davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Bureaus, Inc. (NY)

After receiving a call for the first time, was told they called me XXXX times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.
Consumer complaint received 2015-11-26
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

I figured out what has happened with one part of the alleged fraud on my American Express Account. Iemailed and faxed the information to Amex, but Icannot upload the supporting information becausethey closed the inquiry just days after I made thecomplaint. They also closed down my account aday before payment was made in full because of mydispute and out of retaliation, and now I cannotupload the evidence I found to the dispute center, and it will not allow me to re-open this additional. 
dispute, which is actually XXXX disputes. The lettersand information I am attaching proves what I amalleging as to how this part of the fraud more thanlikely occurred, but Amex refuses to listen to me orinvestigate and retaliated by closing an accountpaid in full.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (NY)

This is the letter I submitted to Fay Servicing regarding property taxes that they paid on my behalf out of my escrow account, on a piece of property that I did NOT own. 

To date, they have done nothing to resolve the issue. 

RE : Property taxes being paid ( on our behalf by your organization ) to the City of XXXX for real property, which we do not own Property in Question : Borough : XXXX XXXX : XXXX XXXX : XXXX Entire Lot ( parking space ) Unit : XXXX Address : XXXX XXXX XXXX XXXX To Whom It May Concern, It has come to my attention that it appears that we are paying property taxes from our escrow account for a piece of property that we no longer own. ( Your company is managing our escrow account and paying these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, XXXX, in their never-ending corporate incompetence ( which I have experienced multiple times with this mortgage ) sold you a mortgage to service which no longer contains this property. We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( the one we 're now paying through your organization ). 

We applied for, and were granted, a partial release of mortgage from XXXX. We were given permission to sell the parking spot, which we did. XXXX, in a very underhanded way, wound up keeping more than half of the net proceeds from the sale. 

Please update my mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for more than a year. 

That means all the property taxes for the parking which that you paid to the City of New York on our behalf last year ( XXXX, as well as the parking spot property taxes from XXXX XXXX - XXXX XXXX ) are owed to us and should be returned to us. 



Also, DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

RESURGENT CAPITAL SERVICES has initiated a review to collect on a debt that was settled in court back in 2012 and the debt currently paid off. They are claiming ownership of the original account and trying to collect, requesting documentation and my personal information, SSN and checking account payments in order to prove that I do not owe the debt.
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I order a mortgage payoff from Ocwen because the payoff is needed to obtain a reverse mortgage for me and my wife so we would lose our home. However when I got the payoff back from Ocwen they added my principal reduction amount of {$42000.00} back to my loan as part of my payoff. I was told that this would not happen because it was forgiven and now they are going back on their road.
Consumer complaint received 2015-10-24
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (MS)

Well first off i have a rushcard. I understand they r having ptoblems but when i cant get to my money its a big problem. I noticed that my card that had got stollen months ago was the card on file. And thats where my direct doposit went. Then today i checked it and XXXX is missing. every time i call someone is hanging up on me or acting like its not an issue and its not for them but a big one for me. I have bills and now i have late fees on bills.i also have a fine i have to pay and a child to take care of. I dont have gas and i dont have family to borrow from. Its just sad because i am stressing badly and the company does not care that my money is missing they think by saying its safe iits ok dont think that it is unless i have it. I work hard for it. Is there anything i can do my landlord thinks im full of XXXX and just dont have it.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I am noticing a repeated issue with late fees that are excessive in amount. I have a credit card that has been issued by Navy Federal Credit Union, and also have them as my main checking and savings accounts. I understand right of offset with missed payments, but I have noticed that if a credit card payment is even five days late, a fee of almost double the original amount is applied. For example, a monthly payment of about {$270.00} is due for a minimum payment on this credit card, but with a late or missed payment fee, the total amount is almost {$600.00}. Once the minimum is paid, a balance of $ XXXX still remains. This creates a situation where someone living paycheck to paycheck will not be able to un-bury themselves and maintain payment status and seems like bad practice.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I received a letter from Portfoilo recovery on XXXX/XXXX/2015 claiming I owed a bill, I sent a written dispute along with their dispute letter. They claimed they did n't receive it, however with speaking to reps from portfolio recovery they stated my account was in dispute, however I received a second letter regarding the same claim to collect money for the same claim that is in dispute. I have sent copies of the original dispute letter to Operation Manager by his request on XXXX/XXXX/15 after speaking to him on the phone. He replied to my email that it would be forwarded to the Vice President of the company, this alone shows proof that I disputed this claim upon receiving the XXXX letter. I have been called as well after disputing my claim. This is the 2nd time I have been contacted, once by phone and a second letter after submitting a dispute letter.
Consumer complaint received 2015-09-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (OH)

