davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

First, let me say that this is so exhausting. Not only have I sent supporting documents but I have spoken with several representatives at Experian about a tax lien that they ( Experian ) went out and found in public records and was not even reported as I have been told by, XXXX County Court, that this account is no longer valid and has been satisfied. Both XXXX and XXXX has removed the negative mark but old Experian just seem to want to hang on to it. I want this, TAX LIEN, removed immediately or I will be forced to seek any legal assistance to make it happen. I am tired and will not keep waiting for the same results ( Remains ). Please ask Experian to properly investigate and remove this bogus item from my credit file. I do not have any balance owed to, Georgia Department of Revenue ( Tax Lien ) and I have sent state approved letters showing execution and Experian will not remove the item ... .why?
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

After the security hack at Equifax was revealed on XX/XX/XXXX, I placed a freeze on XX/XX/XXXX and was charged {$10.00}. I read that after many complaints the company agreed to reverse the charge. I called to have the fee reversed and they refused. Why is Equifax allowed to profit from their own negligence?
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Services, Inc. (IL)

I have debt collection on my credit report from CERTIFIED SERVICES worth {$500.00} which I am not responsible for due to the fact that I was involve in an incident where I was the victim and needed medical attention back in 2015.
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (NH)

I got a phone call at my place of employment for a debt that was not mine. I am a XXXX XXXX and the phone call was recorded. Due to the nature of my job I am not to have poor credit. Now it appears to my employer that I do. The caller stated the person with the debt had a date of birth as XX/XX/XXXX. This is clearly not me.
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Midwest Service Bureau, Inc. (KS)

Midwest Service Bureau called regarding a bill with the XXXX XXXXXXXX XXXX the phone was answered by my boyfriend In the call the collector revealed my XXXX status and went on to say they would sue me if I did not pay the bill. Now the entire town knows about my XXXX status because of this company.
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (NC)

Good Evening, I am currently enrolled in a Master 's program at a school where I received a XXXX XXXX ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my Master 's out of pocket. 

There was an opportunity to Study Abroad next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. 

Next, I logged onto my account online for the school and there was a disbursement of over {XXXX} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. After some struggling, the school corrected the issue on their website. 

However, now a check was sent to me today, XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes XXXX. It is showing that I owe this amount, plus interest, and a {XXXX} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. 

I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

Please let me know if you need more information. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2016-12-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (MS)

A representative a XXXX threatened over the phone to take my income taxes for a credit card debt I had obtained in XXXX or XXXX. They also have someone calling my job and calling my HR director " a rude woman '' and asking if I work at my place of employment because he is calling with a " courtesy call ''. He is actually a process server. I do not want debt calls at my job. I was not working at this job when I obtained the debt 8 or 9 years ago.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I 've had a Capital credit card for about 2 years. I have always had them make automatic payments deductions from my bank account. The last payment authorized was {$XXXX} per month when their payments were just {$XXXX}. About a month ago I received a notice that I have n't made any payments to the fo
r two months. They have applied late fees charges and were demanding close

to {$XXXX} to bring my account up to date. My problem is that they did n't notify me when they did n't pull out the usual amount without reaching out to me that more money was due. They did n't pull out the {$XXXX} or even contact me to let me know that more was due until two months after the fact and that payment request was already attached with late fees. I do n't have a problem making the monthly payments, but I do n't see why I should have to pay the late fees when they were authorized to pull out the {$XXXX} and should have been contacted at that time
that they needed more of a monthly payment so that I could adjust the bank authorization again.

It was their failure to notify me about the changes prior to the due date so that I could make changes. The reason why I had automatic changes was so that I would n't have to make sure that they got paid and I had one less bill to worry about since it was supposed to be automatically taken from my account.

