davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC closed checking account without any reason and refused to issue the bonus for account opening. From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ). 
Whole story : In XXXX, XXXX I opened HSBC XXXX account.It was opened with the following offer " Open an HSBC XXXX relationship with a balance of {$10000.00} or more in new funds and receive a {$350.00} bonus ''. I funded the account with {$10000.00}, later I set up a direct deposit to it. Everything was fine. Sometime in XXXX, XXXX I received voicemails from HSBC and a mail which indicated that HSBC need some documents from me and that account could be closed if I do not provide the information. First, I was surprised why HSBC opened and let me fund account if HSBC does n't have required information. After calling HSBC I had an email from HSBC with a documents request. It was on XXXX XXXX, XXXX. I replied the same day and requested documents were attached. I have never got any kind of confirmation or reply. I sent multiple emails asking for confirmation to that person and to XXXX '. I have never got a response.Sometime later the account was closed and I received a check. I called Customer Service to figure out what is going on. They opened a complaint for me. ). I called HSBC Customer Service multiple times but they said that they are unable to resolve this issue and that I do need to contact executive office. I contacted HSBC executive office and you were unable to explain why no one acknowledged receipt of requested information. You also mentioned that " The Bank also has the right to close your account at any time for any reason or no reason. '' On XXXX/XXXX/XXXX I 've contacted HSBC executive office asking for the above mentioned {$350.00} bonus. As per HSBC response " To clarify, the checking account application was never approved. '' My concern is how HSBC allowed me to fund HSBC Checking account if it was never approved. The transactions to HSBC Checking account ( all accepted ) : XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Initial deposit ) From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).
Consumer complaint received 2016-06-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OK)

Navient is counting my income as my husband 's income, and he is a XXXX. Navient says we have to file taxes separately in order for my income to not count as his, but he has NO income and he is my dependent. How does that work? His payment was {$110.00} a month and now is {$330.00}. Both Navient and XXXX moved us from an IBR to ICR this year, and I can not figure out why. We spend {$XXXX} a month on our son 's XXXX, plus whatever XXXX bills I may have. With what Navient is charging for my husband 's payment plus my payment, we are paying over {$1000.00} a month on student loan payments. I bring home less than {$XXXX}. We can not pay this amount for my unemployed husband. He has no income and it is a double charge for my income to make him pay based on my income. Navient has been threatening to charge him even more. I can not figure out how to get help, and Navient is being incredibly awful to my husband. With the XXXX, we do NOT need additional XXXX and we are not going to be able to survive with the payment they have assigned him based on my income. We had to complain about Navient before ( last year? ) for being even worse and telling my husband to falsify a government document. I do n't know how to get Navient to reduce my husband 's payment. How can it be right to charge me twice on an ICR ( which is supposed to be an IBR plan )? He has XXXX income.
Consumer complaint received 2016-09-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I make reference to my complaint number XXXX and several others before that, under which Ocwen keeps sending previous responses stating that they acknowledge that my loan # XXXX has been satisfied and that they have 'filed the corresponding documentation with the county clerk 's office ' ; however, Ocwen does n't include such filed documentation nor indicate with what county clerk 's office did they do such filing. 
I have recently had a title search done on property XXXX XXXX XXXX - XXXX - XXXX XXXX, NY XXXX and no recording was found. 
Ocwen keeps being oblivious to my request and keeps reminding me that the loan has being paid off, forgetting that I was the one paying the loan for 28 years and therefore, I am completely aware that the loan was paid off on XX/XX/XXXX. 
Ocwen does n't need to tell me nor remind me that the loan was paid off on XX/XX/XXXX but they rather need to send me the proof that I 've been asking for : i.e. Document they indicate have submitted to the county clerk 's reflecting the pay off of the loan. 
Ocwen 's letter dated XX/XX/XXXX, asked that I send a letter directly to XXXX XXXX via mail. They only provide a PO box address. They also provide a phone number ; however, no one answers. One has to wait at least 48-72 hours for someone to answer a phone call (? ). 
Something seriously wrong is going on with this institution : They do n't answer calls and when they answer any correspondence, they answer anything but the requested issue. 
I am sending a letter directly to XXXX XXXX with the hope that this time my request is understood and thus Ocwen provide me with the proper response and that Ocwen finally comply with its obligation. Should Ocwen still need further clarification to my request, please feel free to call me at XXXX.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied for a mortgage refinance loan from PenFed credit union in XXXX 2016 via the internet and gave them the requested information they sought, which included income from my wife and myself, past credit experience etc. About four days later I received an E-mail from their loan broker in XXXX, Oregon stating that he had my application from his home office, and that it appeared I would not qualify for the loan because of my income level, even though it all had not been verified. I therefore ask the loan officer to cancel my request, which he agree to do. In the loan application they requested a bank card to cover expenses in processing the loan. I believed they have incurred no expenses but they have charged my credit card with {$84.00}. Why? 
I called the PenFed office and asked that they remove the charge of {$84.00} since they have incurred no expense except for the on line application. They refused my request. I argued that the only information they had for the application was the info I provided for them on my online application. 
I would like to have the PenFed charge removed from my credit card or the amount of their charge be returned to me.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc. (CO)

