davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: URS Holding, LLC (CA)

I belive the date was XX/XX/2017 between XXXX & XXXX XXXX, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX their XXXX XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a XXXX state phn # XXXX XXXX XXXX XXXX. Now I 'm stressing because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that XXXX XXXX Credit Card div is having them call. How could they have them do this to me?
Consumer complaint received 2016-05-16
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

My name is XXXX XXXX I was a customer of rushcard for 3 years. On XXXX/XXXX/2015 a direct deposit of {$720.00} was deposited to my account. On XXXX/XXXX/2015 my account became frozen and I was unable to get any monies. I had just moved to XXXX from XXXX because of my job. I had to borrow money from my job and coworkers because I moved down here alone to help pay my rent and bills On XXXX/XXXX/2015 was was given {$430.00}. When I called the customer service to complain about the monies that was n't on the account.I was on hold for 2 hours and they stated that was paid in full. The CSR staed that the transactions from me going to the ATM took off {$3.00} each time I checked on my monies. I change accounts for my direct deposit and they state they do n't owe me anything. Rushcard owes me {$290.00} plus compisation for putting me behind in my bills and still owe co-workers for helping me.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION (FL)

Residential construction loan. Bank and title company failed to disclose XXXX requirements that would have influenced decision to enter into construction loan agreement with bank. Bank failed to properly administer loan during draw and final funding processes. Title company failed to pay property taxes with funds collected directly from borrower. 
Specific issues : The day before closing the bank notified me that they needed certified funds of {$110000.00} from me at closing to complete the construction agreement. The funds were to be held in a " loans in process account '' and given back to me through the construction draw process. This was never disclosed prior to scheduled closing. I was stuck at that point. I paid the funds and never received any accounting of the funds being held nor was I paid interest on the funds that were held for months for disbursement. In order to recover the funds I was required to submit notarized affidavits to the bank certifying that all work was completed before it actually was completed. Final draw funding was refused by the bank until I complied with a different set of requirements, separate from prior draw requirements. After final funding and modification to fixed rate loan, title co. Collected 2016 taxes not yet due. They failed to pay the taxes when they became due and taxes remain delinquent and unpaid.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

I am an XXXX-year-old man who went to XXXX XXXX in XXXX, California to buy a used car. The salesman told me I did n't have good enough credit to buy a used car and said that I could get a loan for a new car. He arranged a loan with Westlake Finance for a loan with 22.19 % interest for the cost of the car plus a {$2500.00} extended warranty. My grandmother helped me realize what I would actually be paying for this car and took me to her credit union who bought out the loan and is charging me 2.44 % interest. On XXXX XXXX, 2016, I cancelled the extended warranty. XXXX XXXX told me the {$2500.00} would be sent to Westlake Finance within 60 days who would then forward the money to my credit union. After many visits to XXXX and phone calls to Westlake, I now have a copy of a cancelled check in the amount of {$2400.00} sent to Westlake by XXXX and endorsed and cashed by Westlake on XXXX XXXX, 2016. They deny all knowledge of it. XXXX says they have done their part and have washed their hands of the matter.
Consumer complaint received 2021-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (TX)

Debt amounts are questionable. I ran my credit report and seeing 4 medical debts from grant merchandise agency. 2 debts from kings collection. Grant merchandise is claiming I have 6 debts from them but im only seeing two debts being reported from XXXX. 4 from XXXX and none from XXXX. The amounts are not consistent from what I owe and would like them verified.
Consumer complaint received 2016-04-18
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (PA)

I have a student loan with Citibank that went into default. The loan was passed to XXXX ( XXXX XXXX XXXX ) to collect the debt. In XXXX 2015, I made contact with XXXX and worked with them to set up a " Settlement '' that would be agreed upon by XXXX, Citibank, and myself including setting up fixed monthly payments for a set period of time. I was then required to provide Routing and Account information for Auto Bill Pay and required to e-sign the settlement agreement. 