I have been locked out of my account and ca n't see what they are charging me. Instead they are offering me payment options, but those payment options include the late fees that they inflicted upon me. I should have been notified when it was n't a sufficient amount so that I would n't have incurred these late fee penalties. Now what they have done was alter my credit ratings because I refuse to pay for late fees when they were supposed to take the funds directly from my bank account and should have notified me from the beginning and not wait until they applied two months late fees which is now three months and I have NO access to the account to see what they are charging me.
Consumer complaint received 2016-09-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Wells Fargo is trustee to the account of my mortgage, serviced by XXXX. For the last five years I have battled these companies over issues such as illegal foreclosure, where they sold and repurchased the property for XXXX more than the original loan while I was applying for loan modification. Wells Fargo rescinded the sale but left the principle balance at the higher amount. Communicating with them is impossible as the call center is outsourced to XXXX. There is no communicating with these people They simply do not understand the issue and are like robots you can barely understand. Wells Fargo denied they have a connection to me. I am unable to participate in any programs to save my home. Apparantly this is an illegal XXXX equity loan that we simply did not understand. How can the average consumer win with the big business bankers? Who can help? What happened to the american way? After 16 years of paying a mortgage my principle balance is more than the original loan and I will lose the house XX/XX/XXXX. I was offered only to agree to foreclosure, no other options available from XXXX, the servicing company who 's motto is ; " Helping people is what we do '' This is my last attempt to find someone who will listen. I will have to let them win in the end and just walk away like so many other americans have had to do. Lose everything and start again while executives live the life of luxury. In XX/XX/XXXX-XX/XX/XXXX I invested XXXX dollars with an attorney and a class action suit to battle XXXX and Wells Fargo. Just before settlement my attorney disbarred and left me hanging. If this complaint is actually seen or read, I respectfully appreciate any help or direction with the issue.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I wanted to pay down a Bank of America credit card. I have had the card and other accounts for over 15 years. The total amount owed was XXXX. I called ( XX/XX/XXXX ) about settling the debt and they said ok and transferred me to 3 or 4 people. I realized they were closing the account and " settling '' and called back less than 15 minutes later ( XX/XX/XXXX ) and they said it was fine that I did not need to settle and no paperwork had been submitted. I made a {$9000.00} payment the next day. Then I received a letter that the account was closed so I called to am where I could see my remaining balance. The lady said she would send one out. Then yesterday I received a letter that said the credit agencies would receive a bad report on my behalf. I called and after an hour and a phone call back was told there was nothing that could be done. All I wanted to do was pay them the full amount owed. The settled amount was {$8300.00} and they took the {$9000.00} payment I made. I want to give them the remaining {$1300.00} so I wo n't be in financial ruin for the next 10 years. That 's all I wanted to do and they refuse. Please help me. I have a XXXX XXXX XXXX XXXX XXXX and both my wife and I have worked and paid our bills for 20 years.
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (MN)

I opened a checking account with BMO Harris bank on XX/XX/XXXX. I opened this account in the XXXX XXXX, MN branch location. I brought with me a coupon for a promotion to open the account. The coupon and the bonus terms and conditions are attached to this file. The terms are that I will receive a {$200.00} bonus for opening a new account and setting up a recurring direct deposit of {$300.00} or more. The terms say that the bonus will be credited within 120 days. I contacted BMO Harris Bank and asked why my bonus was not credited. Initially, I was told it would be credited to my account within 10 business days. Later I was told that I did not meet the terms of the contract. I was told that I had an account open within the past year. This is not true. The most recent time I held an account, in any form, with BMO Harris, was XX/XX/XXXX. According to a BMO customer service representative, I closed that account on XX/XX/XXXX. The terms of the offer say : " Offer not available to existing BMO Harris personal checking account customers or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion. '' Since I opened my new account on XXXX/XXXX/XXXX and closed my most recent previous account on XXXX/XXXX/XXXX, I did not have an account with BMO Harris for over a year, and during no part of 12 consecutive months. I have otherwise met the terms and conditions of this offer and as such, BMO Harris is in breach of contract. They have refused to credit the {$200.00} bonus to my new checking account after 120 days. I also feel that this is false advertising on the part of the bank, and has wasted some of my time and likely the time of its employees in researching this matter. I acted in good faith, met the terms of the offer, and expect the bank to hold up its end of the deal.
Consumer complaint received 2016-10-12
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MA)

My wife went to XXXX and attempted to make a purchase, it was declined. She attempted the same purchase again, it was declined also. However, when I looked at the statement, both purchases were taken out of my account. I contacted Bluebird by American Express, my prepaid card company. They started a dispute, and after about two weeks with no update, I called again. I was told they have no update and that I could not speak with the dispute team because they are a BACK office and have no phone number. I went to the store and found that neither of the transactions were in their system, with the transactions being declined, that is normal. I have been waiting for 6 weeks and I still do not have any update or my money back. Any help in this matter will be greatly appreciated.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

I have prepaid my flood insurance for 3 years and my home insurance for the year. Every month I pay for both flood and home owners insurance despite submitting proof that they have been paid in full. I have contacted there escrow department over a dozen times. They fail to respond unless severe persistent measures are taken. I have called, sent emails, even certified letters. My insurance company has contacted them. They have confirmed they have gotten the documents and yet, every month I am still overbilled. They overpaid my property taxes by XXXX, which when asked by the XXXX clerk she has no idea why they did it. I feel its unreasonable that I, nor anyone else should be forced to used a lending carrier that cant even bill every month correctly. If they can not handle paying the appropriate people ie my insurance company, the tax borough and whomever else I should not be forced to have incompetence controlling my finances.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (GA)

