davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: USA DISCOUNTERS LTD (AE)

I recently submitted a complaint on USA Discounters under case # XXXX. They were to refund me the amount that they garnished my wages. It has been two months and they have not refunded me the money that they garnished from my wages. The amount has totaled {$1200.00}. I am still waiting on them to refund me the money that they said they were along with what was garnished with it which is the total stated above.
Consumer complaint received 2015-04-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Asset Management, Inc. (UT)

Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (IN)

I have excellent credit and pay my bills on time. However, an email-delivered American Express bill escaped my notice. I paid the past-due bill online in full, which included a late fee, upon receipt of a bill sent via USPS. No further charges were placed on this card. Today I discovered I was charged an additional {$38.00} late fee in XXXX and another {$38.00} late fee in XXXX. I feel that American Express is using extreme tactics in charging late fees.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a Cash Rewards credit card from Bank of America since XX/XX/XXXX. They closed it without any reason in XX/XX/XXXX. I contacted them several time by phone and even went to their branch to know why they did that. 
They just sent me a letter stated that we are n't able to reopen your account. 
This credit card is my major and XXXX credit card. So, while they closed my account, the " age of credit history '' is very poor now. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks,
Consumer complaint received 2015-09-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

We have an FHA 1-Year Adjustable Rate mortgage with SunTrust Mortgage as a result of a refinance in XXXX. Beginning in or about XXXX XXXX, Suntrust did not properly apply our monthly mortgage payments. In addition, we ceased receiving our annual interest rate adjustment notification, and monthly mortgage statement. At that point, we had no idea of our monthly mortgage payment. We attempted several times to make monthly mortgage payments, based on our previously known amount, and they were returned. We notified Suntrust Mortgage repeatedly of the error, and attempted to resolve the issue to no use. Suntrust is pursuing a foreclosure on our home, scheduled for XXXX XXXX, XXXX, at the same time our loan modification is being processed. On XXXX XXXX, XXXX, we forwarded our loan modification package to their offices via USPS Priority Mail. The package was received on XXXX XXXX, XXXX. Shortly thereafter, Suntrust requested additional documentation which we provided. The additional documentation was sent via XXXX on XXXX/XXXX/XXXX, and received in their offices on XXXX/XXXX/XXXX. We made a follow-up call on XXXX/XXXX/XXXX to Suntrust to check the status. We were told that the documentation was not showing in the system, and we informed them of the delivery. The same documentation, including the XXXX proof of delivery on XXXX/XXXX/XXXX, was emailed directly to the representative ( XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. Subsequently, in addition to SunTrust Mortgage pursuing a foreclosure on our home at the same time, they continue to mysteriously misplace documents vital to our package. We have complied fully with their requests for additional documentation, but it always seems to get lost. The last occurrence happened today XXXX/XXXX/XXXX. Since the forwarding of the last requested document on XXXX/XXXX/XXXX, we received no communication from SunTrust as indicated. We made a follow-up call on today ( XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. He was not available, and we were transferred to another representative ( XXXX XXXX ). It was discovered that the last document was also not entered into their system. Copies of the previous emails to XXXX XXXX XXXX were forwarded to XXXX XXXX. She indicated that the XXXX XXXX, XXXX foreclosure sale was still scheduled, and the matter would have to be escalated. We were told the supervisor was not available, and she would call us back by tomorrow. We have complied with all of Suntrust 's requests in this matter. In our opinion, we also have the income to support remaining in our home. Yet, vital documents continue to be lost while Suntrust Mortgage continues with a foreclosure without any regard for documents forwarded, processing, and the overall review process.
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (VA)

My complaint is with US Bank. I have a checking account with them as part of an arrangement for disbursement of assets from an inherited Trust. I am trying to set up a way to transfer money from that account to my main bank account with the XXXX XXXX XXXX XXXX. After an extensive verification process to link an external account that took 3 days, I was finally able to go online attempt to transfer funds, starting with a test transfer of {$1000.00}. To my dismay, they charged me {$3.00} for the privilege. The funds did not show up today, so I called them and they told me it takes 3 days for a transfer to occur. So they want to charge me {$3.00} per transfer and it is not even a same day transaction?! I think this is an abusive rip-off. Can you please look into it, and let me know if I have any recourse? Thank you!
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MN)