Left voicemail saying they were about to take me to court over a debt from " XXXX '' that is more than 20 years old, plus it would have been discharged in my 2012 bankruptcy filing. When I stated I was aware that they were scammers, representative used abusive language and called me names, then hung up on me.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (AL)

A boyfriend of mine left me. I am a XXXX and he took everything that he owned while I was on the road. Now I have a debt collector and Ashley Furniture calling, harassing, and threatening me on a continuous basis as if I purchased this furniture from them. I have talked to them numerous times and advised them of this but they continue to call and harass me. I want the calls to stop immediately. I do not have a debt with them and have never signed a contract with them. Their issue is not with me and I find it ridiculous that I am being held responsible for this. I also find it asinine that they can contact me because of word of mouth from him. They have threatened to lock me up twice. How can a company get away get away with such blatant disregard for proper placement of responsibility. They have told me that they are going to advise him to have me locked up for his debt.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

I paid off a mortgage with XXXX in XXXX. Now when trying to clear the title on this property during it 's sale I am told there is default on the property. My county recorders office tells me the property shows it was paid off but the wrong instrument number was attached to this. 
XXXX bought all XXXX in XXXX, however since mine was paid off in XXXX it was not transferred to XXXX. The mortgage is now in the hands of BNY Mellon. For weeks XXXX XXXX XXXX XXXX has been trying to clear this title. The contact in BNY Mellon is XXXX XXXX XXXX. I have been contacting XXXX XXXX XXXX at BNY Mellon through email and numerous voicemail. I even went to XXXX with documentation of the payoff for this mortgage. I have received no response.
Consumer complaint received 2016-12-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC (WA)

These people called my cell phone threatening to make me lose my job, sue me, and ruin my life. They never identified themselves beyond NCA. I called back repeatedly to find out who or what they wanted. I was ridiculed, told they would ruin my life and my children 's lives, and then threatened with a harassment suit.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (CA)

I ordered a PC from XXXX. The PC was severely damaged. It also came with a window on the side to see the inside of the PC. This had a gouge across the window so that was ruined too. 
PCs are considered to be fragile so I did not want to use it. I asked that it be sent back. They sent me an RMA document to ship the PC back. 
I shipped it back and my balance was set back to {$0.00}. Because I had the PC for more than 1 month XXXX wanted their monthly payment, which I had never missed in the year I was with them. 
I did not see why I would have to pay monthly payments for a damaged and returned item. I tried discussing this with a manager but she was very rude and unhelpful. This was before they received the PC. She threatened to send it back even though I had already received the RMA approval from XXXX. 

They eventually sent me to collections and their collection cronies have hit my credit multiple times with similar but unique company names. Unifund CCR LLC and Unifund LLC. I demand that both of these be removed from my credit and the account deleted as I do not owe XXXX money. 

