davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I am a minority, single, XXXX woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. 
I spoke with XXXX representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that XXXX was. This IS very confusing and unethical! 
I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. 
The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. 
I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. 
The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! 
XXXX XXXX XXXX
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, Simple Bank froze my account without telling me a reason why, but requesting bank statements for all external accounts linked to my account with them. As far as I was aware, the only linked account was the one from which the initial funding came, which was with XXXX, so I responded to their message with that information. After receiving no response, I looked again and noticed that there were two accounts I did not recognize that were showing up as linked to my account, so I sent another message stating so, and again received no response. I have called the customer support line multiple times trying to get any information about what is going on, if they need anything else from me, and to get an idea of when I could expect to be contacted or when the issue might be resolved. The customer service representatives claimed they were unable to provide any of this information and refused to transfer me to a supervisor or to provide contact information for anyone that could possibly answer my questions. I have been unable to access my funds for a week now, and Simple Bank is providing zero information to me. At this point, I have missed bill payments and have no money with which to buy groceries/gas/etc. and I have a rent payment coming up that I am afraid I will not be able to pay because my funds are inaccessible.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX Thank You Points ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months ) of the bonus and did not receive it. I called and talked to a rep who told me I met the requirements and would receive the bonus in 1 month ... it did not come. I called and talked to a second rep who told me I was good to go and they would apply to my account in another month ... it still did not come. I filed multiple complaints with them and they said I was not targeted, even though I was via mail. Furthermore even if I was not, they told me on multiple occasions that I met the requirements and the points would come in.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Was recently assessed a {$6.00} service charge which I was told was for " paper statements '' I have always elected to receive electronic statements and have never paid a service charge. I asked to have the charge returned to me and was refused. I was told that when the current owner of the bank took over on XXXX XXXX 2016, I had to re enroll to receive electronic statements, which I did. I have never received a paper staement in the mail, despite being charged for it on my XX/XX/2016 statement. I attempted to resolve this over the phone with no luck. I mentioned to their customer service that I would be taking my business to another financial institution. They then said they would have someone from my local branch contact me regarding the issue. More than a week went by without hearing from anyone. I went into my branch today to inquire about it and was told the same thing. " It is not a bank error, there is nothing we can do '' I believe it is in fact a bank error. After not getting a satisfactory resolution, I closed all of my accounts with this bank.
Consumer complaint received 2016-05-25
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: POPULAR BANK (NY)

Was called for loan. then called lender and they said I would have to pay a returnable fee of {$180.00}. Sent money by XXXX card from XXXX and the loan of {$3000.00} was not put into account as promised by lender.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

This complaint is because Experian has ignored my request to provided me with the documents that their company has on file that was used to verified the accounts I disputed. They have gone past the 30 days and ca n't verify these accounts.Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I have disputed. I need this issue resolved as soon as possible. 
Thank you,
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Complete Collection Services, Inc. (WV)

In XX/XX/XXXX-XX/XX/XXXX, my XXXX daughter, XXXX XXXX, had XXXX at XXXX XXXX hospital. She had XXXX  XXXX, but they did not have a specialist available to do her XXXX. Prior to the XXXX, I confirmed that XXXX would cover the costs with the doctor. After the XXXX, we began receiving bills from XXXX XXXX. Apparently, the doctor and hospital room costs were covered, but not the XXXX ( whatever that was for ).  Under the law, you have to tell patients what is not covered prior toXXXX and they have to agree to pay it. This did not happen. Instead, this account has been report to Complete Collection Service, XXXX. XXXX XXXX, XXXX, VA XXXX. The collection agency has reported this account to the credit bureaus. I disputed the account, but XXXX has decided that it was reported correctly. I am not responsible for this account because the XXXX did not disclose any charges prior to providing services. This is predatory billing practices. The account numbers are XXXX and XXXX.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NY)

