davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CO)

I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe HSN money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company XXXX XXXX XXXX anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called Transunion XX/XX/2017 at XXXX and spoke with XXXX XXXX # XXXX concerning a dispute I sent to Transunion concerning a dispute in regards to a Tax Lien on my report. I requested that Transunion verify the debt and provide me with the information regarding that debt as I am unaware of where it came from or why. XXXX advised me that Transunion does not verify debt and that it will remain on my credit report for the next 7 years. She advised me that there was no investigation completed to determine if the debt was indeed a valid debt and they would not be investigating the tax lien debt that is in question is indeed valid.
Consumer complaint received 2016-06-15
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Today, XXXX/XXXX/16, I tried to send a moneygram online, as I have done several times before. I was told that my transaction was " under review '' and I had to confirm the transaction. Then I was told that the receiver also had to call to confirm the transaction. None of this was mentioned in the transaction receipt I received by email. I had to speak to XXXX different persons at MoneyGram and they were not sympathetic at all. The receiver has still not received the money.
Consumer complaint received 2016-09-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XXXX of 2016 my girlfriend accepted a job. Little to our knowledge it was a job scam. The job provided contracts, websites, accreditation, and business registration number. She was told her job was an XXXX. She was told a client was sending money to our account. She was told to open a XXXX XXXX XXXX account. She was told after thirty days they would put her on the company account but until then she had to use her own. The client wired XXXX into our account. The bank approved it and allowed her to move the money. Domestic wire transfers are reviewed and posted the same day. It took a week for them to decide to reject the wire transfer. They froze the account with NO NOTICE. They would n't tell me anything but that my account was under review and to call in three business days. I could n't access my money. I am in the XXXX in three months. I was treated awful by the bank they did n't work with me at all. They accused me of fraud. They should have froze the account the day the wire transfer went in and investigated it then. They should have flagged it. My girlfriend was scammed and we have to pay for it? What kind of protection is that? The fraud department at USAA does n't even have contact information. They said we could n't talk to anyone about the investigation. It was n't until the bank froze the account we found out the job was a scam. We wish we would have known the day the transfer happened. This job spent three weeks convincing and " training '' my girlfriend. She had no idea it was a scam and she even XXXX and asked for verifications. The bank let us down by not protecting us. We make average money the bank has never seen huge amounts hit out account they should have called and asked about it. They should have investigated it. Within a week of freezing the account all they said was the name was spelled wrong. They were accusing US of first party fraud? And they were exercising their right to do business with us ... not to mention informing us the bank took a " hit '' by approving the funds they did n't review so we had to pay it back.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OK)

I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page XXXX statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
Consumer complaint received 2016-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (IL)

I needed to consolidate my student loans quickly and I received an email from Equitable Acceptance Corporation. They told me they would be able to help me consolidate the loans, offer a lower rate, forgive the loans after 25 years and offer affordable monthly payments. For this service, they would charge approximately {$1200.00} at about 27.99 % interest - compound interest. 
I was nervous about my huge payments coming due and felt using this service would help give me the payments I needed - they offered so many great benefits. At this time, I did n't realize these were all benefits available to me through XXXX XXXX ; so, I signed all of the paperwork and submitted all requested documentation. 
About a year later, XXXX XXXX XXXX requested new income documents to recalculate my new monthly payments and I needed to complete the loan application again. I worked with XXXX and obtained a reasonable payment and also learned that the loan forgiveness was always available to me - it was nothing special that Equitable Acceptance was offering. 
About 2 months later, I received an email from Equitable telling me it was time to review my income documents - after XXXX contacted me and the recalculation was completed by me. I contacted Equitable and told them I already completed the process then began to wonder why I needed their " services ''. 
The sales person tried explaining the value of their services, but the more he tried selling, the more I realized they were just a middle man there to collect a lot of money for no good reason. The bottom line is, they offer no real benefit to consumers. I had to take the same steps with XXXX that I did with Equitable so what exactly did they offer? And what am I paying for? 
My complaint here is, how can it be legal to charge consumers for a service with absolutely no benefit? 
From my perspective, they are just 21st-century snake oil salesmen. 
I 'm not sure if you can help at all CFPB, but this is money I ca n't afford to simply see wasted. I believe, Equitable should return every penny and should be shut down for shady practices. However, anything you can do to help would be great. 

