davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (PA)

For 3 years Allied Interstate has been calling for an unknown person to me, XXXX XXXX, and will not stop with the calls no matter how many times they have been told to remove our phone number. Speaking to a supervisor does not help either. I am told they are sorry and will stopand then the calls happen again and again every day, several times a day, morning or night. They are making our lives a living hell even with a answering machine.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

My loan was sold/transferred to a different servicer and now every year there is a increasing amount of shortage in my escrow. For the pas 2 years it was short {$1700.00} plus the first year and now they are telling my it 's short {$2600.00}. I every month, i have inquired several times about tis and have been brushed off, hung up on, and told that they could not provide the information I am requestion. My principal is only gettitng {$94.00} dollars paid towards it and almost {$400.00} toward interest. How is thios possible, when will i every pay off this note?
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

My mortgage company offers an online payment option at a cost of {$12.00} per transaction, I have used it twice and have had the same result. The first time I tried several times to get a resolution directly through the mortgage company, they continued to charge me late fees and actually initiated foreclosure proceedings when in fact they had received my payment but did not credit my account. Unfortunately it as happened again, This time I do n't want to waste my time and energy going to the mortgage company because 1 ) they are offering a payment option and when used they do not credit your account and charge you late fees, 2 ) The frustration of dealing with multiple customer service agents, 3 ) the time and effort to correct a problem that is a result of their error. 
I have received a statement dated XXXX/XXXX/2016 that my account is 46 days delinquent and that I am in danger of foreclosure ; I have made the following payments {$1500.00} on XXXX, {$1400.00} on XXXX, and {$1500.00} on XXXX. The last payment was made via XXXX XXXX XXXX from their website. I received confirmation from the company of the {$1500.00} payment for XXXX ( Includes the {$12.00} fee ). What I do n't understand is they are now claiming that I have not made payments and they continue to rack up late fees. I would appreciate if they would review their own records, they are showing non payment for XXXX and XXXX which have been paid. I would also like them to review and reverse the late charges from this current episode and from the previous episode where I was charged late fees and attorneys fees for a payment made through their authorized provider for which they belatedly applied the payment in the previous incident and for which they have not yet applied the payment for the funds received on XXXX/XXXX/16. Additionally, if they are not able to complete the transaction with the current provider they have on their website, why do they continue to use said provider? Thanks.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (AL)

I received a title loan from Title Max over a year ago. I regret this choice, as I can not afford to pay more than the monthly finance charge, which is 10.99 %. I have made my payments as required every month, with a few late payments only, and no more than a week late at the most. I am stuck in this endless cycle of debt, with no way out it seems. My complaint is, my last payment due date was on XXXX/XXXX/2015, which was a Saturday. I had the amount I owed, but due to transportation issues, was unable to make it to the office that day to pay ( no one can go for me, unless granted power of attorney ). They are closed on Sundays every week, and this particular week was XXXX XXXX, therefore they were closed XXXX/XXXX/2015, and XXXX/XXXX/2015. I called to let them know on the next business day, I would be there with my payment, and one days late fee. I spoke to XXXX XXXX, and she said, I had to pay for late charges for the 2 days they were closed, in which it was physically impossible to make a payment. This set me back another day, because I did not have enough to pay these unexpected days. I borrowed the money from a reluctant friend, and paid on XXXX/XXXX/2015. This cost me an extra {$43.00} on top of my minimum payment amount of {$320.00}. This woman talked to me like trash and hung up in my face when I called to let her know I was on my way to pay. I am appalled at her mistreatment of a paying consumer, who has never missed a monthly payment. The company makes their rules as they please, because there have been times in the past that I was not charged for a Sunday, or a particular holiday in which they were closed. I am in a financial rut, but manage to keep up these payments, as I can not lose my vehicle. Is this legal and the way the woman treated me was terrible business practice, and being a manager of this particular Title Max location, she should know better.
Consumer complaint received 2015-09-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Greeneville Collection Service, Inc. (TN)

My problem actually involves XXXX separate issues with the debt collector, Greeneville Collection Service Inc., in XXXX, TN. 1 ) they contacted my employer, 2 ) the caller who identified herself as XXXX XXXX falsely represented herself to my supervisor, acting as though she was personally acquainted with me claiming she had not 'spoken ' to me in awhile, and inquired as to my employment there 3 ) the agency is trying to force me to pay a medical debt from XX/XX/XXXX that I have already paid off in full, through a lawyers office, XX/XX/XXXX. 

