davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I had my mortgage with OCWEN from XX/XX/XXXX until they informed me on XX/XX/XXXX they sold my mortgage to XXXX XXXX XXXX XXXX. I made XXXX last payments to OCWEN in XX/XX/XXXX. XXXX payment was received on XXXX XXXX for {$970.00} to covert the mortgage for the month of XXXX and the XXXX payment was received on XXXX XXXX for {$1000.00} to covert the XXXX mortgage of {$1000.00} and the {$56.00} change of new payment. OCWEN did not apply the payment to the XXXX mortgage. Instead they applied it to the principal. Now, XXXX XXXX is sending me to collections because they said I am late with my payments. I have contacted OCWEN and they said they will fix the problem but they did n't and now they are saying that the only thing they can do is to give me a statement showing what was paid but they will not forward the payment to XXXX XXXX. XXXX XXXX at the other hand will not do anything to get the payment from OCWEN. I ca n't pay XXXX for the XXXX Mortgage just because this XXXX companies ca n't seam to know what they are doing.
Consumer complaint received 2015-10-20
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Empowerment Ventures, LLC (MO)

I have had a Rush Card for the past 2 months with no problems. On this past week my payroll deductions did not go onto my card. I have called several times to speak with customers service but i get no answer, the phone hangs up automatically.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX XXXX management is reporting that I have have a check that was returned do to insufficient funds this is not true this was a stop payment do to the tires I bought made a funny noise I returned the tires and did not get money back I told them I stopped payment this is not true it was not insufficient funds
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX County Special - XXXX County Special - XXXX
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc. (LA)

I called Renton Collections today to pay a debt in collections from an ambulance ride I was given after having a XXXX XXXX shortly after Hurricane XXXX forced me to relocate from XXXX XXXX to the XXXX area. 

My credit report showed the debt as {$1000.00}. But when I gave my credit card information to the woman ( XXXX XXXX ) assisting me over the phone, she charged me {$1600.00}. She explained that the nearly XXXX additional dollars were due to interest. I agreed to pay that amount in full, but requested an itemized breakdown of the accrued interest showing how we got to that number today. 

She refused, and instead emailed me a proof of payment showing the total amount charged, but without explaining how that amount was arrived at. She told me that information would be available if I made a request in writing. I asked to speak with someone else in the organization who may be able to help. XXXX first refused to transfer me, explaining that she was the manager, but eventually transferred me to XXXX XXXX. 

XXXX also refused to provide me with any sort of written breakdown of the figure I had just paid. At one point he suggested that I was a criminal for " not paying to good doctors who provided me with such good service ''. 

XXXX transfered me back to XXXX. XXXX continued to refuse to provide me with the information I was requesting, showing how the debt increased. Both XXXX and XXXX told me multiple times to go to " XXXX and use the calculator to figure out how interest works. '' When I reminded XXXX that she had earlier offered to send me this information if I made a formal request, she backtracked and said that Renton Collections would forward my request to their lawyers and then decide if they could share anything with me. 

XXXX told me at the end of my call that I was a special case and that they were wiping my collection notice off of my credit report because they had never called me to tell me about the debt. She said that records showed they had mailed me once at a XXXX address that I do not actually live at. 

XXXX also suggested that she could put the debt collection notice back onto my credit report " if I wanted her to ''. 

I have an email from XXXXXXXXXXXX showing I paid {$1600.00} today, but have been refused an itemized breakdown of the debt, or even proof that the debt was owned by Renton Collections.
Consumer complaint received 2015-05-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (NC)

I owed a medical debt to XXXX XXXX XXXX. They reported this matter originally to XXXX. XXXX lost the contract with XXXX XXXX and the debt was turned back over to the hospital. Once that was done, XXXX XXXX contacted me. I immediately paid this collection matter with the hospital. XXXX has agreed to delete this from my report. XXXX XXXX contracted AMCOL to collection their accounts. For some reason AMCOL started reporting a debt that I paid prior to being sent them. They are refusing to remove this error. AMCOL should have never reported a debt I paid prior to being sent to their office. Additionally, the refuse to assist me at all with this matter.
Consumer complaint received 2015-11-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (AL)

I have a loan out with Navy Federal Credit Union that has been awarded to my ex-spouse in our divorce proceedings that is still showing on my credit report. I have offered multiple times to provide them with a copy of the decree, but they were unwilling to accept it. This is adversely affecting my credit score and history and I would like to have it removed. The account has been charged off because my ex-spouse has refused to pay since 2013.
Consumer complaint received 2015-05-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This complaint goes back to the beginning of a loan modification with Bank Of America starting XX/XX/XXXX. The BOA rep ( XXXX ) that was handling the account continuously requesting the same paperwork over and over again, even though it was faxed many times, and I know they had it because I had done all the paperwork myself. The rep ( XXXX ) also lied more than XXXX to me during this procedure. The rep dragged this modification out until XX/XX/XXXX in order to take almost every penny of equity out of the house when she knew that she was going to deny the modification because it was not the mortgage holder 's primary residence. Well according to research I have done " The Obama Plan '' states the loan can be modified if it is a XXXX residence, and can be occupied by a family member ( I am daughter ) that does n't pay rent. So this rep was blatantly denying this loan in order to steal the equity out of the house, and now they are trying to take the house also. BOA has sent many Fed Ex envelopes with contacts of about XXXX different people ( which there should only be XXXX ), which I have never spoken to any of them except the latest person ( XXXX ). I have left voice mail messages with many of the people on the letters with no response from them. I believe this is BOA 's scam and they think that people are just going to give up and let them take the house and the equity. Well that is not my case. I will not give up until I get all the fees, interest, and lawyers fees back from them. This has been my home for 20 years and I will not give it up without a very good fight. I am currently working on a loan modification with another rep right now and think it will be successful. There are many loan modification options for a borrower whether it is their primary or XXXX residence. This is criminal on behalf of BOA and something needs to be done about their procedures ( if they actually have any ). Per a report on the internet each loan modification rep has over XXXX applications and get a {$500.00} bonus for every XXXX loan modifications they deny a month. Employees are the ones that reported this. Please help, thank you.
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NE)

Citi violated multiple UDAAP laws and regulations on its AA executive credit card, and its customer service refused to remedy their practices when I called and tried to get a reasonable resolution. 

First, the advertisement of a key benefit is deceptive. It advertised " Earn XXXX AAdvantage ( R ) Elite Qualifying Miles when you spend {$40000.00} in purchases each year ''. It turns out that customers do n't earn actual miles to the AA account, but just fake qualification miles toward an elite status. If I got mislead as a finance professional, a regular customer would be more likely so. 

Second, Citi makes it very difficult to cancel the card. After I put over XXXX grand on the card but got no XXXX bonus miles, I decided to cancel the card shortly after the {$450.00} annual fee was assessed. The retention specialist made it very hard to cancel the card by offering me different incentives to stay. I found it hard to say no and decided to keep the card open after his hard sell. What a mistake! 

Third, Citi is unfair in its annual fee practice. I eventually cancelled the card by sending an email because I did not want to deal with the retention tactics. But to my shock. Citi customer service told me that my cancellation did not qualify for annual fee waiver because it passed 37 days of cancellation period. So even though I were only 38 days in the XXXX year, my whole {$450.00} annual fee would not be waived or adjusted. This unfortunately has not been my experience with any other annual fee credit card products, which usually pro-rates the annual fee. Citi 's practice in this regard knowingly deviates from the industry practice and is completely unfair. When I called the XXXX time to cancel, it was within the eligible fee waiver period. But my formal cancellation fell out of it. I felt I was tricked into it without full disclosure or reminder from Citi Retention specialist. 

In sum, Citi is deceptive and misleading in its advertisement of this product, unfair in its fee policy and abusive in its retention practice and customer service. I am sure I am not the only customer having this terrible product and customer service experience. I hope CFPB can help me solve my annual fee issue with Citi, and stop this kind of unfair, deceptive and abusive practices hurting more consumers. 

If you need more information, please feel free to let me know. 

Thank you! 
XXXX XXXX
Consumer complaint received 2015-10-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

I purchased a home from CitiMortgage through XXXX XXXX XX/XX/XXXX. Unbenowst to me, the person that rysar had me working with to get a loan from citimortgage had been recently released from federal prison XX/XX/XXXX. I worked with him, one on one in XX/XX/XXXX. CitiMortgage is forcing me into foreclosure so that I can go away and not file a lawsuit against them. I have found out that the deed had not been in my name for over 8 years, there was a {$60000.00}, XX/XX/XXXX lien on the home that was just recently cleared up.
Consumer complaint received 2015-10-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (PA)

I filed numerous disputes with Central Financial Control and advised them to provide me with contracts with authentic signature than begun this alleged debt. Central Financial Control Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Central Financial Control have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Central Financial Control have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Central Financial Control have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Central Financial Control could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Central Financial Control have failed to establish any relationship between me and the purported debt, I demand that Central Financial Control discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Central Financial Control continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Central Financial Control AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Central Financial Control hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Central Financial Control at this point Central Financial Control have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA- Financed me and my mom as a co signer. 
I had the car for about a year and got into a car accident, the tow truck driver that tow my car stole my car and took it to a scrap medal place and got {$500.00} for the car. He texted me it. Santander knew what was going on because they even had to get their lawyers involved because they could n't get the car back from this tow truck driver. Now They have try to stick me with a repo for something me and my mother had nothing to do with. I am a single mom with XXXX kids and unable to get a car because of this. Santander is very unprofessional.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CT)

I have had a Brooks Brothers credit card for a number of years. They recently switched card servicers from XXXX to Citi. I was leaving for XXXX on XXXX XXXX, 2015. I called Customer Service on XXXX XXXX to find out if there are are foreign currency transaction fees associated with the account. I was informed by the gentleman on the phone that there were none. I then told him to put a notation on my account to the effect that I 'll be using the card in XXXX for the next 4 days and it is not a fraudulent use. When I came back on Tuesday, XXXX XXXX there was voicemail on my home phone telling me to call Citi customer service or my charges would be denied. I called them despite that it was close to XXXX. The saga does n't end there. Upon checking my charges I found out that they are charging me 3 % for each foreign transaction. I called Customer service and explained but they referred me to the Card member agreement that lists foreign currency fees will be accessed against the account. 

1 ) Citi never sent me an updated card member agreement and it is not available online under my account. 
2 ) Citi provided me incorrect information when I called specifically to check if there were any foreign currency fees associated with the card. That was BEFORE I used the card overseas. 
3 ) Citi continued to try and reach me at my home number despite my call BEFORE leaving overseas and that I will be using the card overseas. 

Citi has refused to refund me the foreign currency transaction fees associated with my card.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Meade & Associates, Inc. (OH)

In 2015, my partner lost his job, his sister died at the age of XXXX and a XXXX on me. In the midst of all this going on we had a few returned checks at the XXXX. They were placed with Meade and Associates in XXXX Ohio. I spoke to a lady named XXXX who said that I could pay the checks off a few at a time and she would work with me. On XXXX XXXX, 2015 I receive a call at work from XXXX a collector at Meade and Associates. He said he was turning them over to the courts of XXXX County and wanted to give me the opportunity to make them right. I said I could pay half of the balance in XXXX payments and he said no. He said that if I did not give him a debit card number to hold or debit card number he would turn them over to the court house. There website stated that they work with people. I said that I would call him back with the information on the card. I work as a XXXX and I thought, try and work it out. I called back and asked for a supervisor. I spoke to a gentleman and explained the situation. The man said " let me put you on hold and see what I can do and get approval ''. I was on hold and voice audex came on and said now being transferred. XXXX who originally called me picked up and began yelling at me and then screaming at me saying what do n't you understand etc. I ended up giving him my debit card number and said this will be my car payment plus other bills, he said ok I will turn them over to the XXXX County Prosecutors office then. I have spoken with the prosecutors office and the lady was nice, she said they do n't need to use their office to bully people. I ended up researching Meade and Associates and their are numerous complaints. I own the debt will right the wrong but do n't scream at me at work and threaten me. This XXXX has done this to other consumers and I would like to know why he is still employed there. My understanding is the Ohio Attorney General has been contacted before but nothing done. Why? Can all these consumers placed in collections be wrong? XXXX XXXX is by far collecting in a thug like mentality and it is not ok. I plan on contacting the XXXX County Prosecutors Office again in a written letter form and advise them that this individual needs to stop using their office as his own personal collection tool. Meade and Associates are located at XXXX XXXX XXXX XXXX Ohio, again if you research you will see that I am not the only one who has been screamed at threatened. They say they record the conversations but lets be real, they can record portions of what they want to be heard. All of these people that I have researched are not going to have the same story.
Consumer complaint received 2015-09-03
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (VA)

I have XXXX bank accounts with BB & T ; XXXX saving and XXXX regular or basic. My other services are BB & T checking card or ATM card, and online banking and Overdraft protection. Everything was functioning great since I opened my account in XXXX last year until one day in XXXX of this year, I was contacted in XXXX, to change my saving account type to a checking account type, based on the fact I have exceeded the withdrawals limits for a saving account per Federal regulations. I am not complaining about this fact, as it seems fair within the Federal Regulations. So, I went to the XXXX branch to resolve this matter, and was advised to change that savings account to a checking account, as not be bound by withdrawal limits. In fact, the Branch banker ( level XXXX ) said the transition will be seamless and nothing should change ( besides Yields, etc ). I signed all the new account creation paperwork and specifically asked questions on the Overdraft protection form. To my satisfaction, as to have my overdraft protected and fed from my new checking account, I signed the relative paper or form ( which I have a copy of ). Two weeks later, I started noticing that I am getting charged NSF charges for overdrafts, I thought I was protected against. To my suspicion, the bank emailed me on XXXX XXXX, almost 2 months after the account type switch/transfer. 

My complaint is that they have my signature on the alleged missing forrm/signature and that they refuse to reverse or pay me back the Non Sufficient Funds fee ( more than XXXX USD, but this number is not confirmed yet ) that I incurred because of a misplaced or allegedly missing signature or form.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several severe mistakes on my credit report for Medical Bills. 
I have not been to these Hospitals or medical facilities and I believe I have had fraudulent charges! 
The only hospital I have been seen at is in XXXX XXXX. This is the only medial report I actually claim is mine. 
I am aware that the XXXX XXXX XXXX and XXXX XXXX and responsibly mine. 
I am certainly concerned and need a prompt response regarding this situation as I have now found out why I carry such poor credit!
Consumer complaint received 2015-05-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Admin Recovery, LLC (CA)

On XXXX/XXXX/2015, at XXXX PST, I received a voice mail from XXXX XXXX with Admin Recovery at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in XXXX. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.