davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-23
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (CO)

I attempted to add funds to my Blurbird account this weekend. Immediately upon attempting the transaction, it stated that the account I was transferring was not mine and canceled the transaction. The funny thing is that I have owned that account for at least XXXX years, and there is no possible way that it is not owned by me. I then received an email that my Bluebird account was closed. The problem is that I not only have funds in the account, I also transferred last week funds from XXXX XXXX catcher program as well. Right now those funds are being held hostage by American Express since I 'violated ' their terms of agreement, at least according to them. I will take legal action against them if the funds are not returned. The amount of the funds is not important to me, but fairness is.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (TX)

The XXXX Apartments and their debt collection agency Rent Recovery Solutions are attempting to obtain supposed lost rent payments AFTER we were released from our rental agreement. The XXXX executed and managed a lease agreement AFTER we left and that renter was claimed to have defaulted on rent payments. The XXXX is using Rent Recovery solutions to harass us by attacking our credit and sending ongoing requests for payment as a form of extortion to get their money. To date I am able to provide numerous documents showing that we owe nothing and Rent Recovery Solutions has not provided any documentation demonstrating that they were not paid rent for the period in question.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

XX/XX/XXXX XXXX ( hereinafter XXXX ) receives XXXX debit cards and a welcome packet from USAA Savings Bank regular mail. 
XX/XX/XXXX DWH receives a pre-approved XXXX with {$20000.00} limit in regular mail. 
XX/XX/XXXX DWH recognizes that these financial products were not solicited by me and I call USAA to inform the company that I am not a customer and that I have never applied to USAA for any financial products. Moreover, in talking with XXXX at USAA I determine that a fraudster has used my name and personal information to open accounts at USAA and that I am a victim of identity theft. 
XX/XX/XXXX DWH goes to XXXX Police Department to report that I was a victim of identity theft and XXXX begins a police report. 
XX/XX/XXXX XXXX speaks with USAA employee XXXX, XXXX XXXX for USAA. Moreover, XXXX sends XXXX an email ( copy attached ) by and between this USAA employee and the XXXX Police Department stating " USAA is in agreement and has identified XXXX as a victim of identity theft, the fraudulent accounts opened in his name have all been closed and he will not be held liable for the accounts. '' XX/XX/XXXX DWH still receiving statements from a USAA secured checking account and XXXX sends a registered letter ( copy attached ) to USAA XXXX XXXX directing USAA to close any and all accounts that the fraudster opened using my identity and to stop reporting accounts on my personal credit history. 
XX/XX/XXXX XXXX begins to receive USAA credit card bills ( copies attached ) on the credit card account that USAA employee XXXX indicated XXXX years earlier " have all been closed. '' XX/XX/XXXX XXXX runs all XXXX credit reports to check for erroneous activity. Moreover, the XXXX report ( copy attached ) shows that USAA inquired XX/XX/XXXX on my personal credit without a business purpose. 
XX/XX/XXXX XXXX calls USAA and indicates that personal credit inquiries without a business purpose are illegal and that they have never had an account with me ; they had an account with a Fraudster. Moreover, I indicated that USAA is now harassing XXXX with billings, lates fee charges etc. on an account that was supposed to have been erased from my records. Finally, I indicate that if USAA does not send me in writing a statement saying that this credit card is closed and taken care of, I will file an official complaint with USAA Savings Bank 's financial regulator -- Office of the Controller of the Currency. 
XX/XX/XXXX DWH contacts XXXX at XXXX of the Controller of the Currency consumer complaint department and she directs me to file with the Consumer Financial Protection Bureau. 
XX/XX/XXXX XXXX files email complaint with Consumer Financial Protection Bureau supported by various PDF attachments that support the facts of the matter.
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

On XX/XX/XXXX, I retrieved a copy of my 3 bureau credit report and noticed that AFNI had placed a collection account on my XXXX credit report ( Account # XXXX ). I was notified through my credit monitoring subscription on XX/XX/XXXX that AFNI had inserted the account ( s ) on my XXXX  credit report. I have never did any business with this company, never heard of this company, nor have I received any correspondence ( dunning letter in particular ) from this company on the alleged debt they are stating is owed to them. I have no knowledge of who the original creditor is and no basis to justify my paying them for a debt that is alleged and not validated. 

Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI was required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. I DID NOT RECEIVE ANY NOTIFICATION FROM THEM. As such, AFNI should have provide me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherein he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. All requested documents must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete these errneous, unverifiable entries from my report and send a letter communicating such.

For AFNI to blatantly violate my consumer rights by placing these accounts on my report directly violates FDCPA.
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (AZ)

I have a santander bank account -at the time of account opening -I opted for no debit card. Now when i am logged into the account and wanted to transfer money to my account in another bank - it is not letting me do that. It is asking me to enter the debit card # and PIN. As i do n't have that - i can do nothing. When called customer service they are not helping with the reason that i need to provide " debit card # and PIN ''. other option go to the branch ... i live in XXXX AZ and there is no way i can go to their branch for that. 

another issue - there is no security in their online banking ... i am inactive on that page for more than XXXX minutes -it has n't logged me out.
Consumer complaint received 2017-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (VA)

Yes, I was divorced about 10 years ago and was forced to file bankruptcy. So due to this my citimortgage makes it incredibly difficult for me to make a payment. So while I want to stay in the house they refuse to autopay from my bank account. I call and they XXXX up take it from my savings which I am not sure how they even got that number, and then they proceed to use my mortgage payment and charge me extremely high flood insurance with no notice or bill. This then puts me behind in my payment. So I call try to pay them and they do not take my money. They now want foreclosure so I went to business lawyer trying to make payment and they refuse to take my money. They now want to charge me court fees. To me if you want your money why not take it out as auto payment. It seems all backwards. Then mis- information is given over the phone. I always pay monthly and then principal. So XXXX person told me unnecessary. It is all so unfortunate. Also, no notice that this was happening. They sent a letter dated on XXXX XXXX and I received on XXXX XXXX how does that happen?? Help me pay please. Also I was told my payment not due until the XXXX? So I am not sure if anyone really knows the due date. Also they told me to change the due date I would need to refinance. It seems it should not be to hard to make the payment date on the XXXX of every month if that is when you get paid.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

In 2001, I enrolled in XXXX in XXXX, Colorado ( later moved to XXXX, Colorado ) for the XXXX program with XXXX servicing my loan. As you may or may not be aware, XXXX is now closed due to an investigation into fraudulent practices. When it came time to repay my loan with XXXX, I did so as directed. In doing so, I noticed many times that no matter when I made the payment, the next statement would show up showing I owed late fees. I attempted to pay early so that I would n't accrue late fees and still they would show up on the following months statement. Phone calls to XXXX were not helpful, if responsive at all. 
Later, the national recession hit and I got well behind on my loan. So much so that I had a garnishment put on my wages. XXXX, through Pioneer Credit Recovery, started me on what they called a rehabilitation program in order to bring my loans current. I finished the program and believed that my loan was current and that, as ( now ) Navient explained in their correspondence, all negative effects would be removed from my credit. However, apparently the rehabilitation program only affected my Federal loans and did not rehabilitate the past due private loans. These private loans still show as delinquent on my credit report. Navient made no attempt to inform me that the rehabilitation would n't repair my entire account. 
Each month, I pay {$150.00} through automatic payment to Navient. Yet with them still showing that loans are delinquent, my balance never goes down and my credit is in major disrepair.
Consumer complaint received 2016-09-30
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