Thank you
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

In XX/XX/XXXX the national credit reporting bureaus ( XXXX, XXXX and XXXX ) respectfully agreed to ament the process in which all medical debt collections are to be reported. There was no past collection experience grandfathered protected by these adjustments that were administered by the Consumer Financial Protection Bureau, and these changes were to be effective immediately in XX/XX/XXXX. Accordingly, I demand my rights under this mandate to be applied on a medical debt that was never given the opportunity for adjustment through insurance, or to me mitigated directly with the hospital where services were performed. There should be a deletion of these collections, a new request for payment sent to me, and if not rectified within thirty ( 30 ) days, then a six ( 6 ) month or 180-day timeline goes into effect before the collection can be reported. The hospital in question could release the debt through options it has with any trust or endowment it controls, or XXXX the write off to me at the referenced address I leave with this complaint. In any event, I am entitled to relief from collections by an outside source ( s ) until I am submitted a new statement from the hospital in question, and the abusive tactics of using XXXX separate collection agencies for the same account is not acceptable. This only means that my information such as my social security number is being floated through a debt pool, leaving me exposed to identity theft and a number of other problems. The collection must be deleted across the board on every credit bureau as mandated by the Consumer Financial Protection Bureau, and I must be protected with both my personal information as well as my rights administered by a federal agency procured under Dodd Frank XX/XX/XXXX.
Consumer complaint received 2016-09-11
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: LTD Financial Services, L.P. (OH)

Submitting this complaint on behalf of my father who is presently residing in a XXXX home..I 've sent a cease and desist later to LTD financial services pertaining to a debt my father owes ... I 've also explained to them that my father in no way shape or form can pay any debt do to his present condition and to please quit sending collections letter pertaining to this ... today ... XXXX/XXXX/2016 ... received another letter claiming to collect on this debt.. he is on a XXXX home due to suffering a XXXX several months ago and has no funds except receiving ssi ...
Consumer complaint received 2016-04-21
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Chrysalis Holdings LLC (MI)

I applied for a VA Interest Rate Reduction Refinance Program mortgage loan through NEW DAY Financial LLC Prior to closing the loan. I asked my loan officer about a two-tier Va Loan due to reasons that I had just found out about. The loan officer did not respond in a timely manner and I needed to talk to someone that had knowledge of this process. I went to another company and they explained everything to me and got me Preapproved for my move to Florida, I closed XXXX XXXX, XXXX with New Day Financial. For MY XXXX Loan and Later found out from my XXXX XXXX XXXX that I had signed a Occupancy Statement with New Day Financial stating that I will Occupy the property as my principal residence within 60 Days as of the date of closing in compliance with the terms of the Deed of Trust Mortgage/ Security Instrument relating to the subject Property, and I would continue to occupy the property as my principal residence for at least one year after the date of occupancy. Unless Lend otherwise agrees in writing or extenuating circumstances exist which are beyond my control. I have been the owner and primary residence since XXXX XXXX, XXXX, I called my loan officer at New Day Financial and explained to him that for medical reasons I needed to move to a warmer climate and I had found a home in Florida in which I can spend my winter months and I needed a release of occupancy from New Day Financial, because under the VA two-tier the home in Florida would become my principle residence and my home here would become a second home. The loan officer told me that do not or never have issued a letter of XXXX XXXX and they would not do it. Under VA XXXX rules the VA explained me that I had met my Occupancy Requirement under VA XXXX and Regulations and so I was now confused. If they never do a XXXX XXXX. How can they have me sign a XXXX XXXX that says otherwise. I do not have any Prepayment Penalties, so If I wanted to sell the home and pay off the Mortgage it was ok. It Just do not add up. the XXXX XXXX does not understand what they are talking about. The new Loan Company that is Funding my House is asking for The Occupancy Release and I am totally confused. I have a preapproval Letter from my New Mortgage Company, I found a nice home had my inspection, and XXXX, flew to Florida, rented a Car. Inspected the home, Have a Purchase agreement everything is set except for this XXXX XXXX. Can Someone Help Me Please. XXXX
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

No logical/reasonable reply from Ditech Financial in the last more than 20 weeks has forced me to approach you to get my grievance heard. The detail as follows - My mortgage loan was approved with XXXX XXXX and the first installment started from XXXX/XXXX/XXXX. Everything was going on smoothly till XXXX transferred my account to Ditech Financial in XX/XX/XXXX. In the letter regarding this transfer it was clearly mentioned that there will be no change in my Terms and Conditions with the change of Financial Institution. 

But, from the bill dated XXXX/XXXX/XXXX of Ditech, the payable Principal and Interest do not match. The same was reported to Ditech representative XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX @ XXXX. She told me that the difference is there and she is referring my case to her manager and I will get a reply within 7 days. 

After getting no reply from Ditech, I filed my complaint online ( which is now removed by the Ditech from the website ). On XXXX/XXXX/XXXX, Ditech replied with some copies of reports explaining that principal and interest portion of the monthly payment is correct. In one of the report, they mentioned deduction under 'Prin Only ENC '. The same was the difference in the payable Principal and Interest amount every month. This amount was never deducted by XXXX ( previous loan provider ). I have prepared an excel sheet clearly showing the same. The same is attached for your perusal. 

Ditech breached the contract by charging this illegal amount every month. This illegal per month amount of around {$1.00} will become {$150.00} by the time I clear my loan. 

After that, every day I received one letter from Ditech informing me that 'Our research has not concluded. The purpose of this letter is to notify you of our ongoing investigation in an effort to provide you with a resolution '. 

On XXXX/XXXX/XXXX, XXXX XXXX, Ditech told me that she is not able to view those documents, so, I should call after 72 hours. 

