late fees. Mind you all fees at this point are charges from finance charges and late fees. I work in XXXX for XXXX XXXX and have supported dozens of Voice Recognition systems and very familiar with what information is available so why they refuse to share is a problem with me. Every button you select, the time between buttons, the errors encountered. It is a legal record that must be maintained for seven years. I have been billed to date well over XXXX dollars in fees on nothing but fees. No late charges were actually in affect for products purchased. They called me more than a dozen times to get me to pay the XXXX in fees I felt I did not owe. I tried on several occasions to get this resolved and most often they would put me on hold and the disconnect after 10 minutes or so. When I tried to understand why I was not getting statements it was discovered they had the wrong billing city listed. After several calls daily from Macys collections I tried to get this resolved but finally buckled and was forced to pay almost XXXX dollars in fees on a finance charge. I paid the charges and closed the account. This occurred last month and since my address has been corrected I received a billing statement this week. The process has started all over with a {$2.00} fee being charged. If I do not pay this {$2.00} I will get yet another {$37.00} late fee. I 'm not sure what type of scheme they are running but to date the card has cost me over {$100.00} in so called Fees. They add {$2.00} monthly and if you do n't pay it turns to {$37.00} a month over and over and over. How can this be a legal practice? What is the mysterious {$2.00} fee that rolls into a {$37.00} late charge? Is this practice legal? How can I get my {$96.00} that I paid to protect my credit? A service fee that turns to a late charge compounding into a late charge due to a bad address? I closed my account but am still getting Fees. How can I get off of the cycle here? HELP
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

Bank cashed a check with no endorsement or tracking information. Bank cashed check on XXXX XXXX. I ask for a copy of the check, when the party to whom it was written informed me that he had not gotten it. I received a copy of the check XXXX XXXX. 
XXXX XXXX, I called Citibank to inform them of the fraud. I received a complaint number, and was told that an affidavit would be sent by mail. I called many times, because I received no affidavit. On XXXX XXXX I was told I could go to any branch and fill out an affidavit. XXXX XXXX I did so. XXXX XXXX I called Citibank for an update and was told they did not receive the affidavit from the branch. They say they are sending the affidavit again by mail. They say this could take 90 days to resolve. Why? This was my rent check.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

On Thursday  XX/XX/XXXX  I visited the local Wells Fargo branch in  XXXX , VA with the intent of completing a routine deposit transaction. The teller assisting me stated she was unable to deposit the check because it was made out to an individual and this was a business account. I asked the teller to review the account because the check has been deposited several times she became combative and said NO I dont need to. She proceeded to say " try  XXXX  where you belong '' I asked for the manager  XXXX  came over and nonchalantly said we ca n't help you. I asked for his manager, he replied " your wasting your time '' and he will not be available until after  XXXX . I insisted to obtain the information, he laughed and walked away. I took a seat in the lobby waiting over 15mins for him to return with the information. Upon returning without the information he asked if I ran " 1 of those home health care businesses '' I replied no and asked for the information again. He did not provide the information and stated they can not assist people like me. I have never felt more disrespected, and discriminated against.
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How can your complaint be satisfactorily addressed?
Have the check and transaction reviewed and accepted as it has in the past. The entire branch staff needs training on discrimination and check deposit policies.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc. (OH)

I have a a unverified account from AARGON AGENCY. I had previously disputed this account. I have never done business with AARGON AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXXthe talked to XXXX XXXX XXXX XXXX to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with transunion please fix. XX/XX/XXXX the per attached pictures said late changed to current per XXXX Last nightXX/XX/XXXX XXXX XXXX XXXX XXXX hit my credit with transunion again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Data Corporation (TN)

My late father was my emergency contact. He is now deceased, his name is XXXX XXXX. His social security number is XXXX. XXXX XXXX once lived with my late father. XXXX XXXX stole my drivers license, with the help of XXXX XXXX. My home was broken into in XX/XX/XXXX, this is the year I learned I was a victim of identity theft. I 've been retaliated against every since. The FBI told me it 's an inside job. My check books was stolen from the home, lab tops, mother board after my computer was hacked into and all of my files was taken. My date of birth have been changed with all three credit agencies. All of my former employers have been changed with all three credit agencies. All of my former addresses have been changed with all three credit agencies. XXXX XXXX and the entire XXXX XXXX is involved with organized crime and they need to be stopped. I began using my maiden name before I knew it was my entire family members. XXXX XXXX XXXX XXXX have also been abusing my identity. They violated my protection under the wage earner courts. They 've gotten property in my name while I was under wage earner, cars, bank cards, etc. I filed a XXXX XXXX law sue in XX/XX/XXXX. My XXXX was prepared by both parties without my knowledge. The case number is XXXX. Honorable XXXX XXXX was the Judge over the case. I have a few check numbers. I also have checking account numbers. XXXX XXXX XXXX. Check numbers XXXX - $ XXXX- $ XXXX $ XXXX $ XXXX,XXXX- $ XXXX {$30.00}. XXXX XXXX XXXX XXXX XXXX account number XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ein number is XXXX. I was employed with the company twenty-two years. From XX/XX/XXXX-XX/XX/XXXX. Please see my drivers license with my name XXXX XXXX XXXX. There maybe accounts set up with new banks that I am not aware of. I no longer have a account any where. I do n't have an income, because of the theft of my identity. I ca n't get XXXX from social security. Anything I apply for using my social security number it 's taken from me. Health care insurance, etc.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX I was rebuilding my credit and opened 3 credit cards XXXX, XXXX, XXXX ( was XXXX ) but they changed into a XXXX. XXXX {$5000.00} $ XXXX XXXX $ XXXX XXXX the cards did what they were supposed to do, I repaired my credit by having 100 % on time payments. I paid of the cards with the CD 's established to secure them. I thought USAA was really a XXXX XXXX XXXX ( I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Veteran ) As long as the cards were Maxed Out and I was making the minimum payment everything was great and I got great customer service. However ; my credit being repaired I have 8 unsecured cards, the secured.cards were no long need. I knew they were paying only .50 ( half a percent ) interest on my CD securing the cards, and they were loaning my money out for 11 -17 % to members of the CU. And I knew they were charging me 11-17 % on my purchases and more on cash advances ( 35 % ). BUT WHEN I PAID THE CARDS OFF! That is when I found out USAA did not love me and were not altruistic. The beginning of the TWILIGHT ZONE! That is where the problems started. 1. I asked for my refund on my XXXX to be deposited into my Checking Account, causing me to have to drive 180 miles round trip to pick up a {$110.00} check. 2. I asked for my refund on my USAA Secured XXXX to be deposited into my Checking Account, causing me to have to drive to collect {$24.00} XXXX. I asked fo rmy refund on my other USAA Secured XXXX to be deposited into my Checking Account and they so far have refused to refund {$550.00} to date. Giving me many excuses why they can not release my REFUND???? THEY ARE RETALIATING AGAINST ME FOR ASKING FOR MY OWN MONEY! signed