We have had a home equity account with Wells Fargo since XXXX. The 10 year period of the account is over in XXXX of XXXX. I spoke to a representative in XXXX about wanting to know what were Wells Fargo 's programs that I could possibly use to change my Home Equity account into when the 10 year period was up. I told the rep I wanted to know what all the fees and rates were. He said the only way I could get that was to sign a paper he would send me basically agreeing not to take anymore money from the home equity account. I was n't intending to take any more money from the acct so when I received the letter in the mail that clearly states " Request To Terminate Future Advances ( Home Equity Line of Credit '' and nothing else on this sheet of paper my wife and I signed it. XXXX3 weeks later we get a letter from Wells Fargo that our Home Equity Line of Credit XXXX XXXX XXXX was changed to a 15 year fixed rate mortgage at a 4.8 % rate with a monthly payment of almost {$2900.00}. We are XXXX retired and our fixed income comes no where near being able to afford this. We immediately called Wells Fargo and larged a complaint. We were told that we had agreed to a 15 year fixed rate mortgage during my conversation on the phone. I asked to hear the conversation that was supposedly recorded by them and they refused. I would never agreed to a 15 year fixed rate mortgage that I ca n't afford and the fact at the time I still had 6 months left on my Home Equity Account where I was paying {$1300.00}. Why would I agree to pay {$2900.00} rather than {$1300.00}?? 
Since that time I have had my complaint reviewed by Wells Fargo and they still insist I gave them a verbal OK to switch to a 15 Year fixed rate mortgage, WHICH I DID NOT!!!! 
I have refused to pay the new 15 year fixed rate mortgage monthly amount of {$2900.00} for the last three months, my credit rating continues to go down and no other bank will give me a loan because I am now behind on the 15 year mortgage that I was put into without my approval.
Consumer complaint received 2016-05-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (TX)

I got an ominous sounding message on my home phone on Tuesday, XXXX XXXX, and I called back 5 minutes later. The person I spoke with would not give me the address of their company initially so I could send a cease and desist letter. Eventually they gave me the address but I 'm not sure it 's correct. The person said I owed some payday loan debts but could n't provide me with a copy of the documents proving I owed any money. I have no idea who this company is or what debts they claim I owe. 5 minutes after I talked directly to someone at the company, calls were made to my mother, my sister, and my work. All XXXX of those calls were unnecessary and a violation of the FDCPA. On Wednesday, XXXX XXXX, I got another call at my work number, and Thursday, XXXX XXXX my sister was called once again. All of these are clear violations of the FDCPA.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Augusta Collection Agency, Inc. (OH)

Bill is for ambulance service in XXXX 2014. Insurance information and permission to bill insurance company was provided at time of service. In a conversation with the insurance company today ( XXXX XXXX, XXXX XXXX XXXX ) confirmed that ambulance service was covered under that policy but indicated that the ambulance company never submitted a bill ; they had one year to submit a bill according to the insurance company. The company never sent a correspondence with billing information to me at my current address at that time ; I only learned about the bill more than a year later. More specifically, I never received any information indicating that they did not submit the claim, nor did I receive a bill until after one year after it was too late to submit on my own. Today, XXXX XXXX XXXX company representative ( XXXX XXXX ) refused to provide any medical or billing information to me after I learned of the bill. She referred me to Augusta Collection Agency who 's supervisor, XXXX XXXX, refused to provide me with any information as well ; she only insisted I pay despite that this was a covered service. She further threatened me stating that this would not be removed from my credit report. XXXX XXXX XXXX was given permission to bill my insurance company but never did this. Further, they did not communicate in a timely manner that there was an outstanding bill or that any action was required on my part within one year. If there was a problem with billing my insurance, I should have been informed within one year so that I could have assisted in that process. Even at this time my information and original bill is being refused to me by both XXXX XXXX XXXX company and XXXX XXXX XXXX. This should be removed from my credit report immediately.
Consumer complaint received 2015-08-24
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BARCLAYS BANK DELAWARE (NY)

I have a credit card with Barclaycard and my interest charge varies very much from month to month. Been going through quite a few financial struggles and I am unable to pay the full card at once. I am trying to pay it a bit at a time but these interest charges make it a bit impossible. I pay at the same time of the month and the total that I owe is around {$3500.00}. Interest charges are : in XXXX : {$35.00}, in XXXX {$520.00} + {$36.00}, in XXXX {$68.00}, in XXXX {$69.00}. Even though I pay over the minimum, I continue to have {$0.00} in the account because I went over my limit with the fees. I know this is my fault for not being able to cover it but I need to go through a few more months until next year when I believe I will be able to pay it in full. Not sure what is going on with the fees.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding LLC bought my XXXX XXXX {$6000.00} credit card debt ( Acct # XXXX ) from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have requested from all the junk debt collectors in writing to stop the collections calls, provide verification of the debt, and provide ownership of the debt. I received abusive telephone harassment calls from all the junk debt collectors on this account at the same time but I did not receive the written documentation requested. They ignored my do not call letter. 