Check into cash on XXXX XXXX XXXX Ohio issued a loan to me for an amount of approximately XXXX dollars in XXXX, I made payments. Upon making another payment later in 2013, maybe XXXX payments later, there was a offer of refinancing loans and receiving a new loan for more cash. I asked that this special be explained to me thoroughly before accepting the refinancing of current loan or any extra money upon refinancing. After agreeing to get the loan I was handed approximately $ XXXX on a loan that was originally the $ XXXX, after refinancing. I was not made aware of that, I was fooled into accepting this with the understanding of a much higher amount, then handed {$30.00} approximately with expectations of hundreds more. Although there were emergency reasons for these loans, as a consumer I was lied to and cheated and taken advantage of. I now receive calls that I would be arrested and fake warrants via e mail threats. The original cashiers name was XXXX. This is criminal to XXXX people in debt and attempt to destroy my credit history.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp. (FL)

I traded my XX/XX/XXXX F150 XXXX. They financed me for a XX/XX/XXXX XXXX Corolla. My old finance company is United Auto Credit. They have called me every day in regards to my payment. I explained to them I do not own that vehicle anymore. I told them XXXX XXXX will send them the payoff. They continue to harass me daily. I just got off the phone with United Auto Credit as they admitted talking with XXXX XXXX XXXX, yet told me until they receive a payment the calls will continue. Let it be known I have never missed or been late on a payment. 

When I requested to speak with a supervisor they only sent me to a recording. I can not seem to get them to work with me at all. I did speak with XXXX XXXX about the issue. They insured me it will be paid, as I trust it will be. I know there is a process the bank has to take before sending a check. I do not want any bad di gs on my credit do to some underground lender like United Auto Credit. As I did some research on the XXXX, I noticed that I am not the only XXXX having similar issues. At the interest rates they are charging the least they can do is work with someone. Especially when you have dealer that size paying off your loan.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Wellsfargo fail to honor a previous modification agreement. I requested Wells Fargo Home Mortgage to process my application for the HARP Program because I am unable to meet my current mortgage terms obligations. I am a former XXXX that was release recently from XXXX and was XXXX as a result of military XXXX in XXXX. The only income I have is from my XXXX compensation from the Veterans Administration. Wellsfargo Home Mortgage is delaying the process and claiming they never documents they need in order to complete my application. I have sent the documents in question on several occasions, still they claiming they never received the information. They are still using this delay and deception to foreclose on XXXX and Veterans I can never get anyone to return my calls an/ or address my many letters regarding a response. They are deceptive in apply their on process and procedures and phone conversation are misleading and deceptive in practice.
Consumer complaint received 2015-06-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OR)

I required to file charging complaint against U.S. Bank into XXXX, Oregon because of they do not accept me with U.S. Bank checking account/debit because of Overdraft Record History with XXXX XXXX XXXX. I file complaint against U.S. Bank refused serve with me in opening account for personal checking and debit, included credit card because of Overdraft Record History and discriminates against me with deaf/hearing-impaired customer, appearances, and other source in U.S. Bank account, right now that I do not have any U.S.Bank account. I was not happy with U.S. Bank new account for me to use this credit/debit/check account because of bad records with credit record discrimination against me, and overdraft discrimination as well as service complaint package. 
Sent to U.S. Senators : ( finished )
Consumer complaint received 2015-11-25
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (AZ)

I HAVE A ALLY BANK ACCOUNT DID A DEPOSIT IN THE SAVING ACCOUNT .I HAVE A CHECHING ACCOUNT TO. THEY PUT THE MONEY IN THE ACCOUNT NEXT DAY BUT PUT A HOLD ONTHE FUNDS TO MONDAY I WAITING UP TO TRANSFER THE XXXX TO CHECKING AT XXXX DID NOT HAPPEN LIKE IT SHOULD THEY ARE IN PA SO IT WOULD HAVE BEEN XXXX AZ TIME .THEN INSTEAD OF PULLING THE XXXX FROM THE SAVING THEY PAIDED AND GAVE ME A XXXX OVERDRAFT FEE. I CALL IN TO GET THE FEE REMOVED AND PAY THE XXXX THEY TURNED IT DOWN. I WAS GOING TO CLOSE THE ACCOUNT. SO I DONT HAVE ALLY BANK PROBEMS THEY PUT HOLDS ON FUNDS TO MAKE MONEY OFF IT SO I CANT GET MY MONEY. I CALLED ALLY WAS TOLD BY CUSTMER SERVICE AS LONG AS I DONT HAVE XXXX TRANS ON SAVING I WOULD NOT BE CHARGED FOR COVING THE XXXX DOLLLARS FROM THE SAVING. MONDAY THE XXXX WAS THIER SO I PULLED IT TO MY ORTHER ACCOUNT KNOW TUESDAY THEY PUT A BLOCK ON THE ACCOUNT SO I CANT GET THE MONEY.AD THE TRAS I PUT THOUGHT WITH MY ORTHER BANK WILL OVER DRALL THE ACCOUNTAGAIN AND GET A NEW XXXX FEE. I REPORTED TO OCC CASE # XXXX AND THEY SENT TO FDIC CASE # XXXX THEY SAID TO REPORT THIS TO YOU THEY DONT KNOW WHAT OFFICE CONTROLLS ALLY BANK!
Consumer complaint received 2015-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (GA)

