davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suttell, Hammer & White, P.S (WA)

I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information.
Consumer complaint received 2015-04-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

I had sent payment to XXXX Mortgage in XXXX as I normally do and my payment was not applied to my loan!! LoanCare ( debt collectors for XXXX Mortgage ) have been contacted on NUMEROUS occasions and nothing is being done to rectify the situation. I have also sent a copy of the cancelled check to various dept 's within LoanCare and everyone seems to be clueless as to what is occurring. My FHA loan has been in default for the last two months and I am very frustrated with this Mortgage Company. On or around XXXX XXXX I again sent a copy of my cancelled check and I received notification from their Mortgage Company Resolution Dept stating this matter is important and will be dealt with accordingly. Nothing had been done. I finally went to XXXX XXXX XXXX Office ( XXXX in VA ) to seek help. I was welcomed by XXXX XXXX XXXX and she was appalled at the service provided by LoanCare. We were on the phone for approximately 2 hrs and nothing had gotten accomplished! Every rep we spoke with had given us misguided information which worsened my nightmare. I am receiving notification that my house is going to be foreclosed on and my mortgage payments are CURRENT. Late fees have incurred and my credit is now tarnished! U ca n't imagine the stress and aggravation I am enduring. I have been directed to file a complaint with CFPB because this matter needs attention due to the severity of the actions from LoanCare. I sent them my payment, they CASHED the check but wont apply it to my mortgage!!!!! My credit has been tarnished due to their negligence and they must be held accountable. To add insult to injury when I left my Congressman 's Office I contacted the Mortgage Resolution Dept to find out the status of my complaint. U would not believe the response that I received. I was told that they received my complaint accompanied by the canceled check but the fax was misplaced. WHAT!!!!!! I was told to send in another copy of the canceled check so the complaint can be reviewed. The " Notice of Error Acknowledgment '' that I received from them dated XXXX XXXX pertaining to my complaint had n't even been reviewed ... .today is XXXX XXXX!!! I asked the rep how could u receive documentation and it get misplaced? Furthermore when was I going to be notified that LoanCare needed another copy of my canceled check for the XXXX time?! Her response was " well we have 30 days ''. Seriously!!! As I am about to furnish them with a copy of my cancelled check the rep calls me back to say they miraculously located my fax. I wish that I would have NEVER of refinanced with XXXX Mortgage. Stay away from this Mortgage Company!!!!!!!!!!!!
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I have a so called " Personal Service Loan '' with XXXX. It was opened in XX/XX/XXXX. In XX/XX/XXXX, my relationship with XXXX was terminated and my accounts, including this loan, were closed. For the first few months after account closure, I was not receiving statements. I do now receive statements, but often times weeks after the date the statements indicate they were mailed. 

At that time, XXXX was incorrectly listing my account as a revolving credit line. Sometime around XX/XX/XXXX, I disputed it with Equifax. Equifax completed the dispute and reclassified it as an installment loan ( see attached credit report dated XX/XX/XXXX ). Up until today, XX/XX/XXXX, this account was always classified as a CLOSED installment account. When I checked my report today, much to my surprise this account is now listed as an OPENED revolving account with a XXXX late notation. Not only is this account misclassified, something that was initially changed through dispute procedure has been changed without informing me of this change, a violation of FCRA. 

In addition, this account has never been XXXX+ days past due. The minimum payment due on this CLOSED account is {$550.00}. On XX/XX/XXXX, there was a payment made in the amount of {$600.00} -- {$45.00} more than required. In order for that payment to have been deemed late, it would have had to be received after XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of {$500.00}. Together with the overpayment from XX/XX/XXXX, the total payment made was {$540.00}, which is more than the {$520.00} that was due for that period. However, XXXX is now indicating that my account is {$20.00} past due more than XXXX days. That is not the case. I would never allow a negative entry to be made on my credit report over such a miniscule amount like {$20.00}. Also, I would point out that the payment key on the account indicates as current status.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

please help me my mortgage company approved for a loan modification however i noticed that my original loan balance was {$390000.00}. Now as of today i received the final modification agreement stating that my loan amount is {$390000.00} and they also adding {$280000.00}. for no reason. 
Bank of America is trying to take advantage of me and my family. We called Bank of America seeking help due to our hardship and it is not fair that because our hardship Bank of America is taking advantage. 


