davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

I had applied for a loan from Big Picture Loans in the amount of {$600.00}. I was told there would be a finance charge of {$150.00}, which was n't an issue since I was expecting some sort of interest charge to be accrued for borrowing money. I agreed to the finance charge and the loan was processed. After processing the loan, I was provided with the Loan Agreement, where I noticed in the Truth-In-Lending Disclosures there would be additional finances charges for the remainder of the loan in the amount of {$2600.00} ( which was broken down over XXXX payments ), totaling the loan to be {$3200.00} -- this is not what I was expecting when asking to borrow such a small dollar amount and if I were made aware of these fees before the loan was processed, I would have never processed the loan. But unfortunately for me, the loan was processed first, and then the loan documents were available for me to view AFTER everything had been finalized. This is beyond ILLEGAL, and I will proceed with further action.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

XX/XX/XXXX we received a mortgage modification through the federal making homes affordable act. Later that year we had to file chapter XXXX. Because we were in bankruptcy our mortgage company stopped sending us statements. We continued to pay the amount specified in the modification and everything seemed fine. 

XX/XX/XXXX I logged into the banks website and the payment due had doubled. We had no idea why so we contacted them. Their help was minimal only saying there was an escrow shortage. We demanded an accounting of the account and a month later we received it. 

The document showed that XX/XX/XXXX some {$2400.00} had been pulled from our escrow account marked as 'POS escrow shortage '. When we contacted them to ask what that was for they could n't give us an explanation. 

It should be noted that XX/XX/XXXX we converted our chapter XXXX to a chapter XXXX. 

From XX/XX/XXXX until now we have continued to pay the modification payment while attempting to get an explanation for this missing money. They continued to demand double payments and continually put the payments we sent in into 'suspense ' all while demanding this extra money. 
XX/XX/XXXX their attorney filed a motion with the bankruptcy court to allow them to file for foreclosure due to us supposedly being late. When our bankruptcy lawyer sent a letter to their attorney demanding a accounting of the missing money they got nothing. Their attorney eventually tried to get the motion he had filed dismissed stating to my attorney that the bank had ignored his request for information about the missing money. 

My attorney brought this up with the judge today but the judge stated he would n't rule on it since the bankruptcy was going to be finalized within a week. He told my attorney he could bring this up in a state court ( during another foreclosure case ). 

So now we are stuck and within the next two weeks the mortgage company will be able to file for foreclosure even though they outright refuse to tell us where this money went. I have done an escrow sheet without the {$2400.00} removed and there is literally no shortage whatsoever. 
We have almost no means to fight this and especially since the mortgage company refuses any and all requests to account for the missing {$2400.00}
Consumer complaint received 2016-07-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX is reporting me 30 days late for XXXX XXXX. This information is inaccurate as I have never made a late payment since acquiring the loan in XXXX XXXX. My bank records show that payments were drafted twice in XXXX XXXX. Additionally, I made an online payment on XXXX XXXX, XXXX. Two payments were drafted on my account in XXXX XXXX. I called Wells Fargo Dealer services and they are only reflecting payment drafts on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This information is inaccurate and my account should reflect current and one month ahead.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Coastal Financial Solutions, LLC (TN)

I received a call from the number ( XXXX ) XXXX on Tuesday, XXXX XXXX on my cell phone. Because I was at work I did not answer. A XXXX XXXX left a voicemail telling me that they had a legal matter pending against me that I may not be aware of. He said he was with the office of Coastal Financial Solutions. He said that it was important for me to get back with him or if I have an attorney I could pass his number on to him/her ; however, he would prefer to speak to me. This was at XXXX. I left to do an errand maybe 10 minutes later, and while I was gone, he called my place of employment telling them it was urgent I call back. My employer does not like for people like that to contact our place of business, and I need my job. After I left work for the day, around XXXX, I called the number back to see what all of this was about. No one answered so I left a voicemail asking them to not call my place of employment again. He called back today, Thursday, on my cell phone. He left another voicemail telling me to call him back immediately and to do so before XXXX. because he was going to the courthouse. I have googled this number, and everything about it has referred me to this site. I was under the impression that you were to receive any pending debt collection through mail, not harassing phone calls. I do not know what this is about, but I would like it to stop.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo has again withdrawn money from our checking account even though their authority to do so was discontinued on XXXX XXXX, 2016. We realized that the company can not be trusted to have the authority to auto debit our bank account after they repeatedly withdrew more money than they were entitled to. Yesterday, XXXX XXXX, Wells Fargo drained our checking account of {$1200.00}. We did not owe them this money and they did not have the authority to take it. Since we have other bills we need to pay, we called Wells Fargo customer service immediately, who verified that Wells Fargo told us they would eliminate auto-debiting our account on XXXX XXXX. We then explained that we need the money to pay our other bills, the customer service rep explained that, although he was very sorry we were put into this position, there was nothing he could do except request that the money be returned, which would be in XXXX 10 business days. In many past incidents with Wells Fargo, we know that they do not get things done in XXXX to 10 business days. Meanwhile, how do we pay our other bills? 
Is this in retaliation to our XXXX former complaints to CFPB about Wells Fargo, which still have not been responded too? When does a bank 's mismanagement of customer 's money become criminal? Wells Fargo is clearly profiting by taking money they are not owed and holding on to it while the customer suffers.
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Nelson Cruz & Associates LLC (OH)