Midland Funding through their lawyer, XXXX XXXX, filed the XXXX/XXXX/2016 lawsuit # XXXX against me. It was served at all hours of the day even at XXXX. The process server even contacted my neighbor and illegally disclosed the debt. 

Even after my filing bankruptcy on XXXX/XXXX/2016 Midland Funding has not closed the lawsuit against me. The court had to dismiss the lawsuit on due to Lack of Service. Midland Funding misuses the legal system with lawsuits that they fail to support and only as an harassment tool to deceive and defraud the debtor.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery services continues to update false information on my credit reports. They keep reporting XXXX account as open collections. The accounts were well pas The SOL when they were purchased by them.the credit reporting agencies have removed them before only to rotate them to another reporting agency. I am sick of it The accounts in question are a very old XXXX Credit Card with a balance of {$900.00}. The other is a XXXX account/ XXXX. They are reporting a balance of {$1100.00} These account have been rotated around on each credit report.. These account were closed and sol between XX/XX/XXXX and XX/XX/XXXX. So why are they allowed to change dates and place thes on my credit reports as open accounts. I do not now nor have I ever had any dealings with this company. They should pay for every violation of my FDCPA and FCRA. Can you please get me some real answers.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I sent a letter to have LVNV Funding LLC to have them Verify my debt In XXXX XXXX XXXX with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. Also, LVNV funding LLC is not licensed to collect debt in the State of XXXX.
Consumer complaint received 2016-05-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My family was faced with both a health and a financial crisis in XX/XX/XXXX. The HAMP program was announced we qualified so we applied through the debit collector OCWEN. Inadvertently we painted a huge bull's-eye on our backs by helping OCWEN identify a property with plenty of equity and owners in distress. We were forced, with threat of IMMEDIATE FORECLOSURE, to signed an illegal loan modification that turned our Home Equity Line of Credit without escrow ( remember no ESCROW ) into a loan with a balloon payment and an escrow requirement. 
Six months later ( sound familiar? ) my payment went through the roof. Ocwen, the debit collector, claims to have miscalculated escrow. 
We have an illegal mod according to Texas law and we ca n't get an attorney to following through. Fact is the first attorney pawned us of on the second attorney without telling us. The second attorney had some kind of breakdown and as far as I know has not been heard from since. I found out and went back to the first attorney who we subsequently fired. By the time we found the third firm the laws in Texas were changed to allow balloon payments on Home Equity Lines of Credit. We did go to court, or rather the firm went to court, we were asked specifically not to attend the hearing. I have attached the letter from the firm that states " As you are aware, the litigation against you has been dismissed and our services are complete. '' We think we have stopped the foreclosure but we have not. There should have been an appeal filed within 30 days of this decision but it was not. The firm basically quit before it was over. 
In XXXX XXXX Ocwen, the debit collector, along with the firm of XXXX XXXX XXXX XXXX XXXX ( operates like XXXX XXXX XXXX ) files for foreclosure with the same tainted documents and signatures as the last time and that is o.k. with the courts in Texas. We hire yet another firm. We have a certified audit that shows over {$20000.00} of our money was never credited to our account. Crazy fees were charged that were never disclosed. We have real evidence of the attempted theft of our home but Texas courts say none of this matters. Ocwen, the debit collector, has all the leverage so their partners in crime the aforementioned XXXX XXXX XXXX have served up another XXXX complete with an escrow requirement. In this XXXX it is spelled out that at anytime Ocwen, the debit collector, can and should be expected to jack around with the escrow account. So in six months time we will be right back where we started in XX/XX/XXXX. We are going to ask that the escrow be eliminated as we have always paid our own taxes and insurance. Our request will be denied because escrow is where the fun is at for these leeches.