davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK (GA)

I received a letter throug h Magistrate Court  on  XXXX   XXXX ,  2017 , that my ac count with Discover had been turned over to an attorney for collection. I asked my mother to call Discover and see what was going on and request a copy of my last statement of charges, since I am not able to use my phone during work hours. She was told that I had to call them to give permission for my mother to speak with Discover about my account. I had to call twice and gave my permission bec ause when my mother called to speak on my behalf the first time they said they did n't show where I had called. After being transferred several times, my mother spoke with a representative that said since my account had been turned over to an attorney for debt collection that they ( attorney ) would have to request a copy of the last statement. My mother called the attorney 's office on  XXXX   XXXX ,    2017  and had to leave a voicemail with their representative assigned to my case. He did n't call back until  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,  2017 , my mother told the attorney 's representative that we are asking him to request a copy of the last statement fr om Discover. He reluctantly said it might take a little time to get from Discover. A s of today,  XXXX   XXXX ,  2017 , I have received nothing! They are dragging this situation out so they can tack on more penalties and interest! My mother called attorney 's office again today and had to leave voicemail again. The she call ed Discover again to request a copy of last statement again, but was told that I had to give my permission fo r them to speak to her. I called and gave them my permission t wice ( again ) and was put on hold and then told I would have to give my mother power of attorney befo re they could speak with her. I told them I did n't have time for all of this run around since I was at work on my lunch hour trying to handle this. I AM TRY ING TO PAY THIS DEBT OFF but keep getting the run around with Discover. I left out names of representatives that I spoke with, ( but I have them documented ). I just want a copy of my last statement to verify the charges that Discover says I owe..I do n't thi nk they would just pay for something without knowing what they were paying for!!
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Phoenix Financial Services LLC (KS)

Hi I spoke with the credit agency  three tim es regarding this matter provided documentation twice they informed me that it was my responsibility to find out what 's going on not theirs if still not corrected this and I am now in the process of filling complaint with the   XXXX   XXXX   XXXX   as well as your office and attorney assistance over to correct my credit and I was not required to pay and it was paid to the original debtor back in   XXXX     I 'm including the copies of that document as well as the showing that  XXXX  was not responsible for work from the beginning
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

This company is trying to collect {$180.00} from me for a debt they claim I owe. I have written them several letters since  XXXX    XXXX   demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by (  1  ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  ( or ever had )  some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Equifax lists my name as  XXXX   XXXX , but it should be  XXXX   XXXX . The second "  XXXX  '' should be an "  XXXX  ''.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my Transunion credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (OR)

We had a loan with  TD Auto Finance  on our   XXXX   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   we purchased a new home. Part of that purchase required us to pay off our car loan with  TD Auto Finance. A  cashiers check in the amount of {&gt;= $1,000,000} was sent on   XXXX   and the vehicle was paid in full.   At the same time we were negotiating a settlement with   XXXX   XXXX   XXXX   XXXX   on the  XXXX   XXXX   XXXX   XXXX . We had a claim in progress at the time of paying the car off. The appointment to present the car was on   XXXX   XXXX   XXXX  . We took the car and title to the appointment.  XXXX  paid us a total of {$28000.00}. {$14000.00} was paid to us and {$13000.00} was paid to  TD Auto Finance.     TD Auto Finance  received that payment on   XXXX   XXXX   XXXX  . First we were told that the funds had to be held 21 days and they would then be mailed to us. We called in 21 days and the story changed to 31 days, then to 45 days. To make a long story short their story changed every time we called them. These funds are court settlement funds and should have been forwarded to us, instead  TD Auto Finance  cashed our check and they have held the funds every since. Today is   XXXX   XXXX   XXXX  .    TD Auto Finance  states that on   XXXX   XXXX   XXXX   they returned the funds to   XXXX   XXXX   XXXX   XXXX   by regular mail. We have been in weekly contact with  XXXX   XXXX   XXXX   XXXX  and to date the check has not been received. We calle d TD Auto Finance    XXXX   XXXX   XXXX   and the check has not been cashed. We are getting no response from either  TD Auto Finance  nor  XXXX   XXXX   XXXX   XXXX  and our court settlement payment of {$13000.00} has not been received.  TD Auto Finance  has held our funds  hostage  since   XXXX   XXXX   XXXX  .
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield is attempting to collect a debt I never established a contract with them, furthermore they are violation of the FCRA LAW by reporting a negative item on my credit report and I do n't owe them,
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I have a n Auto loan w  ith Santander Consumer USA Inc. Th is is the biggest scam I have ever seen. I did n't have the best credit when I got the car, so I am supposed to have a simple interest loan with a sky rocket rate of   XXXX   XXXX   APR and a monthly payment of { XXXX } due on the  XXXX  of each month.. My first problem with them wa s after falling into financial trouble, I was able to defer  XXXX  payments, Not knowing that once I made my next  XXXX  payments after the deferment, ALL of the money would go to interest. ( Is this even legal? ) Now currently, I  am up to date with all of my payments, I made an EARLY payment on  XXXX   XXXX ,    2017  where ( { XXXX } went to the principal, and { XXXX } went to interest. ) Now  XXXX   XXXX ,  2017 , I made a payment and only  ( { XXXX } went to the principal and  XXXX } to interest. ) How is this even possible? I made my payments early, b ut I am being penalized and more of the money is going to interest. There are also a number of ( misc. fees ) applied to my account as to which they say, those are late fees from prior months or those are fees for this and that. ) This company should be ashamed of what it is doing, not only are they getting a ridiculous amount of money from me every month, plus a ridiculous interest rate, they are also   XXXX   me over for making payments early.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY (CA)

