davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I tried to log into my online banking account and after I logged in they asked me a security question that I somehow did n't pass. They proceeded to lock my account. I called the number they provided to me, and I spoke with a man named, XXXX ( if thats his real name ) and he asked me for transactions that he could verify and I was giving him transactions from the past week and he said those are n't cleared yet so I ca n't use them. He then proceeds to ask me " what name have I gone by in the past? '' and he lists several names that are not mine and then he says half my name. I know my name has an apostrophe in it and it confuses systems so i chose the only answer with my name in it and IT WAS WRONG. He then patched me through to a supervisor and she only repeated the same thing and then proceeded to say that its out of their hands and that they get the information from XXXX XXXX some credit company. I am a XXXX and the only credit I would have to my name is loans but they 're deferred and I took them out years ago when I was going to XXXX out of state. I then proceeded to question the lady on why this was a thing and she proceeded to repeat herself over and over again. She even cut me off on the phone to repeat herself and after she was unable to answer any of my questions she then said, " Well the only thing I can do for you is tell you to wait till monday. Would you like the hours of the bank? '' I KNOW THE BANK HOURS! I wanted to know why they would lock my account and not have any way to unlock it. I want to know why they are using some random credit company and then burdening XXXX kids who dont have credit. I am genuinely upset and dissatisfied with my conversation with the supervisor and her lack of knowledge, kindness, and ability to answer a question and inform me of all the information I asked. I wanted to check the money in my account and see if I am correctly managing my funds because I have events that I need to budget and allot money for in the coming weeks. I genuinely do n't feel like I will be continuing my business with TD Bank, which is sad because I 've been with them since they were XXXX and I just feel like this is a hassle I dont have time for.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have satisfied my obligation to the IRS in full now. My local County Recorder 's office continues to report an OPEN IRS tax lien. I provided the Recorder with the attached satisfaction letter, and they refused to report the IRS 's lien as satisfied. I asked for a copy of the lien they were reporting, and was refused. I was told they had no obligation to provide me with a copy of that lien. I have sent a copy of my credit report ( also attached ) to the IRS - asking that they update their reporting ( showing satisfaction ) to the County Recorder 's office - but have not seen a response.
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Funding called and wanted me to make payments on this debt.They told me they wanted payments of XXXX month in XXXX payments.I told them that would not work out that I do not work because of serious medical issues.Then they start asking me about how I get money and how I pay my other bills, just prying.As they were talking, there were higher amounts they were asking for.By coercing me giving me speeches of paying off bills and where do I want to be in 5 years.I tried to tell them I could not afford much but would try to give something.They told me I had to pay XXXXmonth on both accounts that 's XXXXmonth I ca n't afford on XXXXmonth.Not including my rent, electric, oil, medications life saving that I told them.These collection agencies get away with coercion, making people feel pressured and cornered, not only pressured but it makes people feel low esteem, low self worth.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (MN)

Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXXXXXX Business Information JPMorgan Chase & Co . 
XXXX XXXX XXXX XXXX, NY XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Customer Service Issues Problem description : I have attempted to contact the company for about a month in regards to a dispute. I have used their secure message center like it is supposed to be used. However, every message that I send is responded back with the SAME EXACT response as the one before and they do not answer any of the questions.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I opened a XXXX checking account based on an offer indicating that I would get XXXX thank you points ( apx XXXX dollar value ) upon meeting requirements. I met the requirements and confirmed XXXX separate times that I had the offer attached to my account and that I had met the requirements. 

After waiting nearly 4 months ( and paying fees ), I was told that I would not get the points because I was not targeted. This is ridiculous as I entered the promo code when creating account and confirmed with representatives that it was attached to my account.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (IL)

OK ... .SOMEBODY USED MY MIDDLE NAME AND FORMER MARRIED NAME TO OPEN A XXXX ACCOUNT AT AN ADDRESS I NEVER RESIDED AT. I DO NOT KNOW WHO DID THIS ... HOWEVER, THIS NEEDS TO BE REMOVED FROM ALL OF MY CREDIT BUREAUS ... .I SPOKE WITH THE DEBT COLLECTORS YESTERDAY AND THEY CLAIMED THAT THE DEBT WAS CLOSED AS OF XXXX XXXX, 2016 ... ..HOWEVER, IT IS SHOWING UP ON MY XXXX REPORT! XXXX!!! I DO NOT BELIEVE THEM, EVEN THOUGH THEY DOUBLE CHECKED!
Consumer complaint received 2016-05-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

XXXX XXXX turned an overdue bill over to Optimum Outcomes on XXXX/XXXX/XXXX for {$230.00}. On XXXX/XXXX/XXXX XXXX was paid and they requested Optimum Outcomes to return the account, ( XXXX ). The recent credit report still shows that the Optimum Outcomes have it as an outstanding debt, when in fact it is not. Optimum Outcomes shows a zero balance so they need to remove the entry from my credit report. XXXX XXXX XXXX
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