Sometime in XX/XX/XXXX or XX/XX/XXXX, Citibank ceased relations with XXXX and XXXX no longer was collecting my debt. I did not receive any notification that this had occurred and when I contacted XXXX they directed me back to Citibank. At the time, Citibank informed me they were collecting the debt in house and I made the fixed payment over the phone and was unable to set up Auto Bill Pay due to a problem with their computer system ( they would be inputting the information at a later date ). 

After Citibank did not continue with the Auto Bill Pay I again contacted them to discuss the issue. They then informed me that they are not honoring my settlement agreement, they have no records from XXXX, and that XXXX XXXX ( Collections ) was now handling my debt and I need to contact them. 

Again, never received any notification. This does not seem fair or legal. I have made a good faith attempt to handle my debt. My debt should be discharged for unfair lending practices.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : FST XXXX {$0.00} XXXX-Balance {$3000.00} XXXXBalance {$350.00} XXXX {$12000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$1400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) -XXXXBalance {$1400.00} XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX*-Balance {$1400.00} XXXX XXXX****-Balance {$190.00}
Consumer complaint received 2016-05-17
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I had an account with XXXX XXXX. Went to collections. Midland Credit Management is the collection agency. I paid them in full on XXXX XXXX, XXXX in the amount of {$580.00}. I have sent several dispute letters to the credit agencies because Midland is reporting inaccurately on my credit reports. It says that I failed to pay in XXXX of XXXX and XXXX of XXXX even though it says paid in full with a XXXX balance on the reports. They have tried fixing it but with no positive outcomes. They keep sending letters back that the information is verified. The only other outcome I desire is a removal of MCM off my reports. I have no other obligations with MCM. I am trying to get a mortgage in the next month or 2 so I can provide shelter for my wife and a XXXX we are expecting. XXXX XXXX removed themselves off my credit report for the said paid debt. I do not have time to go back and forth trying to correct a problem I have been trying to fix for the past 6 months. Its getting old and frustrating. When I call, no one can help me. I do not have the money to hire a lawyer and go into litigation with MCM. Its such a simple fix and everything can be resolved and I can go on with my life.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

In XXXX 2016, I opened a new Citigold Checking Account with Citibank after receiving promotional materials for promotion code XXXX. This promotion awards XXXX XXXX XXXX XXXX miles to a consumer who opens a new Citigold Checking Account, spends {$1000.00} on their new debit card, and utilizes BillPay services in two consecutive months. I was excited to try the Citigold product, as I 've done my banking exclusively with another bank and wanted to experience a different product. After opening the account, I received a phone call from a Citi representative who needed to verify personal information. This representative acknowledged that the promotion XXXX was attached to my account. 

In XXXX 2016, having completed all of the promotions requirements for the XXXX XXXX miles, I sent a secured message to Citibank. I received a secured response from Citibank on XXXX XXXX ( see attachment ). In this response, the representative acknowledged that my account was registered fro promotion XXXX, confirmed that I had completed all of the spending and billpay requirements, and wrote that XXXX XXXX miles would be awarded to my account by XXXX/XXXX/2016, 90 days after the closing date of the XXXX cycle. 

On XXXX/XXXX/2016, I sent a secured message to Citibank inquiring about my XXXX miles and received a secured reply that same day. That reply stated the following : my account is being investigated, but may or may not be eligible for promotion XXXX, despite what the earlier message ( sent by the same representative now replying ) said. The response suggests that I may not have been targeted for this promotion. The terms and conditions of the promotion said nothing about needing to be targeted, though the promotional materials I received were directed specifically at Citi XXXX credit card owners. As an owner of this exact credit card, it was reasonable for me to believe that the offer targets me. Nothing in the terms and conditions speaks to the contrary, and both both verbal confirmation by a telephone agent and a secured message by a Citi representative confirmed that I was eligible and registered for the promotion, had met its conditions, and would receive the bonus. 