It was only AFTER I paid off the medical debt through the lawyers office, that this collection agency began contacting me saying that I owe them money for a medical bill from the same hospital, same date of service ( XX/XX/XXXX ) and same exact dollar amount. They claim that the money I owe them, is for separate hospital charges. However the documentation that I have proves otherwise. 

It is my belief, that this is a fraudulent attempt on behalf of the collection agency to collect money from me, that I do not owe. The dead give-away of their attempts to fraud me is the fact that this collection agency, NOT ONE TIME, ever tried to contact me prior to XX/XX/XXXX regarding the medical debt in question. The fact that they waited until after I paid the same medical debt off XX/XX/XXXX is what makes me highly suspicious of their motive. This agency is well known for doing this!!!
Consumer complaint received 2015-06-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I had a medical bill that was owed from XXXX 2009 for {$540.00} to XXXX HospitalXXXX @ XXXX XXXX XXXX, XXXX XXXX TX XXXX ph # XXXX acct # XXXX. The collection agency Commonwealth Financial systems Inc ph # XXXX sent me collection letter on this. I pulled my credit to see that they had the same amt XXXX on my report. I called XXXX Hospital/ XXXX XXXX Services and the bill was due which i moved and did not get the bill. I settled the acct on XXXX for {$160.00} and paid it and told the rep that the XXXX acct they had was a dup acct and they were supposed to contact client on matter which has not been done. I called the client to find that they do not know who Commonwealth Financial systems Inc is. The client said they work with XXXX XXXX XXXX ( collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ph : XXXX and they also have the account and balance and they do not know who Commonwealth Financial systems Inc is. I called Commonwealth Financial systems Inc and spoke to the collection manager XXXX XXXX XXXX on XXXX and told her all of this and she stated that they will not call the client and that I needed to resolve this even if they have the wrong details and will not contact the client to resolve. Therefore I consider this FRAUD and they have been paid nd I have a letter from them showing it was settled for {$160.00}. I need your help in resolving this matter due to they are reporting on my credit.
Consumer complaint received 2016-01-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Since XXXX 2015, I have been suffering financial hardship resulting from a severe medical condition. Because I have a past due balance on a closed credit card account with USAA Federal Saving Bank ( FSB ), USAA FSB has restricted access to all my accounts ( i.e., banking, credit card, and insurance ) online. I have not been able to get any of my statements electronically since XXXX 2015. Neither can I make any payments. Despite this, USAA FSB continues to send me email notifications that my account statements are available online and does not mail me any statements. When I called USAA FSB to request my deposit account statements, I was told I would have to pay a fee of {$10.00} for each statement. The representative agreed to mail the XXXX 2015 bank statements for my XXXX deposit accounts and waived the fee, but told me I would have to call back Monday for the XXXX statements. 

How am I supposed to monitor my bank account activity or know how much I owe or even determine how much I might be able to pay USAA FSB if I do not receive my statements? I am attaching a copy of emails, along with screenshots of my attempts to log in to get the account statements.
Consumer complaint received 2015-06-02
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (NM)

During a financial emergency I sought a fast pay day loan online and received XXXX through a XXXX recommended partner called Speedy Cash. Tried to make on time payments and pay the loan off multiple times by online payment and contacting them by phone. The website and the employees on the phone would inform me, every single time, that my card was declining. I called my bank they said there was enough money in my account, everything looked good on their end and that the card should not be declining. I continuously acquired the enormous interest fees even though I was actively trying to make payments. My balance kept rising, and they took payments out of my account at random times but they would only take the minimum amount so I would keep acquiring large interest fees. It was a long struggle to pay them off and to get them to stop taking payments whenever they wanted. I finally gave up and opened a new bank account. This loan will now likely reflect a negative credit record. It seemed very odd to me and I have determined that it might be a scam.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CT)

