davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A. (MA)

At approximately XXXX EDT on Friday, XXXX XXXX 2015, I placed a call to Citigroup ( at telephone number XXXX - hereinafter the " XXXX number '' ) in regards to a closed account. I was instructed that the people available on that line were not able to help me, but that I should call another department within Citigroup at telephone number XXXX ( the " XXXX number '' ). 

At approximately XXXX EDT on that same day, I followed the recommendation of the Citigroup employee, and placed a telephone call to the XXXX number. When an unnamed representative answered this call, she answered the call as " XXXX XXXX XXXX XXXX. '' As I had been led to believe that the XXXX number was another office within Citigroup, I was confused, and asked for clarification. 

After being assured that yes, I was in fact speaking with a representative of Citigroup, I proceeded to divulge personal details - including, but not limited to my name, address, and social security number ( or a portion thereof ). 

After divulging this information, I was informed that the telephone call to the XXXX number constituted an attempt to collect a debt, and that I was not, in fact, speaking with someone who had any connection to Citigroup. I was further told that XXXX XXXX XXXX XXXX is in no way affiliated with Citigroup, even though this directly contradicted the information provided immediately earlier by agents and/or employees of both Citigroup and XXXX XXXX XXXX XXXX. 

I believe that during the call to the XXXX number, an agent or employee of Citigroup did engage in unfair, deceptive, and abusive acts and practices, in violation of the Dodd-Frank Act. 

I also believe that their actions may have violated the Fair Debt Collection Practices Act, as follows:1. Violation of 15 U.S.C. 1692 ( e ), Paragraph 10 - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' 2. Violation of 15 U.S.C. 1692 ( e ), Paragraph 14 - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The Citigroup employee either knew or should have known that the XXXX number was not, in fact, another department within Citigroup, and certainly should not have represented that it was. I believe that this unfair and deceptive act may have been sanctioned by Citigroup, pursuant to a forward flow agreement with XXXX XXXX XXXX XXXX, who periodically purchase defaulted consumer credit accounts from Citigroup.
Consumer complaint received 2016-01-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (OH)

They called claiming I owe a debt for lab work. I have not seen the results and my doctor can not get a copy to verify this lab work was done. When I asked for a copy of the bill from the original creditor they stated they do not send any paper work except receipts stating paid in full. They now call several times a day but do not leave messages and when I answer they don ; t say anything. It may be an auto dial or they hang up.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I have disputed the amount via mail twice within the initial 30 days of being charged. The issuer however have not fully investigated the amount I am disputing and keep closing the dispute without telling me. 
I will not pay for charges made for services not received. I do not feel the credit card issuer is unbiased since it is the same company who charged the amount, they are not looking out for the best interest of the card holder me.
Consumer complaint received 2016-01-23
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (SC)

XXXX XXXX, account specialist, called once, asked to verify last XXXX of SSN. Admitted it was not mine and then said would research and get back. Then had his manager call -- still could not verify SSN. Yet looked up other matching cities and addresses to assert loan was mine and wanted me to admit it, repeatedly. I have never taken a loan from XXXX student loans, the creditor in question. He said he would put me in touch with XXXX student loans to confirm that I was not the borrower, put me on hold and then I hung up.
Consumer complaint received 2016-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VT)

I had a rental unit with XXXX for over 4 years, paid every month. My wife and I got it when we moved out of state with the plan being to come back for our stuff. 4 years later we realized we did n't really need the stuff anymore so we called XXXX XXXX and asked them what our options were to get rid of the storage. They told us the only way without us coming to get the stuff was to let them auction it, so we did. This was in XXXX XXXX, auction was in XXXX XXXX. The deal was they would auction it then send us a bill for XXXX, XXXX and then a couple fees minus whatever it had got at auction, estimated to be {$540.00}. In XXXX XXXX I receive a letter in the mail from a collection agency saying that I owe NOT ONLY the XXXX that the storage came out to be but also {$160.00} additionally for them to collect this fee from me. That is extortion, charging me extra money on top of my actual debt or else reporting it to my credit. I NEVER EVEN RECEIVED A BILL FROM XXXX! Never! And not only did I not receive a bill but also the letter from the collection agency came within a couple weeks of my unit 's auction! So immediately I contacted XXXX via their " contact us '' web page. I have been back and forth with XXXX trying to sort this out since then and finally now XXXX XXXX, a manager from XXXX XXXX said he can sort it out for me and get my bill to be XXXX dollars as it should be. So today I call XXXX XXXX from the collection agency as XXXX XXXX told me to and the agency will not put me in contact with her. They wont let me talk to explain the situation. They are extremely rude and threatening. They tried to demand my phone number and other information and of course they wont just let me pay the XXXX as I owe. Hopefully XXXX XXXX can at least sort out the payment for me, but either way a complaint needs to be filed on these guys.
Consumer complaint received 2016-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Global Credit & Collection Corporation (DE)