I am considering legal action against them ( both companies ) and XXXX regarding this issue as this is causing me to be denied credit for a home. I was high enough to purchase a home and now I am in the XXXX because of these negative hits. I am already consulting with attorneys. If these are not removed I will need to take legal action.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

The XXXX loans reporting on the XXXX credit bureaus are NOT mine. I have been disputing them even when they were reporting positive. I officially started the dispute process in XX/XX/2013 and have been unable to get them removed nor has anyone sent me proof they belong to me containing my signature. They are refusing to remove and/or show me how they determined they belong to me. The only thing that has happened is a statement on my report saying I dispute the account. It has been at least four years I have been adamant that these loans do n't belong to me. As I stated I was even disputing them when they were positive now they are charged off however they are not my accounts. Also on the credit report the loan is reported by the same loan number but different amounts.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SD)

Spoke to a Equifax CSR on XX/XX/XXXX was told that a paid state tax lien and a paid judgement were eligible to be deleted and that it would take 48-72 hours for my report to be updated. This was not a dispute just a call to see when they might be removed. A week later they are still on my report. I called today XX/XX/XXXX and they claimed that they did n't have record of the call. I asked to speak to the supervisors boss. I waited about an hour for her to come on line explained to her what happened and asked her to review the taped conversation. She said they will be will not give me any feed back. I asked for a call back and I was told that I would not receive one. I attempted to email senior executive and email was returned. I would like information removed, I was told it would be removed, there are no laws that state it must stay on my report Thank you!!
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Collection Service Inc. (CO)

I had a lease on a property with a lady names XXXX XXXX. I had to break the lease on the Rental shop which I had signed and agreed to pay her. I did not however have a contract on the home. XXXX XXXX forged my signature on the contract for the house to make it appear as though I owed more then I did. It has since gone to a collection company and they say that I owe XXXX which I do not owe.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

After opening a credit card with Citibank, I began receiving marketing materials via mail for checking and savings accounts. One of these marketing letters stated that I could receive XXXX XXXX XXXX miles for opening a checking account, if I fulfilled a specific criteria relating to purchases and bill payments. I opened a CitiGold checking account under one of the promotions. I researched this account in full online, and one concern was that Citi had a bad track record of honoring the promotion offers that they were using to recruit customers. After opening the account, I called to speak with Customer Service to ensure that they the account does have the promotion on there and that I am good to go. They confirmed this. Fast forward 4 months. I have completed all of the criteria for meeting the promotion bonus, yet I did n't receive the bonus miles in my account. After speaking with Citi, they claimed that the account was never opened under a promotion. I filed a complaint, to which they have responded twice with the same copy & pasted letter. Despite my attempts to direct them to listen to the call where their employee confirmed that I did in fact have this promotion on my account, they refuse to honor the promotion bonus. I feel tricked into switching my checking account to them under the promise of a bonus, and now they are refusing to honor this.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Someone attempted to gain access to my accounts held at USAA bank via email and telephone. The individual was successful via email, but unsuccessful via telephone which prompted the bank to " freeze '' the account. Freezing the account prevented a regularly recurring disbursal from occurring. As a result, the creditor who would have received that disbursal filed the ultimately late payment against my credit score. 

The creditor, upon contact, indicated it would remove the report if it was due to identity theft. I contacted USAA asking for written proof of the incident that I could send to the creditor, but the bank has been non-compliant.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SUNRISE CREDIT SERVICES, INC (GA)