I had a bad experience at a resort and asked American Express to assist me with a dispute. They initially helped but where the situation got stuck was the representative who was assisting me was out of the office for extended period of times and would not return my emails or phone calls. I finally reached her XX/XX/XXXX and she told me she would contact the manager of the resort and get back to me. As of XX/XX/XXXX, I still do not have a return call or an answer to my numerous emails. I finally wrote to the Chairman of American Express and I received a very disturbing letter in return stating, " They did everything they could and they will no longer correspond with me over the issue, and the manager of the resort will not return their calls. '' I have been a customer for over 30 years with American Express and it is a complete disregard for my loyalty that they let this manager, who is so unresponsive, get his wishes and I get stuck with the entire bill. American Express Executive customer service is a joke!
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (VA)

The credit card company pricelinereward visa card issued a check in error on XXXX XXXX, XXXX for {$4800.00}, despite the account was closed on XXXX XXXX, XXXX. I called the company regarding the check and I was told this was a reward check and that I can deposit in into my account. They did n't give any other explanation of why I was receiving the check besides that it was my money so I deposited the check. On XXXX XXXX XXXX, I recieved a letter stating that the check was issued in error to my account and that I owe them {$4900.00} including interest of {$140.00}. So they are asking me to pay {$140.00} in interest. They waited 8 months from XXXX XXXX, XXXX, when they posted the check in my account, to inform me that they credited my account in error. I have already paid their {$4800.00} back and they insist that I still owe them {$140.00} for interest. To me this seems fradulent since they said it was my money and that I could deposit the check and they also waited 8 months to send me a letter stating it was an error on their part. I never recieved any statements prior to the one I recieved in XXXX XXXX stating that there was an outstanding balance in my closed account. Now they are insisting I pay interest on a {$4800.00} check and I refuse to pay the interest. Please help resolve this issue. Thank you.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( nationstar ) old outdated information from over 10 years ago I have not received one update or letter or email from them
Consumer complaint received 2016-02-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (WI)

Dynamic Recovery says I owe XXXX XXXX XXXX Hospital {$760.00} dollar for a medical bill. I called XXXX the Collections agaent at XXXX XXXX XXXX Hospital and I do not owe them any money, and she stated they have never used Dynamic Recovery to collect a past owed debt. Further research online on the XXXX website flags them as a fraud company.
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I have been trying to dispute a debt that is not mine with XXXX, XXXX ( XXXX XXXX RENTAL ) for the past 3 years. This entity has been using deceptive debt collection practices to collect on a debt that they have not proven to belong to I, XXXX XXXX XXXX. At the same time, the CRA 's have not honored my request to remove tradeline off my reports and the furnisher of the information to verify the debt. I had to file a complaint with my local XXXX and XXXX XXXX did not respond. I made a debt collection complaint to the CFPB and the company is not registered, so they can not respond. This is a last ditch effort for the CRA 's to comply with the FCRA.
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (TX)

My name is XXXX XXXX. My account number with Pinnacle Credit services shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from XXXX XXXX regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

Pinnacle Credit Services, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called Pinnacle Credit Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself XXXX times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email Pinnacle Credit Services and request the phone recording from XXXX XXXX, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (WI)

I cancelled my service after having them a year due to the lack of service of cable always going in and out. I called there customer service department and they really did not care requested a box and sent the cable box and control back and they are still saying i owe them like XXXX. That is not true and they are ruining my credit. I have called them and they do not even get a response from them. i have as well submitted a letter and they have not even sent me a letter to acknowledge that i wrote them,
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done.
Consumer complaint received 2016-01-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