I had a credit card -TD  Aeroplan Signature Card , but  I closed it in  XXXX    XXXX   and never used this card since then. I wrote to the credit card company in  XXXX    XXXX   requesting closure of my account and called them also.   I have not received any communication from the credit card, until today-  XXXX   XXXX ,  XXXX  today i received a statement with an annual fee of  XXXX .  XXXX  charged to me.   I have called customer service of my credit card today, but they have refused to credit the annual fee back, despite the fact that I have never received information that an annual fee will be charged to me. i insisted that they close my account ( although i have closed it in  XXXX    XXXX   but they kept it open ) i think that the credit card is engaged in a scam to illegally keep the account open and collect annual fee.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (TX)

i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (SD)

To whom it  may  concern, I have been a Chase customer for about 4 years. I attempted to close my account through the website and it appears it is not possible. I believe it is very important to provide customers various ways to close an account other than visiting a branch location or calling someone online, especially for those protected individuals that can not complete account closure through neither phone or in-person. It appears that the  Chase  website, even within the customer user interface, only attempts to cross-sell more products and not actually assist their customers with an important step of the customer relationship process -- closure.     For the best customer experience, Chase should update their user interface to allow for online account closures.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

XXXX : Ocwen Loan Servicing LLC Loan # XXXX Property Location : XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX I currently own an apartment located at XXXX XXXX Ave., # XXXX XXXX XXXX, NY XXXX [ XXXX XXXX, New York ]. 
My mortgage is held by Ocwen Loan Servicing LLC. Ocwen is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
My current mortgage payment is {$690.00} [ Loan # XXXX ].  The outstanding amount owed on that mortgage is currently around {$33000.00}. 
The Fair Market Value of my apartment is around {$310000.00}. 
On XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement that reflected RIDICULOUS new charges to my account. 
The statement reflected that I owed County Tax on my apartment for {$83000.00} for tax year XXXX and {$110000.00} for tax year. 
Therefore, according to Ocwen, starting XXXX XXXX, my monthly mortgage payment would now become {$11000.00}. 
Upon receiving the Annual Escrow Account Disclosure Statement, I immediately contacted Ocwen to ; 1 ) Inform Ocwen that there was NO such thing as a County Tax in XXXX XXXX, NY. 
2 ) Ask them where they had gotten the information that was reflected on the Annual Escrow Account Disclosure Statement.
3 ) Provide me with the information that they had used to include that false charge on my Annual Escrow Account Disclosure Statement. 
4 ) Ask them why they did not question how there could be a County Tax of close to {$190000.00} on an apartment that had a Fair Market Value of {$300000.00}. 
5 ) Ask them why they did not contact me about the supposed County Tax before it was included in my Annual Escrow Account. 

During the last month, I have spent at least six ( 6 ) hours on the phone with at least five ( 5 ) different Ocwen Representatives who EACH promised to provide me with the information. 
I was told by each Ocwen Representative that the information would have to be researched and they would get back with me within the week with answers to my questions. 
Ocwen also scheduled two ( 2 ) different phone appointments with me to discuss their findings. 
Although I made myself available for both of the phone appointments, NO ONE EVER CALLED. 
NO information about who instigated the fraudulent County Tax has ever been provided to me.
Needless to say, I am unable to make a monthly mortgage payment of {$11000.00}.
I also should not have to pay for a County Tax that does NOT exist. 
I need your immediate help with this situation. If you have any questions you can contact me at either number listed below. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Land Line ) ( XXXX ) XXXX
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (MT)