Received an annual escrow account disclosure statement on XXXX XXXX, XXXX that shows a shortage due of {$6400.00}. My homeowners insurance , county and city taxes have each gone down when compared to bills paid in XX/XX/XXXX. If a shortage existed last year why was there only an increase of {$96.00} monthly for escrow ( {$1200.00} for the year ). Either they have serious accounting issues or they are ripping me off. When I called the Customer Care Department and selected the prompt for escrow the person was unable to answer my questions. Escalated to Sheriff. During this conversation it was clear that the analysis they sent me for XXXX failed to properly disclose amounts paid in XXXX for the higher tax amounts. The timing in the escrow analysis has caused this huge discrepancy. Why was the first analysis performed XXXX/XXXX/XXXX and adjusted again ( down ) on XXXX/XXXX/XXXX then the next analysis not performed until XXXX/XXXX/XXXX resulting in two years of higher than originally scheduled tax amounts to be due. An adjustment should have been made earlier to prevent a negative escrow balance of over {$5000.00} to result in a 14 month period. This is unacceptable behavior from a mortgage company.
Consumer complaint received 2016-05-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Prospect Mortgage, LLC (CA)

I purchased a home in XXXX XXXX XXXXXXXX4.25 % 30 year through a lender that uses XXXX to sub-service their loans. In XXXX XXXX the XXXX reduced MIP by XXXX basis points. I did a FHA Streamline Refi in XXXX XXXX through the same lender ( MIP reduction plus new interest@3.25 % 30 year ) and Cenlar remained the sub-servicer. Later in XXXX I noticed something was weird with my loan breakdown screen in XXXX. Someone determined that the MIP was being incorrectly collected, issued me a refund check and for the past year, each month they collect too much from escrow and refund some back. Then, this month ( XXXX XXXX ) I receive a statement from XXXX saying that I now have a shortage amount in my Escrow account and that I owe them money ( over {$5000.00} ) within 30 days and my mortgage payment is going up staring XXXX XXXX. I have been calling Cenlar trying to work with them to figure it out, they transfer me to Lakeview Loan Sevicing 's Refi Department ( I have never heard of them but apparently they bought the loan from the original lender ) and Lakeview tells me they do n't know why XXXX transferred me to them as they only originate loans ( they also use XXXX to sub-service just like the original lender does ). Because I can see my old, paid off FHA purchase through my XXXX account as well as the newer refi through my cenlar account, I noticed that besides the MIP error they made, it looks like what they collected for escrow/taxes is much less on the refi than it is on the original purchase. XXXX has admitted on calls with me that there were errors at closing, but says its not their issue. I do n't believe that I should have to pay for errors that the lender/escrow company made. I believe that the loan amount should go up a small amount monthly ( from what I estimate, around {$200.00} to make the tax withholding the same as it was on the original purchase ( as taxes generally do n't change in a 6 month period ) ) to make sure there are enough funds in the escrow account to cover taxes, etc. But with errors by the lender/escrow company and my fully executed loan docs showing what I am currently paying as correct, I should n't have to pay the deficient balance, the lender or escrow that made the error should. Also, my original purchase loan amount was {$3200.00} ( never late ) - since the refi it was {$2400.00} ( never late ) now they are saying that it will go up to $ {$3200.00} staring in XXXX XXXX? How can that be correct? I reduced MIP and interest rate on the same ( if not less ) loan amount and now my payments are the same again? Someone needs to fix this. NOW. I have timelines, names, etc. of who I spoke to at XXXX. What is also interesting is that they say the last notes on the account are from a man, but I only spoke to XXXX women, so I am suspect that they are also changing things on their end because I have been on top of this and trying to get the responsible party for the numerous errors in disclosure/escorw/closing, etc to cover this and make it right.
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AZ)

American Medical Collection Agency ( AMCA ) of XXXX, NY, re-dated an old fraudulent collection account from XXXX to XXXX, and reported it as a new collection account to major credit reporting agencies. This unscrupulous act to stretch out how long this derogatory information my be reported, is a violation of 15 USC 1692c for debt harassment and unfair collection efforts. AMCA also utilizes such unethical measures to use another identity and address, i.e. XXXX at XXXX, also of XXXX, NY, to collect the same fraudulent debts. The removal dates of this negative trend line can be traced on my credit reports over the past few years. This company has been served with Cease and Desist Orders from harassment by me, every year, for the past 3 years. The false accounts reported by AMCA do not qualify as open end or closed end accounts under Federal reporting guidelines. The files need to be closed and further collection efforts terminated. The obligation does not belong to me. AMCA was advised to seek restitution from their client. This was a health insurance card mishap, or a physician 's office mix-up for lab services. I refuse to be repeatedly victimized for someone else 's mistake, and illegally harassed by misreporting.
Consumer complaint received 2016-09-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC (CA)

I was contacted by XXXX XXXX at Atlantic Recovery Solutions. He said he was trying to reach someone regarding a debt they were trying to collect on. He gave me the person 's name and how much she owed. I asked how he got my number and he said she had used my name and number on a job application as a reference. 
I truly hope this is illegal behavior. This is public shaming and possible slander. To give out such information to others in this person 's field threatens her livelihood and career. And damages her reputation.