My father has a home equity line of credit ( mortgage ) with Chase Bank. He was XXXX years old when he got 30 year mortgage on his home with interest only payments for 10 years, then after 10 years the monthly payment tripled when this man, who is XXXX now, and ca n't afford to pay, but they gave him the loan based on that he could pay for the first 10 years. They are happy to foreclose as they have already gotten {$50000.00} in interest and they can sell the house and get more than he owes. They will not do a loan modification, refused to accept XXXX from XXXX, which could help a lot!, but they speak very patronizingly on the phone in a fake sweet voice like they really want to help. They only want to help themselves. They sent me to the FHH program, then refuse to take the money offered. He can not borrow any longer on this line of credit- the available credit is " XXXX '' clearly on every statement.
Consumer complaint received 2015-04-19
Product: Prepaid card — ID prepaid card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX/XXXX/15 purchased an American Express Bluebird debit card at XXXX, XXXX CA loaded it $ XXXX called to cancel card, requested a XXXX card was finally processed and mailed ( that is what I as told ) XXXX contacted XXXX several times to find out where my check for r efund was. 
I suggested that the financial institute who issued the check be notified and get status from them. 
Called back XXXX/XXXX/15 check was returned ( they had sent to my physical address, I live in rural area we pick up mail at XXXX XXXX XXXX 
XXXX refused to understand this. Spoke to XXXX who assured me they would sent to my XXXX due to the situation. She told me the check should go out within the new few days. I waited until XXXX/XXXX/15 sill no check, was XXXX around, left on hold for over 1 hr or more. Found out that the XXXX check mailed out as XXXX again mailed to my physical address. Why would you remail to an address that was not acceptable AGAIN, even after assuring me it would not be. I even offered another solution but was turned down. This is unacceptable, it was negligence, fraud, false advertising, deceit. The insert clearly states 10days to receive a refund. I am expected to wait another month? I have suffered XXXX stress due to incompetence of this company. I experienced financial loss, and personal loss as well.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

my name is XXXX XXXX, my business address is XXXX, florida XXXX, I have an XXXX, on XXXX XXXX, I open a commercial account on bank of America, a week later they close the account with a positive balance of XXXX $ with ought any explanation and refer my account to a risk department, when I call to the phone number that they give me XXXX, they talk me that they will sent me a check with my money, I never receive any check, when I call in several occasion they said that the check was return to them, I was very surprise because I am in the same location for more than XXXX years, so on XXXX XXXX they said to me that they will recent the check to my house, XXXX florida XXXX, again I do n't have nothing in my mail. The only I receive is a bank statement with a XXXX $ balance and withdraw from bank of America of the remainder balance of {$2000.00},. the time past and past today is XXXX XXXX 2015. also I went to XXXX of the location of bank America, and XXXX of the employee, that call the risk department on XXXX XXXX, that now I have to wait XXXX months, and if I like or not I have to wait. I ca n't believe that even do a bank can close an account with out any notification they cant take my money that was money for the salary of our employees, I need my money as soon as possible and really I hope that you can help me with this issue.
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

There is no way you can speak to someone when you call OCWEN. Their offices are overseas in XXXX and you can not understand them. My payment has to be in by the XXXX of each month. I mail the check each month now because they could not get the electronic payment done right either. They, this month XXXX 2015, want to charge me a fee of {$40.00} for their inability to process my paper check. When a check is received by mail, and of course with the US mail so messed up who can say when they will receive your payment.. I mailed my payment on the XXXX of XXXX they received and posted it on the XXXX, the check was to be deposited on the XXXX.AS IT WAS DATED so when it went through my bank 2 days early my SS check was not in yet and OCWEN charged me {$40.00} b/c their people do not know what they are doing!! and it was returned for non sufficient funds by my bank. I used to pay online and then they wanted to charge a {$10.00} fee for that as well. When you are on a set income it is hard to survive in this dog eat dog world. I have never missed a payment or been late with anything UNTIL OCWEN. Someone needs to go in and close their doors or maybe bring them back to the XXXX to be serviced.