PLEASE HELP!!!!!
Consumer complaint received 2015-12-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

transfered money to XXXX bank for a car purchase the purchase was fraud i cancelled the transfer the next morning i tried to cancel same day but bank closed but the stop was in i have emails it took almost 1 week for someone to let me know a representative from the bank called me and sent email to bank trying to contact me saying he has my money and tell my bank to contact him to get my money back i only received XXXX XXXX dollars out of my XXXX dollars .i tried to contact the investigator from santander bank XXXX XXXX XXXX XXXX and she says she can not contact XXXX from XXXX bankXXXX XXXX XXXX to resolve this matter my case number is XXXX i really need some help to resolve this matter
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-03-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (MI)

I receive government VA XXXX benefits that are loaded to a Direct Express debit card issued by Comerica Bank. I was recently incarcerated and my account was therefore locked. While incarcerated, my sister, who is my power of attorney, attempted to work with Direct Express to access my funds to cover my living expenses and they stated that they would not release the funds because I was in jail. In no contract or agreement anywhere online or in physical possession does it state that a beneficiary of VA XXXX benefits shall be rejected coverage while incarcerated, so that is my XXXX issue. 

I was released from XXXX XXXX jail on Tuesday, XX/XX/XXXX XXXX and immediately upon release, I contacted Direct Express at XXXX to unlock my account. They XXXX requested proof of release and I faxed the documentation to XXXX. I followed up on Wednesday, XX/XX/XXXX XXXX and Direct Express confirmed that they had the fax, but now they needed XXXX forms of picture identification. Since I currently have no money, I walked to a printing company and faxed XXXX forms of picture identification. I called again today ( XX/XX/XXXX XXXX ) to follow up and they said, " we do n't need XXXX forms of picture identification ; we only need the proof of release '' and much to my surprise, now they DO NOT have it and that it takes up to 6 business days to obtain the proof of release that I faxed on Tuesday, XX/XX/XXXX XXXX. I asked to speak to a supervisor and the person hung up on me. I called back, explained my situation again, asked to speak to a supervisor, was put on a long hold, and the same representative by the name of " XXXX '' stated that a supervisor is unable to speak to me until Direct Express receives my faxed proof of release, which could take up to 6 days. He hung up on me after I further questioned their practices.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

recently, transunion made a reccomendation on my credit file not sure if they benefit from people getting new accounts or not .any way there reccommendation was for me to transfer my XXXX credit card XXXX saying it would save me money .there was no way for me me to check who the bank was i assumed cause they reccommended it that they researched it .after opening new card i go to transfer my balance they contacted me saying they we 're unable to transfer from one XXXX to another .i could n't close the account because it would hurt my account i called trans union XXXX call told guy hoping he was writing it down /putting in the computer i asked him he said no i asked if there was an XXXX speaking person cause i could n't understand him he said no .he gave me a fax which was n't working.i called back a XXXX answered again told her again no resolve .i was just trying to tell them that the reccommendations they make are false and to put up that on thier site to tell people because thier information hurts people credit
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

there is an account that continues to report on my credit file from XXXX acct # XXXX and XXXX # XXXX also known as XXXX # XXXX after this acct has been established with the other credit bureaus and the companies to be fraudulent ... ..
Consumer complaint received 2015-08-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ad Astra Recovery Services Inc (TX)

TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Consumer complaint received 2015-05-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A. (NJ)

Citibank fails to issue me a statement when I ask. They can not tell me how much my payments are nor can they tell me my balance or interest. My mother cosigned and filed for bankruptcy. However I have made payments continuously and on time to satisfy my loan. Citibank REFUSES to issue me a statement monthly or answer my questions when I call blaming it on my mother. 