XXXX XXXX XXXX phone collection agency - Sunrise Credit Services. The collection agency has taken over the account and calls and threatens my XXXX XXXX XXXX mother with arrest, jail time, and threatening to sue her. She has XXXX XXXX XXXX and does n't remember much. I have power of attorney over her, and this bill went into collections recently, but I have begun paying on the bill prior to Sunrise Credit Services calling. Apparently they are n't getting as much money as they want or as fast as they like. However, threatening to take someone with XXXX XXXX XXXX to jail over a debt? It takes hours and hours to settle her down after XXXX of these phone calls.
Consumer complaint received 2016-09-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XX/XX/XXXX I voluntarily returned my car to my creditor. I was sent a notice from the redemption department on XXXX XXXX to see if we could work out terms for me to get my car back, we could not come to terms on this matter. I never received any information on when or where my car would be sold or that it would be sold. Then on XXXX XXXX I received a letter of Disposition of Repossessed Vehicle. The letter stated that the car had been sold and that there was a deficiency of XXXX. In there calculations the started with a balance owing of {$9200.00}, and that they sold the car for {$2600.00}, leaving my obligation at {$6500.00}. My dispute is this, on XXXX XXXX I also received a letter from the company that I bought the car from stating that my balance owing was {$5500.00}, and by my calculations when I turned my car in I was at roughly the same amount. If I only owed {$5500.00} on my car if I were to pay it off directly then how can I possible owe {$9200.00} when I turned it in. There seems to be something legally wrong with the way they are calculating amount owed. Does interest on the loan not stop the day I return the car or the day they sell it. How can they have me owing almost {$5000.00} more than the payoff.
Consumer complaint received 2016-06-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (SC)

I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Prince Parker & Associates (NJ)

Please note that none of the above selections match this complaint. 

When I dropped XXXX ( no contract ) for XXXX on XXXX XXXX, 2016, XXXX XXXX XXXX XXXX billed my XXXX XXXX card for a full month of service, through XXXX XXXX, 2016, during which time I only received 5 days of service. I complained to XXXX XXXX XXXX XXXX and they refused to listen to me. I disputed the charge with XXXX XXXX XXXX XXXX XXXX. XXXX contacted XXXX XXXX XXXX but XXXX XXXX XXXX ignored the request to validate their charge and XXXX subsequently credited me back the entire month payment, {$94.00}. 

I called XXXX XXXX XXXX and asked for my XXXX most recent bills, which they sent, with a new payment due date of XXXX XXXX, 2016. On XXXX XXXX I received the first of several debt collection phone calls. Also on XXXX XXXX, I sent XXXX XXXX XXXX a check for {$15.00}, the pro-rated amount for the 5 days of service I received during XXXX 2016. 

I did not receive a letter from the debt collector until XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ). This letter was late ( more than 30 days from the first call, from Prince-Parker Associates, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ) and did not contain the required statements regarding notification that I have 30 days to dispute the validity of the debt or it will be considered valid and that I have 30 days to notify the debt collector, in writing, that I dispute the charges. I understand that all of these omissions are unlawful and are subject to a fine of {$1000.00}. 

I request the debt collector be fined and notified according to the law that they must cease and desist their collection activities. Their letter follows : " Date : XXXX XXXX, 2016 XXXX Total Due : {$79.00} XXXX Creditor XXXX XXXX Hours : M-Th XXXX XXXX Client Account No : XXXX Account No : XXXX Friday XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Name and address redacted The above noted account is seriously past due. 

Please submit payment immediately. Send your check or money order to the address above or if you prefer to use a major credit card, fill out and return the top of this letter, visit the below website or call our office for details. 

This letter is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
Sincerely, COLLECTIONS DEPT. 
PRINCE-PARKER ~ASSOCIATES, INC. 

PAY ONLINE AT PayPrinceParker.com Account No : XXXX PIN : XXXX NOTICE : SEE REVERSE SIDE FOR IMPORTANT INFORMATION XXXX XXXX XXXX XXXX, NC XXXX The reverse side of this letter only provides their hours of operation. 

On XXXX XXXX, 2016 I sent Prince-Parker a certified mail letter notifying them that the debt is invalid, XXXX XXXX XXXX was paid in full for services provided, and disputing the debt.
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I was called by XXXX XXXX XXXX minutes ago saying someone tried to open a Credit Card using my Name/Social/DOB. They said they will remove the inquiry from my credit report. But I see on my Credit report that I have XXXX more inquiries in the last few days that are also Fraudulent. I put a Fraud Alert on my Credit but need these XXXX inquiries removed from my Credit Report.