The company is called affinity global they were called global credit collections. They keep calling my landline asking for XXXX XXXX who no longer lives here. They got there information from a site that u have to pay money to get that persons phone number and other information. I have sent them a electronic written letter saying for them to cease and desist but they keep calling
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing reported my debt as being 180 days past due in XXXX XXXX. However I was discharged in a Chapter XXXX bankruptcy in XXXX XXXX. This is in violation of of the Bankruptcy code. I have been approved for a HARP Tier 2 loan modification that will be finalized in XXXX XXXX. However it does not reaffirm the loan nor can they report to the credit bureaus.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER [ XX/XX/XXXX ] I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts?

You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified. 


The following inquiries are not authorized : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (CO)

We bought a bed at XXXX in XXXX, XXXX We filled out an application for XXXX separate credit cards with Synchrony Bank . XXXX was approved at {$5500.00} and the other XXXX approved at {$2700.00} for the full purchase price of {$8200.00}. The transaction was all charged to the XXXX card approved for {$5500.00}. We have called the store 8x and customer service 8x to have to charges corrected to reflect on both cards. Synchrony bank will not fix the transaction. The store says they ca n't either. The transaction shows on the monthly statement as all being charged to XXXX credit card. It shows the card is being utitlized 141 % of the credit allowed. The transaction has destroyed out FICO XXXX points negatively. They will not correct the problem to put the charges on both credit cards.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Advanced Collection Bureau, Inc. (TX)

I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number. 

She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers.
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Payment in full was made to the XXXX Bank - XXXX sent payments to MCM - MCM since XXXX 2015 has not returned the overpayment of {$350.00} despite repeated calls and attempts on my behalf for them to do so.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (IL)

I placed an order on Walmart.com on XX/XX/2015 for XXXX coats for a total of {$69.00}. Neither item fit so I requested a return for both items. They supplied me with a return label on XX/XX/XXXX. I returned both items in the same package on XX/XX/XXXX. I received an acknowledgement that the return was received on XX/XX/2015 but I noticed they only refunded XXXX item. I called the next morning to follow up and was assured they would process the rest of the order shortly. I followed up on XX/XX/XXXX as the other item had not been processed yet. I was assured that I should wait as they are busy. I waited again, until today XXXX/XXXX/2015. I have called them 4 times, have been disconnected each time after waits of up to 455 minutes and can not receive any assistance. They need to audit their returns and I need to be refunded!!!!
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

After years of heavy usage and flawless credit with my XXXX XXXX credit card with XXXX, I was involuntarily transferred to Synchrony Bank. On XXXX Synchrony charged my account a {$25.00} " late fee '' even though it was n't until the next day XXXX that Synchrony emailed me instructions on how to register on their website to set up payment. So today I sent them payment in full -- minus the {$25.00} -- and closed the account. But how many other poor consumers paid the {$25.00} " late fee '' because they could n't afford to close the account, or because they did n't see it among their legitimate account activity? It 's dishonest, bad business, and should be regulated against during involuntary transitions from bank to bank. Please help me stop Synchrony from engaging in this practice. Please help me stop Synchrony from reporting this alleged " late '' payment on my credit report which is otherwise perfect. Thank you.
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC (CA)

A debt collector is attempting to collect an old debt, that is past the statute of limitations. This debt is no longer on my credit report and has been closed. The collector calling me is asking for personal information which I refuse to give. I called them back and asked for the name of the company and address, and they refused to give me that information. They have called me 4 times this week, twice from the phone number XXXX, and twice from a restricted number. I belive the message said they were from XXXX or XXXX, as they spoke very fast and unclear. The voice message said to contact XXXX tp verify information. I asked them to take my name off of their calling list and they said no, we do not have a calling list. I hung up as I could see the call was going no where and decided to report them instead.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

We refinanced our home through a mortgage broker. It was underwritten by a major institution ( XXXX XXXX ) but immediately sold to Fannie Mae and then to Seneca Mortgage Servicing, within a week. This place is a nightmare ; almost every online comment about them is maximally negative, but because they buy loans consumers have no choice about being stuck with them. 

1 ) They claim to have sent payment information in the mail but we do n't have it. They called my cell while I was at work, but were unwilling to send the information via email - they insisted I call them back. 