I 've been getting daily automated phone calls from XXXX ( XXXX XXXX XXXX for XXXX XXXX (? ) for the past week or more. More than half the times I 'm called I do not receive a message. The automated voice system also does not allow me to remove myself from whatever it is without staying on the line and " acknowledging '' I am XXXX XXXX.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NE)

Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NE)

Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in XXXX. Midland credit management also notified me past the statute of limitations.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NC)

I have a mortgage with CitiFinancial, based out of XXXX, NC. I went on line to make my payment of {$530.00} on XXXX XXXX. They deducted {$530.00} on the XXXX and again {$530.00} on the XXXX. This overdrew my bank account so I also accrued overdraft charges. My husband and I are retired so this money was needed to pay other bills. I called the XXXX time on XXXX XXXX and was told I would receive a refund in XXXX days. ( Probably would not take that long ). I called again on XXXX XXXX and was told again it would take 7-10 days by a not so nice person. I called again today and no one will help. They send me to voicemail and no one will return the call. Now its time for another payment which they can use the money for, but I am really disgusted with the treatment. They took money from my account which they did not have permission to, forced my husband and I to live on an overdrawn bank account for XXXX weeks and they no accountability.
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OR)

Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.
Consumer complaint received 2015-06-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (FL)

I went to XXXX in XXXX with hopes of starting a brighter future and while I was finally able to land a job in the XXXX they almost laughed during my interview when I told them I went to XXXX. My personal experience and own certifications landed me a job not the " education '' received at XXXX. What 's worse even though I was told I could later continue my education at another University I later found out that these credits were non-transferable! So everything they promised and told me and everything they " did n't '' tell me has hurt me and not helps. Also, thanks to Peaks private loans I started with a balance of {$21000.00} in private loans ( not to mention federal ) I have paid well over {$8000.00} and somehow still owe {$20000.00}. I feel ripped off and now feel like prisoner to debt.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on XXXX. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a copy of the appraisal which was indeed {$12000.00} more than the 80 % requirement for our loan request. My Wife and I inquired if the estimated loan closing costs could be reduced if we further reduced our requested loan amount - we were expecting State and Federal Income Tax Refunds. Our Mortgage Loan Officer responded by a voice-mail message and e-mail, that if we reduced our loan request to 75 % of the Fair Market Value - as supported by their appraisal - there would be {$0.00} closing cost, if we would agree to take an interest rate of 4.000 %. My Wife and I applied all of our tax refund dollars to the principal balance in order to reach the 75 % loan-to-value amount. On XXXX, we received a new Good Faith Estimate indicating the reduced loan amount, " higher '' closing costs and a different interest rate! My Wife and I began a crusade of telephone/e-mail communications to ask for clarification, but no one would respond - not, the mortgage loan officer, the assigned loan processor, or their individual supervisors. On XXXX, via snail mail, we received a " Notice of Action Taken '' dated XXXX that simply stated, " We 're unable to approve your request for a Home Loan because : The TYPE of property or the CONDITION of the home is not acceptable. '' The effective date of the Lender 's appraisal was XXXX! We believe that if this scenario is investigated, it will support the fact that there exists mortgage credit discrimination within XXXX XXXX XXXX Appraisal Documentation Guidelines which " deny '' equal opportunity/fair housing lending in small rural communities. PLEASE INVESTIGATE!!!
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hosto & Buchan, PLLC (TN)

my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, XXXX took over a credit debt back in 2008 and we went to court and XXXX told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm hosto & buchan hired by XXXX has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (PA)

XXXX with a TX address claimed to be a debt collector for XXXX I made a payment of XXXX but XXXX never received payment. XXXX claims they have no idea who this company is. XXXX tried to get me to pay another XXXX claiming that then XXXX would be paid entire amount that I am behind on. The phone number to this company is XXXX XXXX is XXXX cable network in my area. <P/>The amount taken from my checking account was on XXXX XXXX 2017 My bank has reimbursed me, because XXXX claims XXXX is a fraud and they have no idea who they are. But, I could still lose my XXXX at the end of this. <P/>Please help shut these people down! XXXX XXXX