Lastly, the XXXX XXXX secured response from Citi said that they could offer no time frame for an estimated date of completion on the investigation. In the meanwhile, Citi is charging $ XXXX/month in account fees.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

my mortgage has just been sold to shellpoint mortgaging services in XX/XX/2016 ... i received a certified letter today stating i owed monies ... .they only monies i owe is this month XXXX ... the letter is certified and threatening to me ... .default with acceleration and balance is this month plus next month. the letter makes it seem they can take my home from me if balance is NOT up to date ... i have seen many complaints from this company for same reasons on google and SOMETHING NEEDS TO BE DONE. i am current ... i should receive these letters if i am over 2 months late
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (MA)

I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today, what would it show!! This is identity theft at a whole new level. I have documentation ( date, time and name - It is too lengthy to list her. I want this nightmare to be over!
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why TD BANK REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and td bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so td bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so TD BANK Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

Purchased item on Macy 's CC in XXXX. Upon due date of payment, attempting to pay IN FULL on their website, the site was down. I called to make payment - their processing system was down. The representative documented my case and ASSURED me that I may mail payment but NO late fee or interest would be assessed. Received the next months statement WITH late fee and interest. Called to make complaint, which took hours out of my time to wait to speak with management. Was told over the course of THREE months this was resolved and I would NOT receive another statement. Come XXXX, I received ANOTHER bill for {$4.00}. IN anger and frustration, I wrote a complaint on their customer portal, but PAID the {$4.00} PRIOR to the due date in hopes this would finally be resolved. It is now XXXX and I have continued to receive COUNTLESS calls a day from Macy 's collections and continued to receive bills for {$2.00}, then {$4.00}, then {$6.00}, etc ... ( I am unable to answer my personal phone during any of their attempts to contact me, and it has taken at least an hour out of my day on my attempts to contact them. I can only imagine their efforts will be to submit me to collections over these ERRONEOUS minimal charges. As documented, I had already just gone ahead and paid the {$4.00} in XXXX, though was told REPEATEDLY by management I WOULD NOT receive another statement. I have multiple confirmation numbers if needed and I informed the representative each time I spoke with them in XXXX, XXXX, XXXX, and XXXX to record the conversation.
Consumer complaint received 2016-05-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I opened a CitiGold Checking Account in XXXX 2015 with a promotional code offering XXXX XXXX XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that my initial online bill pay through the account ( one of the listed requirements ) had been completed successfully and would count toward the promotion. I met the remaining requirements in XX/XX/XXXX, as confirmed via online chat with a Citi representative and Citi stated in the promotional materials the miles would post within 90 days of that statement ( anticipated post date in XX/XX/XXXX ; also confirmed by Citi rep ). In XX/XX/XXXX, I provided my XXXX XXXX account number to Ciit via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. In XX/XX/XXXX, I received notification my XXXX had been accepted, and the airline miles would be applied on my XXXX XXXX account statement. When the miles had not posted within a few days of the XX/XX/XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that I did not have a promotion attached to my account and was not eligible for the promotion. I have since paid {$60.00} in total monthly service fees to Citibank and have appealed their response multiple times with the same conclusion each time. On XXXX XXXX, I received a response from their customer service team offering to look into this issue further if I felt it was a mistake, however they have already rejected my advice to review the emails their team sent to me stating I was on track to receive the promotional miles credit. All they have done at this point is waive my next monthly service fee of {$30.00}.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Account balance from creditor is higher than what has been reported to me by more than {$8000.00}. Contacted creditor and they stated the amount is the lower balance that I was aware of and that I have no delinquencies, but my creditor report shows otherwise.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (OR)

I WAS NEVER LATE ON THIS ACCOUNT. I WAS IN A PANDEMIC RELIEF PLAN BUT THIS COMPANY MARKED ME 30 DAYS LATE FOR XX/XX/2021. I HAVE ATTACHED A SCREENSHOT OF THE PANDEMIC RELEIF PLAN DIRECTLY FROM THE COMPANY 'S WEBSITE.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Mortgage company affected my credit negatively. I applied for a loan modification because times got tough for me. I went around and around with BOA and many lies and many diseptive methods used to avoid modifing my loan. They refused my payments until I was placed into a position over the three month of non payment. I sent them a letter that I sent to the governor of Florida once they did this and immediately they decided they they approved my loan modification. After 4 years of XXXX, lies and absolute despection I do have my home and yes they modified it to a lower monthly payment but it 's not without a bittersweet note. They changed the terms to 40 years and now my credit has been compromised. I need help and would like to know what can and could be done. Please help.