On XXXX/XXXX/XXXX XXXX XXXX ( XXXX, FL ), Ditech told me that the dispute was closed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I filed my complaint again thru fax and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

After getting no reply from Ditech, I sent a reminder message thru fax on XXXX/XXXX/XXXX and received an acknowledgement dated XXXX/XXXX/XXXX mentioning that I will receive a written response with thirty ( 30 ) days. 

Throughout this correspondence, Ditech never issued a complaint number which can be referred to in future correspondence. 

The deduction of any amount under 'Prin Only ENC ' is completely illegal. Ditech also failed to provide the full description of 'Prin Only ENC '. 

All the documents related to this complaint are attached.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, TransUnion and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

XXXX Toyota agreed to pay any remaining balance including any wear and tear of the vehicle. I received a bill from World Omni XXXX for {$230.00}. I disputed this in writing with both World Omni and XXXX Toyota. I have documentation in writing from XXXX Toyota advising me that a check was forwarded bringing my account to {$0.00}. Dispute my numerous attempts to rectify and World Omni refuses to remove the negative " charge off '' from my credit. It should be added on or about XXXX, 2016, a representative from World Omni unlawfully accessed my credit report to determine if my potential claim under the FCRA was justiciable. This is violative under the FCRA. World Omni failed to notify the credit bureaus when they filed a negative rating that the undersigned disputed the debt. They changed their remarks on my credit report after I advised I was going to bring a lawsuit to attempt to cover up from their previous violative behavior.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (ME)

I just received a small check for {$53.00} from CFPB/Green Tree Servicing. I did not know we could do anything because they made it sound like this was it. Im not sure what we can do but would like some help. We had Green tree in 2010. My husband lost his job and had a non compete clause ( ie could n't work in his field for a length of time ). We could n't pay our mortgage for 2 years. We had a 30 year note financed at XXXX down to XXXX when he lost his job. We tried a loan modification with Green Tree and they might had done it twice or I know they did something wrong because they made us do a 40 year note adding an additional 17 years to our mortgage. How can you miss 2 years of payments because of loss of work and then owe an additional 17 years to your mortgage payments. That 's outright scandalous. They also added XXXX escrow or something to our principle instead of putting it at the backend. Not sure what this was exactly but they said escrow. We need help and I am not sure where to go because our mortgage should n't be a 40 year note and all additional fees should not extend my mortgage an additional 17 years in fees. Yes, they also did make us do speed pay ( this check we just received does n't cover close to what we put out in those fees ) to make our payments and harassed us monthly even though we had open communication as to our situation and regular payments at that time. I would like someone to review this situation because we should not have an additional 17 years of payments added. I asked them and DiTech ( new company they sold to ) to look into and they said they would but of course they did not. This needs to be fixed and at the cost of Green Tree Servicing. I am not sure what part of the mortgaging company process I am suppose to check on this form but I am going to check loan modification though they scammed us in many other ways as well.
Consumer complaint received 2016-09-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

I am an 18 year customer of PNC XXXX. My age is XXXX and my current XXXX score is XXXX and my current XXXX score is XXXX. My net asset value is around {$400000.00}. Yesterday I was taking my 37 year partner ( age XXXX ) to the XXXX of the XXXX XXXX for a XXXX. We left the health care facility after XXXX and went to a PNC Branch office at XXXX XXXX XXXX, XXXX, OH XXXX. I had a small {$6.00} check from XXXX XXXX to cash and my partner deposited {$200.00}. When I presented my check with my signed PNC Bank Card I was told that I needed a driver 's license to cash it. I asked if the manager could approve cashing it. The teller said he is right behind you. I asked the manager if it was really necessary to have a drive 's license to cash a {$6.00} check when a signed PNC Bank Card was presented and if he could override it. In a very aggressive way he said, Yes I can, but I will not do it for YOU. I then strongly told him that everything he just said and did was on camera and in front of witnesses. Then he shouted across the lobby, " Do n't YOU ever come back to this branch ''. On the way out the door I looked at the manager and said, " XXXX XXXX, you 're going down. '' Meaning that the rude and unprofessional way you treated me is being reported to upper management. 

On my way home I stopped at PNC 's XXXX XXXX XXXX and asked XXXX how to report this treatment and just by chance an area supervisor was in the branch. I spoke to XXXX and she recorded what happened. When I got home I received a phone call from Officer XXXX XXXX Police Department. He told me that the PNC manager, XXXX XXXX, filed charges against me for threatening his life! 
CC : FILE
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I ' m a XXXX year XXXX veteran that has been hit again with identity theft for the 4th time in 90 days and after being with my bank USAA 17+ years and everything going to them, they are refusing to do business or even speak to me and this has become a big deal since the cyber attack on our XXXX records re releasing all our background information and intricate details. Police reports and all are filed. This is a very serious issue for veterans. My friend brother even had another not only getting money in his name ( duplicate debitcards ), however receiving medicines and being treated XXXX just like its was him.