We refinanced with XXXX XXXX Loans who immediately sold our loan to LoanCare. I received a letter from XXXX XXXX Loans with information on where to send my first payment which was due XXXX XXXX, 2015. I had my bank electronically send the payment, but XXXX XXXX Loans provided an incorrect loan # which I was not aware of until I received a call from Loan Care that they had not received my payment. I called Loan Care and they told me to have my bank send proof of the electronic payment so they could find the funds and transfer them to my account. I did that, and thought it was taken care of on XXXX XXXX, 2015. I received another call from Loan Care about 2 weeks later saying they had not received payment. The customer service person took all my information again and said she would take care of it. I received another call from Loan Care on XXXX XXXX saying they still had not received my payment for XXXX XXXX and I was delinquent. I called my bank and we got on a XXXX way call with Loan Care. My bank sent Loan Care the information again and I was told it was taken care of and I would not be receiving any more calls from Loan Care, it was now in their hands because they knew they had the money, they just had to find it. I was also told I would not receive a late fee because they had the money. I just got another call today saying they have not received payment and I have a late fee of about {$45.00} due. I 'm now on the phone again with them and on hold. As I sit here and wait, I started reading reviews on XXXX. Every single review is the same as mine. This is ridiculous!! I have spent hours on the phone with them, and they have my money!!! This company needs to be looked into. It seems to be common practice for them. How can they receive money and not investigate where it goes when it has an incorrect loan # on it. There is only XXXX address associated with the account. I just got off the phone and they once again said they have escalated the issue to a supervisor and they will get back to me in 3 days. I 've been told this before and nothing has happened. I 'm hoping that by sending this complaint my issue will soon be resolved.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Dovenmuehle Mortgage, Inc. (NE)

there is currently a lien on my property at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I purchased the property XX/XX/1994. several refi 's etclater some title company finds that a lien is on file=it show thatdovenmuhle morgt co did not due the proper paper work and aftermany attempts talking to them and sending them the same infothree times=they say they can find no records of a loan and keepasking me for the loan number. phn # is XXXX and I havebeen dealing with a XXXX=XXXX=and an XXXX with no results=
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX REC $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
Consumer complaint received 2015-09-25
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Been waiting for Citizens bank of XXXX, RI to release a XXXX mortgage - since XXXX 2015. Trying to get a line of credit. This is a old mortgage and I have refinance since this loan. Do n't understand how long is a reasonable time to wait.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX Experian was reporting a bankruptcy, that they have removed. Now here is where problem the accounts that were so called in the phantom bankruptcy that has been removed. They reverted back to showing on my report that it was written off. Now that is incorrect and need to be removed under the fair credit reporting act. I have sent them registered letter on numerous occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Each time I ask them to investigate that its reporting correctly and the refuse. Reverting back to the incorrect information on the report. I will list the following accounts that are reporting incorrectly on my report. XXXX XXXX XXXX was reporting as in bankruptcy no bankruptcy listed. Now reporting that account was charged off that is also incorrect. XXXX XXXX same explanation as above..XXXX card account # XXXX same explanation as above. XXXX XXXX same explanation as above. XXXX accout # XXXX I have never had a loan with XXXX # XXXX this is being reported incorrectly. XXXX # XXXX this account is also being reported in correctly.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have been going back and forth with Experian the past year trying to get my report fixed and reading correctly. I am finally satisfied and when I spoke to a loan officer found they had a notation that I " disputed '' several accounts. I wrote them AGAIN and asked them to fix that, I clearly wrote I do not dispute the accounts. They responded by sending me a letter saying what I sent them was suspicious. What are they talking about? Why is every time I deal with these people like pulling teeth??
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

MEDICAL COLLECTION- {$470.00} WAS PAID IN CASH XX/XX/XXXX. TRANSUNION SAID THEY WOULD REMOVE VIA A PHONE CONVERSAGTION XX/XX/XXXX AND IT HAS YET TO BE REMOVED.
Consumer complaint received 2015-09-25
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: GENERAL BUSINESS RECOVERIES, INC. (AZ)

In XXXX of 2014 I purchased a used vehicle from XXXX XXXX here in XXXX and was promised verbally that they would take care of the issues I brought to their attention before I signed for the vehicle, they never took care of the items which totaled in excess of XXXX. I stopped payment on my check in lieu of the repairs not being done and discussed this with the sales manager. I havent heard anything more of this until know and I asked for validation and informed them I disputed this and never was contacted again until now where the collection agency is making threats against me ( i.e., lawsuit, additional costs ) This is blatant misrepresentation under the FDCPA and needs to be stopped.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through TRANS UNION CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted TRANSUNION CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but TRANSUNION said all the information they have on file concerning the dept was correct even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FRAUD FROM THE ORIGINAL CREDITOR. ( XXXX XXXX APARTMENT ). 
I rented an apartment from the Original creditor XXXX APARTMENT, but a month after I rented the apartment the roof collapse and I could not use the apartment anymoreafter so many attempt I made contacting the XXXX APARTMENT to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But XXXX month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX APARTMENT who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX APARTMENT BE FOR IMOVED OUT FROM THE APARTMENTTHE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXXTO TAKE SUCH FALSE STATEMENT OFF MY CREDIT FILE
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (VA)