By XXXX XXXX, 2016, I wanted to pay my student loan in full. I went on the loan company 's website and logged into my account to establish my payoff amount and find a date when I could get a cashier 's check to mail to the loan company. I called the company and talked with a customer service representative. I discussed with the representative about sending the check overnight an the rep. said I could send the check through the mail and the company would date the payoff to the postmarked date. She gave me an address for where paid-in-full payments are received. It was American Education Services Paid In Full, XXXX XXXX XXXX, XXXX, PA XXXX. The payoff amount on XXXX XXXX, 2016 was {$18000.00}. I purchased a cashier 's check on XXXX XXXX, 2016 in the amount of {$18000.00} and mailed the check on XXXX XXXX, 2016, to the above address certified mail with a return receipt requested.The company did not use the postmark date but used the arrival date instead. The company applied the check to the loan but the did not use the postmark as the date for the payoff amount of the loans. The loan company says I have a {$14.00} balance on my loan. I emailed AES to resolve this discrepancy on the payoff date. In the past, although I had tried to get my name corrected on this loan, AES refused to change it. ( They read my handwritten name incorrectly. ) I continued to make the payments on the bills with the incorrect name. This loan has not shown on my credit reports.
Consumer complaint received 2017-01-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP (GA)

On XXXX XXXX/XXXX/2016 I took a personal loan with Republic Finance located in XXXX, Georgia. My payment history had been satisfactory with them. During the months of XXXX I requested to change my payment date at which I was required to enroll in an automatic payment plan that drafted my payment via ECH. I submitted the form and waited for new payment date of the XXXX but no draft came out. I contacted Republic Finance and they stated they never received a payment from me nor did they receive my payment notice for ECH. An additional form was submitted in the month of XXXX and the receipt that form was confirmed with a customer service rep. On XXXX XXXX a payment was scheduled to draft for both my XXXX and XXXX payment but never came out. I contacted Republic Finance and was provided with the same story that they never received my draft request even after I confirmed it was received. Because of this it put my account in jeopardy of being delinquent and being reported to the credit bureaus. I contact Republic Finance several times but instead of helping me they requested payment. In XXXX I contacted Republic again to make a payment and I was informed that I could no longer send them personal checks for payments because I had two previously returned payments. They stated that I would have to pay them in cash or money order. I refused and asked where that was stated in my loan contract. At that time I was informed that it was a company rule and that it was not established in the loan contract. Republic told me that it was a corporate rule and that it would be enforced. When I told them about contact a government agency they then agreed to let me send a check. Over the past two weeks Republic Finance has been calling me repeatedly over six times a day with the use of an auto dialer to request payment. Earlier this week I sent a request for them to contact me via US mail and that a payment in the amount of {$550.00} was sent to them via mail. They stated that they refused to take the payment and it would be rejected. Shortly following I received a letter acknowledging my request and a letter stating that they would work with me to bring my account current. They Republic Finance was made aware of the check sent through the mail again via phone call but shortly after I received a send letter requesting the balance in full within the next ten days. This made me review my loan contract at which time I observed that the new loan contract was never signed by the lender or myself. All the signature lines are blank.
Consumer complaint received 2016-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

I never owed XXXX {$310000.00} as reported to the credit bureaus. 
Since it was removed I suppose it paid off {$240000.00} reported by Indymac. 
And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account. 
Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice. 
From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full. 
Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money. 
This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me. 

I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}! 
Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame. 
XXXX need to fix it. 
XXXX XXXX XXXX needs to pay me back. 

So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years. 
It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

I went into XXXX without insurance in 2012 for what I found was a muscle spasm. I was discharged the same day and received a bill for {$560.00} from XXXX XXXX XXXX ( original creditor ) for their emergency services. My family was financially unable to pay that account and the account became delinquent and was reported to collections. XXXX XXXX XXXX ( original creditor ) also had charged me for the XXXX visit since their physicians were not employed by XXXX. I never received a bill from them nor did I know they would impose an additional charge for my visit. Because I did not know about this account, it was sold to a collections agency and has been sold back and forth multiple times. This makes it extremely difficult properly address the agency that owns that debt. Back in 2012 I was not properly informed of XXXX 's financial assistance program ( for which I would have undoubtedly qualified, as I presently qualify ). I recently applied for financial assistance with XXXX and was approved for full assistance. They removed all responsibility for the amount owed. Under XXXX policy and Federal guidelines, adjustments made as a result of financial assistance are also applicable to amounts billed by partner companies, such as XXXX XXXX XXXX. I tried contacting XXXX XXXX XXXX to inform them of this adjustment, however they were unable to provide any assistance since they no longer owned the balance I previously owed them. As stated, it had been sold to credit agency after agency. It is my aim to remove the unpaid status from this debt of {$570.00} through the presentation of XXXX 's charity letter and adjustment sheet attached. I would also like to remove both negative information entries originating from XXXX and XXXX XXXX XXXX as delinquency arose from unfamiliarity with hospital policy and financial instability ; not neglect or indifference. 
Having both of these accounts show up on my credit reports has been financially distressing and emotionally stressful. As a recent graduate I am eager to join the consumer market and build my credit. This incidental information has deterred progress toward building my creditworthiness but I have been persistent in obtaining credit through federal loan programs and other minor credit lenders. I ask that CFPB review the attached documents and settle my dispute fairly.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