I want to pay off my loan honestly, but Citibank REFUSES to cooperate overtime I call for a statement. I have NO IDEA what my payments go to whether its interest or principal. 

I am asking for your assistance as Citibank has been UNCOOPERATIVE in assisting me. 

Thank You, XXXX XXXX
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (PA)

I applied for the loan in XXXX 2013 because an emergency had come up and I needed cash quickly. I was given a loan of Approx {$3500.00} from Onemain Financial. The rep informed me at the time that it would be a 60 month loan and after all the payments were made I would have paid back {$14000.00}, to which I asked " I could pay off off early and not have to pay the extra interest right? '' and was informed by the rep that I could. I was not willing to pay $ XXXX in interest on a {$3500.00} loan and I voiced that and was assured that I could payoff the loan and not have to pay the extra interest. When I attempted to payoff the loan within a year of applying I was told that the balance was $ XXXX and all of my payments had been going to " interest '' ... I feel as though Onemain were very deceitful in their loan process and I was blindsided into agreeing to this loan that is wrong and illegal in so many ways.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT)

what happened is i think my bank is charging me twice for transactions. when i go online with my bank i will see transactions posted with one balance and these are supposedly cleared. but when i go on to the website i see those same transactions on a different day with another balance and even when i have had another payday.i would like to have a rundown of my account done and would like to have the bank stop moving the transactions around. i think that there is a discrepancy in their banking practices. and they could be charging us double on our line of credit also. all i know is that when this practice happens the differences in the amounts are hundreds of dollarsl.
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I made a deposit to Bank of America on XXXX/XXXX/15 for {$1400.00} and received a receipt that a deposit was accepted and would credited by the end of business, which it was. In the interim on XXXX/XXXX/15 they retracted the deposit and placed a hold on it until XXXX/XXXX/15. I did not receive any notifications, but in talking with the bank representative they claimed it was emailed to me on XXXX/XXXX/15??? How can you charge me a {$35.00} fee on XXXX/XXXX/15 without providing notice. To add insult to injury I was charged another {$35.00} fee on XXXX/XXXX/15 for a difference of 34 cents??? This is down right deceptive and should be illegal.
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (TX)

I had hail damage to my residence and a rental property in XX/XX/XXXX. I notified my insurance agent at XXXX XXXX and proceeded with the claims process. I eventually submitted the insurance checks to Stearns to hold in escrow. Unfortunately they co-mingled the repair funds between the XXXX loans. I asked them repeatedly, verbally and in writing to stop mingling the funds and assign the proper repair funds to each loan. They never did. 

To make matters worse, they transferred the loan for my residence which had more repair funds than it should have assigned to my residence loan. Because of quality issues and significant delays on the part of the roofing contractor I used for XXXX properties, I held back some of the checks from the contractor and they expired. I have called and spoken with XXXX multiple times and also wrote letters requesting they reissue the checks as they had verbally said they would do on multiple occasions but never did until I submitted a complaint to the CFPB or threatened to do so. 

In my last letter to Stearns dated XX/XX/XXXX, I asked them to reissue XXXX checks, XXXX for {$14000.00} which they had designated as attached to the loan for my residence, their loan # XXXX, XXXX containing about {$3.00} of co-mingled funds ), and a check for {$240.00} for XXXX loan # XXXX. I eventually received a call from XXXX XXXX, of Loan Care who was doing the servicing for Stearns on XX/XX/XXXX. She said they had to wait on the funds from XXXX and we agreed she would call me weekly until I had the funds. She did not call me again. I called her at her direct number XXXX on XX/XX/XXXX. She did not answer so I left a message. She still has not returned my call. 

I eventually received a check from XXXX in the amount of {$14000.00} dated XX/XX/XXXX which I reposited on XX/XX/XXXX. I have yet to receive the other check in the amount of {$240.00} after multiple letters and phone calls.
Consumer complaint received 2015-05-15
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

ace check cashing has been trying to withdraw money from my bank account multiple times every month putting me in even more debt because of the overdrawn fees that come with my bank. I have got some harassing phone calls from a unavailable number stating that they are going to send me to jail for 15 years if I do not pay them. I was even told by the person from Ace Checking that if I did not pay them today that they would send a police office to my door and arrest me. I get at least XXXX phone calls a day from them sometimes at XXXX I have told to stop calling me and to send me any information that they have to me by mail. I have even sent a letter to their company by certified mail telling them to stop calling me, but to no success.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MD)

On XXXX XXXX, 2015 I received a letter from American Express Co XXXX AE XXXX. dated XXXX XXXX, 2015. The letter states " A merchant where you used your AE Card detected unauthorized access to its data files. '' I called AE to inquire as to what merchant was involved and when the breach was found, but AE told me they were not given that information, so we closed the account. I believe that AE, and all credit card companies, should receive full details of data breaches and be allowed to pass that information along to affected card holders so they may be better aware of impacts to their personal credit and identity theft. I also believe that withholding this information is not in the publics interest and serves the criminals by allowing them to operate in the dark. I ask that you, or AE, provide me with full disclosure of this data breach. Thank you for your time.
Consumer complaint received 2015-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

Allied is reporting an account on both my XXXX XXXX and XXXX credit reports in the amount of $ XXXXfor a former account with XXXX. This account was paid directly to XXXX in full. Therefore, Allied does not have any legal right to try to collect it from me, including reporting it on my credit report as unpaid and derogatory. Allied has an obligation under the FCRA to report truthful and accurate information and because they have no legal right to collect this account or report it they are in violation of the FCRA. Further, I have never received any mail communication from Allied notifying me of the account or my right to dispute it as per the FDCPA and although Allied calls my cell phone repeatedly with their automated dialing system, they never leave any voice messages.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Despite providing evidence of flood insurance coverage, responses to prior mailings requesting such evidence, a myriad of phone calls to their horrible customer service line, and my condo association providing evidence on ongoing coverage, Ocwen continues to threaten to place lender purchased coverage for almost $ XXXX. 

As a consumer who pays perfectly and always responds to any inquiry, how do I protect myself against these unwarranted and fraudulent threats?
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

I notified Experian that this is a fraud account twice. I called on XXXX/XXXX/2015 to complained about there investigation with this fraud account from this collection company named XXXX XXXX Nv XXXX.Under Fair Credit Reporting Act, I should had been mail of any account in collection to be notified in writing about a collection account. I was n't notified of this collection account until my credit alert notified me of this collection. This account is identity theft and Experian only asked for basic information to this company like my name and date of birth. Any person can have that kind of information. I have asked for proof that this is my account, copies of social security, identification etc. collection companies are breaking laws and the credit bureaus are letting these company get away with this. This is not a duplicate
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

In XXXX XXXX, we submitted a complaint to you ( case # XXXX ) about a wrongly reported open mortgage balance on our credit reports. That mortgage had actually been paid off in XXXX XXXX. Ocwen - the company that had reported the above on our credit reports - acknowledged their mistake and confirmed in writing that they would make the correction ( their confirmation # XXXX ). Until today, six months later, all three credit reporting bureaus still report that we were in serious delinquency in XXXX as a result of this. In addition, Owen 's telephone number provided in their letter ( XXXX ) is a marketing scam, set up to make any follow up as difficult as possible, intentionally in our opinion. 
Our request is for Owen to ensure that the credit reporting bureaus no longer report a serious delinquency on our reports due to their mistake. As a result of this we are unable to refinance our current mortgage at a lower rate with an estimated impact of $ XXXX over the next five years.