On XXXX XXXX, 2015 I submitted a {$300.00} payment to Synchrony Bank to bring my balance on a line of credit that they hold for Amazon.Com. Following the payments posting, this bank decreased my original credit line from {$700.00} to {$390.00} which was {$0.00} more than the remaining balance. When I called to find why my account was showing a {$0.00} amount of credit, I was informed that the bank had reduced my credit line not based on my payment history with them but because they had reviewed my credit history and it was based on that. I have had this account open for almost two years and have never been behind on my payments with them. I did not request a increase of the credit line therefore they had no right to run my credit for any reason. I feel this is a bank charging high rates on consumers who feel that they can just do whatever they like doing and that there is no one who can do anything about it. This reduction in credit has a adverse effective on my overall credit score at a time when my wife and I are trying to purchase our first home. This is not right!
Consumer complaint received 2015-09-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

We have filed several complaints about Ocwen Financial Services for force placed insurance for over 3 years. We went ahead and paid the amount for the force placed insurance when they started sending us late payments and foreclosure notices while fighting the charges. They finally reimbursed us the amount we paid for the force placed insurance and removed the escrow balance. However, they still have not restored our mortgage payment to the scheduled amount. They are charging us extra fees in the amount of {$13.00} for late fees/other charges when we have not been late ( see attached ). 
Additionally, they reported to the credit bureau that we were late XX/XX/XXXX, XXXX and XX/XX/XXXX when they assured us that while the account is in dispute, they will not be assessing any late fees or report any late payments to the credit bureau. We sent them the attached email to request that they remove the late payments on our records but they have not replied. 
We would like Ocwen to restore our mortgage to its scheduled amount and remove any other fees that do not apply. Most importantly, we would like them to remove the late payments that they reported to the credit bureau as the account was in dispute during the time they reported these late payments.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

CFPB Case XXXX Ocwen 's XX/XX/XXXX response does not respond to the facts and is a continued falsification of the facts. First, Ocwen 's claim of having received our mortgage is FALSE and could not have happened as they claim based on XXXX documentation and facts. XXXX transferred our mortgage to Homeward/Ocwen in XXXX KY and not Ocwen Loan Servicing LLC in FL. Second, we never made any claim to being untimely as the Ocwen letter XX/XX/XXXX claims which is an additional new false statement. Even if Ocwen Loan Servicing LLC in FL and Homeward/Ocwen KY are the same company or affiliates a new RESPA Notice would be required to change the mortgage payment name and address from XXXX different names and XXXX different addresses XXXX in KY the other in FL. I believe the CFPB should compel Ocwen FL to prove they obtained servicing from XXXX in XX/XX/XXXX or leave us alone. Where is the RESPA Notice changing XXXX in TN to Ocwen Loan Servicing LLC in FL? Where are the Transferor and Transferee RESPA Notices showing the same information? The XXXX XX/XX/XXXX Notice and the Ocwen XX/XX/XXXX Notice has entirely different information which means it is invalid and false. I could n't find Homeward/Ocwen in XXXX KY anywhere in the Ocwen correspondence
Consumer complaint received 2015-09-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Offices of Barry J. Gammons, PLLC (TN)

I have been making regular payments to the Law office that now owns the debt, after an acceptable payment arrangement was agreed to in court. The last XXXX payments I made to them, I asked for a receipt of payment, along with a written statement of debt, and a remaining balance. After 6 months of attempting to receive that information from them, I sent a certified letter to the company, again asking for the information. The signed and received the letter, but never supplied the information I asked for. Along with the certified letter, I stated that according to my records, the debt should be completed, and I would not be sending any more payments if I did not hear from them with valid proof otherwise. Several months pass, and with no warning what-so-ever, I started getting garnishments from my pay-check at work. I am now STILL attempting to contact them over the phone, and have left numerous voicemail 's with no response. XXXX time, a young lady did answer, but after I said " XXXX '', to myself ( and under my breath ), she said she was terminating the call due to abusive language. I did n't even get an opportunity to discuss anything with her. I should have the right to discuss my " supposed '' debt with the agency that is now forcefully taking my money!
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (MO)

I learned of an alleged debt of {$3000.00}, when i was contacted by my Human Resources ( HR ) department on XX/XX/XXXX, stating that a request had been received to garnish my wages. A company by the name of Pioneer Credit Recovery ( PCR ) has apparently been retained to collect on a debt alleged from the department of defense from XX/XX/XXXX. This information was given to me verbally over the phone by an agent named XXXX XXXX of PCR, on XX/XX/XXXX. I advised her that I 've never received any requests, statements or notices for payment from this agency nor from PCR prior to speaking with my H.R. Department. XXXX XXXX told me that she would fax all of the applicable documents pertaining to the debt to me. I have not received any documents nor demand for payment letters to date. 

I 'm filing this complaint because PCR, has violated the fair debt collection act ( FDCPA ) by failing to send me a debt validation notice prior to proceeding with legal action. They have failed to properly validate my debt after written and oral requests for the applicable validation documentation. They have not allowed me due process in defending my consumer rights and these actions on the part of PCR are all consistent with violations to the FDCPA. 

I demand that the efforts to garnish my wages be, extinguished until I 've been properly notified of the alleged obligations to a debt of more than {$3000.00}, which is completely unfounded. 

These accusations are false and i intend to prove, that i do not owe money to the dept of defense.