On XXXX/XXXX/2016 I contacted the XXXX to help me obtain a letter from Dynamic Recovery Solutions to have an inquiry on my XXXX credit report removed. 
When I contacted Dynamic recovery solution they would not allow me to have any information involving the account because the social security numbers do not match, therefore how is the account mine if I can not access it due to the social security numbers not being a match. I have not owed any outstanding debts involving my credit in over 7 years, therefore Dynamic recovery solution had no grounds to access my credit information and it should be removed. 
Although this matter on my credit report is somewhat resolved, I would like the proof ( who the client is ) that hired DRS to perform the inquiry. Again, I have not had any outstanding debts over the past 7 years and according and to Section 213 ( 2 ) of the CPLR it states that the statute of limitations to commence an action upon a contractual obligation or liability, express or implied, except for residential rent overcharge, certain transactions described in the Uniform Commercial Code, or warranties on new homes, must be brought within 6 years after the cause of action accrued. This statute of limitations includes all " consumer credit transactions, '' such as credit cards, and is calculated to run from the date of the last transaction ( either the last credit purchase, or the last payment made, whichever occurs last in time ). 
The purpose of contacting CFPB on this matter is to reveal how Dynamic Recovery Solutions did not abide by Section 213 ( 2 ) of the CPLR, in which DRS should be very familiar with considering the nature of the business. Furthermore, DRS still has not provided any proof as to whom hired them to inquire about my consumer credit report to the XXXX. And on the letter they emailed me, it clearly has the wrong social security numbers. I hope CFPB requires DRS to produce the proof leading them to obtain my consumer credit report, which is the whole purpose of this complaint. DRS is a company that could get anyone 's information at their fingertips, and should be investigated for not following guidelines. I pray that CFPB thoroughly investigates this matter and is able to help in aid to put DRS in some type of violation of code due to this kind of intrusion of my personal information. Federal law strictly regulates who can obtain a copy of your credit report. The Fair Credit Reporting Act ( FCRA ) lists the " permissible purposes '' for obtaining a person 's credit report and I believe DRS did not rightfully have one. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (PA)

I had a chase XXXX card. I was offered to " upgrade '' to a " premier visa '' for a higher annual fee. In return, I was offered XXXX bonus points after spending {$3000.00}. I completed the upgrade and spent {$3000.00}, but did not receive the points. When I called to inquire, I was told " I am sorry but our system will not allow us to award the points to an upgraded account ''. When I read the offer, the customer service rep said that they understood because they have received the same complaint from others, but the system prevents them from fulfilling their offer. My issue is that I met the terms and increased spending based on this offer, and now Chase is not meeting its end of the offer, and the customer service rep acknowledges that this is a problem where they are misrepresenting the offer. As a result, I informed rep to cancel my account on XXXX/XXXX/2016 and that I would file a complaint.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Revenue Assistance Corporation dba Revenue Group (TX)

I fraudulent debt collection XXXX I was making a payment to on a car payment some way I got revenue group on the line I do n't know how the intercept payment but my car was reposted because the payment went to this company. I am XXXX and XXXX daughter is the representive on my debit card so I had to call her to make payment.Payment was made but we found out revenue group got payment they stated I called them not he line but I would have never called them since this claim ins ligation with workers comp.They fraudulent received payment which caused my car to be repossessed.and they. Refuse to make amends I asked them since 2014 to refer to workers comp company. they caused my car to be repossessed.and XXXX to me, In XXXX and received XXXX for this.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: OneMain Finance Corporation (MO)

My balance was paid for my XXXX billing cycle, like every other balance so far this month they decided to charge {$30.00} in interest and then could not explain to me why over the phone for over 50 min and eventually told me they would just have someone call me back
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

I have filed QWRs with both of my mortgage holders. I believe that the response I received from both companies does not meet the legally required guidelines that have been set forth. They seem rather condescending and unwilling to provide the requested information. I do n't believe that said information is proprietary or restricted in any way, after all it is my loans that we are discussing. 
I would greatly appreciate any assistance in obtaining my requested information from these XXXX companies. I would like to know the legal status of my loansl I have attached my initial correspondence with both companies. 
Thank you for any assistance you may be able to provide.
Consumer complaint received 2017-01-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KY)