2 ) The biggest issue is that their contact number, XXXX XXXX XXXX, has a nonfunctional robot answering it. Regardless what one enters, it just restarts its instructions a couple of times and then hangs up. So I ca n't contact them to get the information I need to pay them.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am recently divorced. My ex-wife and I both purchased automobiles through XXXX XXXX XXXX on our own individual cognizence without involving the other party. XXXX of these debts show up on my credit report. She is responsible for her own debts in the settlement order. The load she made at XXXX is the responsibilty of XXXX XXXX alone. Please tell me how to get this removed from my credit report.
Consumer complaint received 2015-05-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Discovery Systems, LLC (ME)

This complaint is in regards to the XXXX XXXX, 2015 phone call the credit collection agency Account Discovery Systems ( ADS ), XXXX. XXXX XXXX, XXXX, XXXX XXXX by the name of XXXX ( XXXX ) XXXX made to an third party regarding my account they are collecting on. The original XXXX is XXXX, and original creditor account number being XXXX. 

I made an agreement with ADS XXXX XXXX to make payment of {$370.00} per month on this account. Since then, I have never been late or missed a payment. 

On XXXX XXXX XXXX from ADS placed a call to a third party in an attempt to get ahold of me to offer a settlement agreement. I received a text message from the person he called explaining XXXX from ( XXXX ) XXXX was looking for me. 

The voice mail message to the recipient identified my name. The number was viewed on caller ID by the recipient who went ahead and called the number to see who it was. The recipient was able to use caller ID to call the number ADS left on their caller ID identifying the call was from Account Discovery Systems and was an attempt to collect a debt under my name. Now that the recipient had my name, phone number and the reason for the call, they then proceeded to send me a text message informing me the debt collector Account Discovery Systems is looking for you. I called the number the recipient left for me and it identified ADS was placing the call and it was for the collection of a debt. 

After the text, I called the number the recipient text and asked for XXXX and inquired why he was calling a third party regarding my account. XXXX said that he called the number he had on file for my daughter and the reason for the call was because they could n't get ahold of me to offer a settlement on the account. 

My complaint regarding what I just described is Account Discovery Systems had no known right under the law to investigate my personal information in an attempt to contact me just to ask me for a settlement on a debt I am already paying as agreed on. Further, Account Discovery Systems has a valid address and phone number for me on file and could have made the offer to me directly. 

I request the Consumer Financial Bureau to investigate and provide me with any remedies available under the law regarding any potential violations of the law regarding ADS 's unnecessary call to the third party only to offer me a settlement agreement on an account that is being paid on time and as agreed, which in turn is harassing me.
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX Bank of America foced closed my account without notifying me. At the time the closed it I had XXXX direct deposit XXXX of XXXX and another of XXXX. I have called several times and was told mutilple different things about how I could receive my money now that they closed my account that they refuse to reopen. I was told at first that they would reopen the account so I could access my funds after not being able to sign in I called back and was informed that it was n't even possible to open a closed account and that my money would be send to me at their discretion. So I continued to call hoping to optain my XXXX dollars, when another representative told me to go to the local bank open a new account and they would transfer the money over. I get to the bank they say I am not eligible to get a new account so back to square XXXX. Basically they are holding my money no one know how I can get it or why they even accepted money in an account that they decided to close. Still waiting on a call from there enterprise customer care hoping they will help me but basically everyone on there staff has different information and approximately half of them are so rude it makes me sick to keep trying to contact them about this issue.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MT)

In XXXX I completed a deed in lieu with Ocwen Loan Servicing for my house in XXXX County at XXXX XXXX XXXX XXXX. I received a XXXX from Ocwen showing the release of lien effective XXXX/XXXX/XXXX. The credit bureaus all show the loan discharged from my credit report in XXXX. In XXXX XXXX I began receiving foreclosure notices from Ocwen and phone calls from their customer service department. I also spoke with a relationship specialist. None of them could tell me why after 9 months I started receiving foreclosure notices even though I do n't own the property. I did find out in XXXX of XXXX that the paperwork sent to Ocwen 's attorney was not filed with XXXX County because the lawyer is " no longer in business ''. Also, I found that the house was listed with a real estate agent from XXXX XXXX to XXXX XXXX by a realtor hired by Ocwen. I spoke with the realtor and she stated there was an interested buyer in the home but they could not get clear title on the house because Ocwen 's attorney failed to file the paperwork with XXXX County. I also received a letter dated XXXX/XXXX/XXXX stating my deed in lieu was completed XXXX/XXXX/XXXX. That is 4 years before starting the deed in lieu process.