Since the beginning of this year I have been applying for a remodification for my mortgage while in foreclosure status but have been denied twice by my loan servicer Ocwen. After they have moved the sale date twice as a result of my remodification application, I was informed by XXXX different people on XXXX different occasions that my property was not in foreclosure anymore, but delinquent. But the company still went ahead with their foreclosure proceedings and foreclosed on my house on XXXX XXXX. I only received a from their trustee after the proceedings occurred, and that letter was dated XXXX XXXX. I have filed a dispute with the XXXX at Ocwen for wrongful foreclosure, due to their employees willfully lying to me about not being in foreclosure, but they have denied any wrong doing, and are proceeding with the foreclosure. I live in this property with my wife and kids, and I should n't lose the when I have been falsely informed so I can lose the home. I would like to remain in the property and make my monthly mortgage payments.
Consumer complaint received 2017-01-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NE)

A hold was placed on my savings account so I was unable to transfer money into it. I called the customer service number and was told I have to contact a banker in Colorado to receive any kind of information regarding why I was unable to access my money. The next day I found the same hold on my checking account as well, and was told the hold on my savings account had been in place since XX/XX/2015. This is absolutely untrue as I 've processed transactions using this savings account frequently over the past year. I now have no access to my money. I have tried calling the number provided to me and no one answers the phone. I am attempting to open a new checking account at a new bank because of the service I 've received at my current bank. However, to verify my current account the new bank needs to submit two 'trial deposits ' into that account. The new institution is unable to process these transactions due to these holds, the nature of which no one seems to have any information on. Now this is preventing me from being able to open a new bank account. I can not access my money for reasons that have yet to be explained to me, and I can not move my money to a new institution because my current institution froze my accounts and did n't feel it necessary to inform me.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I signed up for a Citi Gold checking account in XXXX of XXXX under a promotional offer to receive XXXX XXXX Points upon meeting the criteria in the terms and conditions, which stated that the customer must complete XXXX consecutive bill pays in XXXX consecutive months. A Citi representative confirmed that I both signed up under the promotional offer and met the requirements to receive the points. I called Citi twice about this issue, upon not receiving the points within the stated time frame ( between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). They said I was not eligible for the offer. I would not have signed up for this account, or paid the monthly fees ( which they finally agreed to credit back to me, after 40 minutes on the phone ) if I did not think I would be receiving something in return, based on opportunity cost ( regarding both time and money ). I believe this is an unfair practice by Citi. Please see the attached document for the printout of the confirmation of the items listed above. On XXXX/XXXX/XXXX, Citi provided me with documentation of an investigation, concluding that I was not eligible for the offer. The document was password protected ; therefore, it is not attached on this email.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a homeowner, and also in Pro Per against XXXX XXXX XXXX, servicer, and Bank of America, beneficiary. I have a straight forward case : approved and a written Trial Plan Agreement was memorialized. When it was memorialized it was sent to their Quality Control Department which sent the documents back to the Loan Mitigation representative to change the payment dates and then mail the documents to me, the homeowner ; he happened to quit that day and the Bank never followed up on the file. I, the owner, followed up by making over 41 calls ; the bank representatives that I talked to on the phone continuously told me my loan was in the Quality Control for review. When I called XX/XX/XXXX ; someone found my file in " XXXX '' XXXX XXXX Report ; at that time the Bank proceeded to foreclose on my home XX/XX/XXXX. ( The Bank eventually rescinded the title ( XX/XX/XXXX ) back into my name, but never modified the loan. I have continuously lived on my property since XX/XX/XXXX. {$50000.00} later I find myself in Pro Per, because I can not afford anymore legal fees, I represented myself during the three day trial, in which I am not an attorney and did not know the court procedures and was at a grave disadvantage. The Court and the Banks would not allow the case to continue, because there is a " Five Year Rule '' which I did not know about until I asked for the continuance. 
During discovery I discovered my application was fraudulent as well. There are so many issues regarding my entire case that there needs to be a higher power to look into my case and help me. I filed my complaint with the Independent Foreclosure Audit team and received {$6000.00} ; so there must be some validity to my case. Presently I filed my Objection to the Statement of Decision and Proposed Judgement ; I do not want to lose an opportunity to plead to someone who understands the issues. In the meantime, during Litigation, my loan is sold to XXXX XXXX that does not have a reputation of helping homeowners to obtain a loan modification ; their reputation is in selling the homeowner 's home. 
I want to stay in my home ; I have paid my mortgage payment on time for 22 years, and the year I have a hardship and approved for a loan modification-the Bank failed in their Fiduciary responsibilities. 
Can you help me in some way
Consumer complaint received 2024-10-15
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. (GA)

Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/scrub> XXXX  Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXXXXXX XXXX XXXX XXXX XXXX stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy