davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$270000.00}. The loan was evidenced by a Security Deed, naming XXXX as the " Lender, '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, after it was alleged that I had defaulted on my loan Account, was assigned to Deutsch Bank Trust Company Americas. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Deutsch Bank. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Deutsch Bank 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Deutsch Bank a Qualified Written Requests ( QWRs ) requesting that Deutsch Bank provide, inter alia, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Deutsch Bank, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Deutsch Bank to produce a verified accounting in compliance with RESPA 2605 ( e ).
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited {$6700.00} ( mostly hundreds ) into a Bank of America ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. 
Yesterday I received an electronic letter from Bank of America saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. 
I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. 
I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. 
I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Bank of America, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. 
Please help!
Consumer complaint received 2016-10-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (AZ)

My car was repossessed by Lobel Financial XXXX/XXXX/2016. I called Lobel Financial today XXXX XXXX to redeem my vehicle. I was originally told by XXXX in the Reposession department the payment I paid to Lobel financial on XXXX XXXX was never received. I advised Lobel Financial my fianc paid the bills and gave permission for her to speak on my behalf. I was advised I could only speak regarding the vehicle. I advised my fianc dropped the payment off my money order to the Lobel XXXX office. She then told me the payment was never made. My fianc called in and provided the money order numbers and the payment then magically reappeared after my car was taken. I called in to ask what I needed to do today to redeem my vehicle. I was told I needed to pay {$1200.00} by certified funds and the payment would take 15 mins to post and then I would need to contact the tow yard to find out fees and then I could redeem the vehicle. I was giving the run around by Lobel and the finance company for about an hour. I finally was given the location to my vehicle. I arrived at the tow yard " XXXX '' where I was advised I need to pay {$250.00} for storage fees. XXXX is a home/office/tow yard. I paid {$250.00} to " XXXX '' who asked me to sign a paper that was my " receipt ''. I paid the money was walking towards my car with my alarm remote. My alarm remote would not open the car. I was them told my battery was dead. XXXX called her husband who put cables on my car and left it on for about 30 mins and the car still would not charge. I advised XXXX moments after seeing my car that my in dash system was gone. I asked my amp was gone. I advised my wires to my amp and in dash were missing. I was told by XXXX that she had insurance and would file a claim for my property. Her husndand advised me they had issues with their driver who now is in jail for theft. I called Lobel Financial spoke to XXXX at the headquarters and I was advised XXXX was not responsible for my property or the vehicle and I signed a paper stating the property and car had no issues. I called XXXX Police showed them pictures of my property in the car and filed a police report. I went back to Lobel XXXX location advised of the car and my property and was told I needed to speak to " Headquarters ''. I asked for my money back and the gentleman who took my payment offered to return the payment. A lady them storms out her office and says I 'm sorry we ca n't return the payment you need to speak to headquarters. I called Lobel Headquarters spoke to XXXX who was more concerned about my fianc being with me to pick up the vehicle than my issue. I asked to speak to a supervisor multiple times and was advised she would call back. I never got a call back from a supervisor and my issue still is n't resolved
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-10-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This feels completely wrong and I do not consent to USAA sharing any of my information at all. The sharing of any of my accounts as a direct and proximate result of you, USAA, Furthermore, this warning is a rejection of the modification presently and unilaterally proposed by you, and any action by you to close my account due to my rejection of the terms herein proposed will be responded to by me with a class action lawsuit for XXXX XXXX of Contract, violation XXXX, etc. Thanks Please communicate by mail only, do not call.
Consumer complaint received 2016-10-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (TX)

In XX/XX/XXXX of this year XXXX and my husband applied for a loan. We were denied because of excess collection accounts and other credit issues. Since then my husband has been working on getting things cleared up. In XX/XX/XXXX I sent several certified letters to different medical collection agencies and all have either agreed to or removed all my old debts except Central Financial Control. They claimed I still owed this debt which was paid by my husband 's insurance and was over XXXX XXXX XXXX which is past Texas statute of limitations. Instead they sent me XXXX documents from my recorded and my son 's record along with my XXXX daughter 's record with the procedures and charges for them. My husband has works as a healthcare professional and informed me that this was a violation of my HIPPA rights and those of my daughter and son 's since the paperwork had hospital stickers and information on them. I did not give this company any written permission to have these records of me nor did my XXXX daughter when I asked her.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NC)

I received a notice in the mail from this debt collection company CPA on XX/XX/2012 for {$290.00}, stating the original creditor : XXXX XXXX XXXX - XXXX. It was addressed to me by name, however it lists my SSN XXXX which is not my SSN or my Fathers ( who was linked to my XXXX XXXX Bill ) in 2012 I contacted XXXX XXXX and gave them every piece of information about my account with them and the account numbers CPA listed on the collections notice. They affirmed that I do not have any outstanding account with them and had no files or information linking me to any collections agencies. I have tried reaching out to CPA via phone but I believe they have been shut down by the FTC to some degree. I am filing this complaint based off advice from other people with similar issues with CPA. I do not owe any money to XXXX XXXX. I returned my cable box and payed all balances in 2012. I even returned my friends cable box the same day I returned my cable box and closed my account
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc. (IL)

XXXX, XXXX, and LCI ( XXXX XXXX ) has violated my consumer rights by reporting a bankruptcy illegally on my consumer report. I did not directly or indirectly give neither XXXXXXXX XXXX or XXXX or XXXX permission or consent to furnish my information. According to 15 usc 1681 ( A ) ( E ), 15 usc 1681C ( A ). They are violating and breaking legislative law thats put in place to protect me, the consumer rights. The XXXX  bankruptcy court in XXXX notified me that they do not furnish personal information to any CRAS. This is my first complaint.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (PA)

I placed an order with Amazon.com on XX/XX/XXXX for approximately {$200.00}. I used my Amazon.com store card so the order was eligible for a 6 month promotion because it totaled over {$140.00}. Within the next day, I received an email from Amazon that they could not complete the order because the credit card company had denied the payment amount, and they asked me to use another credit card to fund the purchase. When I contacted Synchrony Bank, a rep named XXXX said it was denied because there was a hold on my account. She said sometimes this happens when a large order has been placed. I explained that this has never happened before and I routinely place orders with Amazon that are over {$200.00}, and sometimes over {$600.00}, as you will see that I currently have promotions for 6 months to 1 year. When I continued to question as to why there was a hold on my account, she asked me to wait while she removed the hold. She came back to the line and said not to worry, as she 'd removed the hold, but she either could not or would not provide definitive explanation as to the reason there was a hold on the account.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ID)

I have a monthly payment agreement with social security, not a third party collection agency, to pay the full amount of their overpayment. I have been making monthly payments since XXXX of 2014. Experian shows failure to pay every month despite these payments resulting in a very low credit score. I disputed this with Experian in XXXX ( spoke with XXXX ) and provided proof of the monthly payments. I received XXXX reports XXXX XXXX stating Experian is not able to make changes to my credit report until they contact Social Security. I called Experian today and spoke with XXXX again. She said that social security responded to their dispute inquiries on XXXX XXXX, told them my most recent payment was XXXX XXXX, but is still reporting that it is a collection account and that it was sent to collections for non-payment. So I called Social Security today and spoke with XXXX. She said that on their end, once it is reported is stays on her record until it is paid or for seven years, but she does not know how the credit agency reports it. She also stated it was not up to social security how it gets reported by Experian, but she would have thought it would show payments for the months I made payments. She also said I might want to try talking to someone else at Experian. I do n't understand how Experian can continue to report non-payments every month when I am making payments every month to social security directly and paying the full amount owed. This has had a huge negative affect on my credit score. I am attaching the documents I sent to Experian when I filed the initial dispute. I am also including a screen shot of my Experian report that shows when you hover over XXXX of the months it shows " failure to pay. '' This is for XXXX of the months included in the statements I provided to Experian verifying payment which I also attached.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

After review of the letter of XX/XX/XXXX in which it is stated a credit for XXXX was posted on XX/XX/XXXX statement is incorrect! This is a reversal of the debit that was on the XX/XX/XXXX statement! There were XXXX charges XX/XX/XXXX and XX/XX/XXXX and XXXX credits XX/XX/XXXX and XX/XX/XXXX they cancel each other out! No credit for the travel insurance was issued for XXXX. In addition I find it difficult to believe a person working in corporate complains does not seem to understand debit and credit! Or was this purposely done to appease CFPB and not reimburse for the trip cancellation. If management has been informed why is this being fought! Someone must understand debit and credit! Trying to pass off that credit as a credit to the account when it was a credit for the rebill XX/XX/XXXX statement does not smack of honesty on the part of Capital One! Please sent a check for XXXX and correct the finance charges because of the average daily balance.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I receivied a call from a representative from XXXX aka XXXX department last week stating that I owed them XXXX I responded to them that I had no service at XXXX XXXX XXXX XXXX XXXX NJ XXXX in XXXX 2016. 
The representative told me to pay it then dispute it. I kindly denied his request. 
Yesterday, I received a letter of collection from them.
Consumer complaint received 2017-02-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California (CA)

I REQUESTED DEBT VALIDATION WHICH WAS SENT VIA CERTIFIED MAIL REF # XXXX WHICH WAS REC 'D BY COLLECTION CONSULTANTS ON XX/XX/XXXX/17. I HAVE NOT RECIEVED ANY RESPONSE WITHIN 30 DAYS AND SENT 2ND REQUEST ADVISING THEM TO REMOVE FROM CREDIT REPORT DUE TO FAILURE TO RESPOND TO MY REQUEST FOR DEBT VALIDATION.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX, I made a computer purchase but never received the items from Macy 's. I used my Macy 's American Express Card to make the purchases. I informed the company by phone and was told they would look into the issue. I never received any mail correspondence ; and thought the matter closed. Starting the XX/XX/XXXX, I started receiving calls from Macy 's collection department demanding payment. After speaking to several representatives in the credit and collection departments, I was told several times the matter had been resolved. I even spoke to representatives at XXXX XXXX. I tried numerous times to resolve the issue. I later found out that I must have requested only online correspondence ; thus the reason I had not received any mailed correspondence. I corrected that after speaking to another Macy 's supervisor credit department representative who told me the items had been returned back to Macy 's and that I owed nothing. Again, told by this department supervisor that my account would be resolved. However, even after that call with a Macy 's department supervisor in credit department, the calls from Macy 's collection department continues. I went on line and copy a letter ( see attachment ) from XXXX XXXX XXXX which states that I owed nothing and my account had been credited for the amount of the items I purchased back in XX/XX/XXXX ; the date of the credit was XXXX/XXXX/XXXX. I was instructed by a Macy 's credit department supervisor on how to access this letter. Supervisors I 've spoken to include : XXXX XXXX and XXXX ( XXXX number XXXX ) XXXX continue to get calls from Macy 's collection department which I now ignore ; the same number phone number is used. In addition, I changed my request for information regarding my account and now have my information mailed to me. In XXXX XXXX, I receive a copy of a bill which states I owe {$150.00} which includes the original amount of {$110.00}, fees ( {$37.00} ) and interest ( {$2.00} ). ( see attachment ) I am exhausted with talking to one department and being told that the matter is no longer an issue and the non-relenting collections department who is bent on getting money from me that I do n't owe. I 'm soliciting this agency 's help in stopping the harassment and eventual detriment Macy 's collection department will assess to my credit record.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Lendmark Financial Services (NC)

I currently have a open loan with a company called Lendmark.They called everyday some time twice a day and insist I make a payment or they will take me to court. I have not answered my phone but the call my friend and his mother telling them to have me give them a call. I was behind two months and have actively been paying what I can to get catch up. XXXX. I was sitting at home with my electric out trying to come up with a way to pay it and a rep from Lendmark came to my home asking for money.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

Our mortgage was set up on automatic payment. The mortgage company made a mistake on our XX/XX/2016 automatic withdrawal. We received a notice dated XX/XX/2016 that our account was going into pre-foreclosure. We called the moment we received the notice and talked with a mortgage representative and cleared up the issue. We mad a payment over the phone to ensure the account was in good standing. They CONFIRMED on a recorded phone conversation that the issue would NOT be reported to the credit bureau. I learned today that they did in fact report it. I have a payment confirmation # and have requested that they reverse the reporting, yet they said it would take 10 days for their research to be performed. I see not reason or incentive for the mortgage company to admit that they made a mistake as it would be another black mark on their record. We have XXXX mortgages with this company have a 100 % perfect payment history other than this mistake on their end. Any support from CFPB would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC. (FL)

My mother in law received a phone call on Tuesday XXXX XXXX, 2015 at XXXX XXXX EST from phone # XXXX. A voice mail was left with the following message : " This important call is intended for [ My name here ] Social Security # ending in [ last XXXX digits of my Social Security # here ]. Uh, this is XXXX XXXX [ break in voice and partially unintelligible ] on behalf of XXXX XXXX regarding a file that was placed here in my office by my client [ break in voice and unintelligible ] productions to expedite paperwork to our necessary parties. If you can, uh, correspond as the subject relates to this matter. Now I do want you to know that I have placed a XXXX hour legal hold on the file to allow you enough time to return my call. Now, if I do n't hear from you within that XXXX hours, unfortunately you will be looking at the worst possible scenario as to relates to the closure of this matter and the final recommendation will have to be made without [ break in voice and partially unintelligible ] input. Uh, and in most cases, without your input, those decisions do not weigh in your favor. So, it would be in your best interest, uh, to return my call to XXXX. Once again, I can be reached at XXXX. Thank you. '' Their company website is found at XXXX Their contact information is given as follows : XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX Telephone : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, California XXXX Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law.