I have been through the HAMP process and have signed and followed up on several Dodd-Frank documents suggesting that my prompt payment incentive is on its way. It has been 10 months since the completion of the 6-year program. However, when I reach out to my mortgage company about facilitating the incentive my request is dismissed until my mortgage lender receives payment from the government. There is no advice on how to resolve this. I have held up my end of the agreement, but it appears that there is not a way to access my incentive.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

To Whom It May Concern, My husband and I are extremely " underwater '' on our primary home that we purchased in XX/XX/XXXX. In XX/XX/XXXX, we applied for and was approved for an home modification through our current lender SLS that instead of an decrease in our mortgage we experience an huge increase in our mortgage from XXXX to XXXX. We are currently paying XXXX due to increase in our escrow. We have been trying to refinance to lower the payment but due to that we owe XXXX and the house is value at XXXX we have been unable to qualify for a refinance house until now. We are working with an excellent mortgage specialist that informed us that we could possibly refinance the house if our current lender SLS ( Specialized Loan Service ) agree to forgive the difference amount that is owed. We submitted an letter on XX/XX/XXXX regarding this request via fax and email. I called SLS several times regarding receiving the letter and my request and was informed by one representative that they do not accept those type of requests, another representative informed me that they do not know what department deals with those type of requests and was unable to transfer to that department. I did speak with an Supervisor XXXX who informed that what I was requesting was what SLS called an short notification payoff and that most likely the office that is reviewing my request will send me the documentation to complete for the short notification. However, I have not received such documentation. I have received notice from SLS that they are reviewing my request and will notify me of letter the determination. SLS did not provide me with an timeframe but just stated " will notify you according to the government policy of notification '' Also, they sent me an letter stating " thanks for requesting application for an loan modification we will start to begin the process once you fill out the forms ''. I did not request loan modification as our letter was extremely clear of the request. We believe SLS is avoiding our request and is sidetracking us with other non-useful documentation. We are requesting your assistance in this matter to escalate our requests with SLS so we can receive the correct documentation and proceed to refinance our house to lower our payments as this is causing dire financial strain to our family. Thanking you in advance.
Consumer complaint received 2017-06-19
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Phoenix Financial Services LLC (VA)

First, " called before or after XXXX or XXXX '' is not my complaint. I was not offered a means to describe my complaint accurately before and needed to select something, however inaccurate, to proceed. <P/>My complaint is the available channels presented to me to contact my Collection Agency, Phoenix Financial Services LLC, have not allowed me to actually contact them. I want to rehabilitate my loan and have done due diligence in pursuit of this objective pursuant to CFR 682.405 's description of a borrower 's responsibilities. I have called my CA repeatedly, in the morning, evening and midday. Not once when I called was I able to speak with anyone about rehabilitating my loan. I left multiple messages stating my intention to rehabilitate the loan and giving my contact information, both phone number and email, and have not been contacted with a means to rehabilitate my loan. <P/>I have sent physical mail correspondence to PFS stating my intention to procure a rehabilitation agreement and have not received a response. I would have sent them an email or made my first rehabilitation payment online but from the information XXXX XXXX provided me neither is an option. <P/>When I contact my servicer or Guarantor I 'm referred to the Collection Agency. <P/>I have exhausted the means available to me and have yet to receive affirmation my loan is now undergoing rehabilitation. <P/>I am deeply concerned I will be denied the opportunity to rehabilitate my loan because the clock has run down. I have made every necessary effort to do my part in rehabilitating this loan in good faith. <P/>I sincerely hope the silence from my Collection Agency is just a delay -that a rehabilitation agreement is already on its ' way and I just need to be a little more patient. But the deadline for beginning rehabilitation on my loan is coming up and I would hate to be denied the opportunity to rehabilitate my loan because I was overly passive in waiting for my Collection Agency to come to an agreement with me.
Consumer complaint received 2018-03-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (PA)

On XX/XX/XXXX, I received a phone call from American Education Services attempting to collect a debt that they had called about a few days prior. During the previous call, I explained my intent to pay the full amount due and past due by the end of the month, of which this latest call, I issued a statement intending to pay the full past due and due balance by the week of XX/XX/XXXX.

AES/Pheaa needs to be made aware that communication tactics which include repeated phone calls at inconvenient times, or so close to any phone calls prior violate my rights as a consumer, especially if I've made statements making it clear WHEN I INTEND TO PAY. AES/Pheaa will cease and desist all outgoing phone calls until further notice or legal action may be pursued.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I contacted my lender because I felt the statement they sent me was not accurate. I applied for a loan modification and was denied because the investor said there were no options available because it was a " business '' decision. I offered to put {$14000.00} down but it was rejected because it did not fully reinstate the loan. I don't believe I owe what they say and I feel like they are overcharging me. My loan is now in foreclosure.