I bank with US Bank in XXXX, KY. Sometime around late XX/XX/2016 I went through the teller line in the drive through as I had my XXXX small children with me. I made a withdrawal and the teller at the window asked me if I 'd heard about their new credit card. I stated I had not and she proceeded to give me some information and a XXXX page piece of information on the card. She asked me if she could send me some information about the credit card and I said sure. She confirmed my mailing address, which I advised was correct and I went about my way. Approximately XXXX weeks later I received a letter in the mail from USBank stating my credit application for the card had been denied. I was confused as to why I was getting this communication and then it clicked that the teller in the drive through line must have submitted an application in my name WITHOUT my consent. I called the number listed on the paperwork USBank had sent me regarding the denial of credit and they indicated the only thing they would be able to do is remove my application for credit, they could not take it off of my credit report as an inquiry. I never had any intentions of applying for this card as I know my credit is not great. I just wanted to get my cash and go and instead credit was applied for in my name without my written or verbal consent. I was told the XXXX inside the branch may or may not be able to do anything about the inquiry but that I should I try to contact them. This is a huge inconvenince and extremely unfair considering I never applied for this in the first place. I would have to take time off of my job to speak to this XXXX who may or may not be able to even assist me. To date this issue has still not been resolved.
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I have account with Citi bank for almost 10 years. I was trying to login to my account but it was asking me about my new debit card that i supposed to received, i never received so i called the customer service, the citi bank representative trying to send me the replacement when she verified my address she said that there was some problem in your address, we sent to the different address. I explained her that I receive all my citi bank mail on this address for the last 2 years and never had any mailing issue. when i asked can you tell me what is my current address and when this got changed. she said she ca n't share these info. i request to talk to supervisor, she said we have the same mailing address and she came with another story that your account has been closed few days ago due to overdrawn., I told her that citi bank closed all their location in my sate ( Pennsylvania ) long time ago. the only way to access my account is online or through ATM. i did n't have access to it. i asked for solution. she said no solution to it.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have informed Transunion that the XXXX account showing on my credit file do not belong to me. There may have been some mix up or Fraud Activity but this is not my account. I have contacted XXXX and they have not responded to me. So, I do not know how Transunion is getting this inaccurate information.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a credit card with XXXX in XX/XX/XXXX and was recalled to XXXX as a XXXX, I requested the SCRA 6 % APR on the XXXX Visa account balance of {$5100.00} and a 34.99 % APR, I also tried to cancel the Credit Card Protection Plan that I had been paying for, because it was n't going to cover my payment protection while I was on XXXX and it was causing my account balance to stay over my limit each month. The XXXX Visa account was closed in XX/XX/XXXX, but the CCPlan continued to be charged to my account, as well as the 34 % APR until XX/XX/XXXX and once XX/XX/XXXX Applied the SCRA provisions to the XXXX visa account, and adjusted the balance for the interest in XX/XX/XXXX, the never refunded the Credit Card Protection Fees Charged and it was well over {$1500.00}. I paid off the balance on the XXXX account, but disputed {$900.00} for the CCPlan. I XXXX to XXXX in XX/XX/XXXX and when I returned the credit card account number reported was changed to a number I was never able to get the last four numbers for. I had disputed the account on XX/XX/XXXX with Trans Union and it was removed. I filed a law suit for SCRA violations and never able to filed the complete 3rd credit card number in the Complaint, I had to deploy during the case proceedings and it was dismissed. I was XXXX in XXXX in XXXX and my Clearance was Adjudicated and the XXXX Visa account was reported as the {$910.00} being Charged off, but it was the same number that was n't my account, and the POC wanted to know if XXXX has paid me or had been attempting to pay me. As I said, the disputed amount was for charges that the CFPB had Settled in a Consent Order in XX/XX/XXXX, and a check had been sent under the last four numbers of the account, but I never knew it was about my credit card until now. I wanted to see why XXXX has continued to report my XXXX Visa account as Charged off when they paid me more then the amount claimed were charged off under the credit card account number being reported with all XXXX Major Credit Reporting Agencies? I 'll provided the account documents to verify that my account was apart of the CFPB case in XXXX, and the credit card account is effecting my ability to continue my work currently. But I do want to THANK the CFPB for doing so much to fix a failing system, you have been hope for a lot of Servicemembers who had given up. Thank you
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

I own XXXX properties. XXXX is my XXXX CA home where I reside and the other is my XXXX CA home which I rent to a XXXX which I own. In XXXX 2015 I began working with US Bank in XXXX, CA to refinance my XXXX home in order to pay off the mortgage on my XXXX home. At that time I owed about {$25000.00} on my XXXX home and about {$360000.00} on my XXXX home. My wife and I have exceptional credit score. My loan officer never suggested that we would have a problem securing a loan. However, I was denied the loan because I wanted to much cash out of my XXXX home. The loan officer was well aware of my intended use of the money from the casjh out from a loan on my XXXX home. I believe he should have known about bank policy regarding the limits for cash out loan. He advised me that the underwriters denied the loan which may be correct. However, I should have known about bank policy before I agreed to an appraisal which cost several XXXX dollars. I believe that the bank should reimburse me for the appraisal fee and other expenses associated with my attempt to secure this loan.
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT NO. XXXX - BALANCE {$760.00} XXXX. ACCT NO. XXXX - BALANCE {$780.00} XXXX. ACCT NO. 898205 - BALANCE {$1000.00}