Nelson Cruz and Associates called to collect a debt discharged in bankruptcy over 10 years ago. Accused me of fraud due to " cross collaterilization '', threatened to " flag '' my car ( whatever that means ) and overinflated the amount of the original debt. Told me that the debt was not covered under my bankruptcy, which it clearly was, and regardless of that, the statute of limitations would certainly apply. Their tactics are scummy and unethical.
Consumer complaint received 2016-09-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (PA)

Suntrust allowed a person to complete loan documents and sign a second mortgage against my property and remove {$300000.00} without my consent, knowledge or any authorization to do so. This person along with Suntrust attempted to cover up this deal by attempted to transfer my property solely into the name of the person who signed the loan/mortgage. The mortgage is in the persons name and the Deed is solely in my name. Suntrust refuses to release the loan documents to me after repeated attempts because the loan transaction was complete before the person attempted to transfer the property into his name. The Loan documents were not signed by the deeded owner. They also refuse to release the notes or conversations relating to the business regarding my home. Because I NEVER spoke with them nor solicited their business at any point.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$300.00} for the puppy. Later on they asked for {$50.00} to help with gas to meet me halfway. Another {$150.00} for half of the vet bill and another {$100.00} for the delivery service. I was only able to come up with {$65.00} of the delivery fee. When I said it was too much and I wanted the money back they refused and said it had been used already. I never received any documentation of the usages. The delivery company emailed me and stated they needed another {$500.00} for insurance, I didnt send anything. I asked for a phone number to reach the company and when answered the person didnt even know what name to use.
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

On XXXX XXXX 2016, I opened a Citigold checking account with the promotion code XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
Requirements were completed on XXXX/XXXX/2016. To note that this date was confirmed by phone by a Customer Care Representative which did not inform me of any technical difficulty and assured me I would have received my miles within 90 days. No other kind of communication was received from Citi regarding any kind of delay or technical issue, therefore I assumed that the miles would have been credited within the stated 90 days. On XXXX/XXXX/2016 the 90 days had passed although the miles were not credited yet. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. ". 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember, I am over XXXX years of age, and I had never held a consumer checking account with Citibank before.
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NCB Management Services Inc. (FL)

XXXX XXXX with NCB management has called my place of employment where these calls are not allowed three times so far this month of XXXX 2016! He has been told repeatedly I can not take calls even repeating back that I said that three times already but continued to call me again today! He and his company are violating my rights and making my work stressful please do something about this! His number is XXXX XXXX XXXX XXXX ext XXXX thanks XXXX XXXX
Consumer complaint received 2023-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IA)

I paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in 1 day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2016-07-14
Product: Debt collection — Auto
Issue: False statements or representation — Indicated committed crime not paying
Company: Northstar Location Services, LLC (TX)

I called XXXX at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to XXXX That makes it very misleading by XXXX to transfer me like that and by XXXX XXXX Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TN)

Original account was purchased by Pinnacle Credit Services LLC and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. Pinnacle closed there doors and was purchased by another company named XXXX XXXX XXXX located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened in XXXX of XXXX and the original delinquency was in XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (TX)

I DO NOT KNOW WHO : CENTRAL CREDIT SERVICE ACCT XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX I CALLD BUT SOME MALE FROM SOME XXXX PICKED UP TRYING TO ASK FOR MY PERSONAL INFO. 

THIS IS A HUGE SCAM!!!!!!!!
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have tried to get the escrow account for property taxes and insurance closed since XXXX, beginning with verbal requests of XXXX Bank. As shown in the attached correspondence, the Bank has agreed in principle to close the account and remit the balance to me with my agreement to pay all future taxes and insurance. However, they stipulate that I must pay them a fee. It is my position that I do not owe them any fee to get my own money returned to my control. The documents attached show that Citizen 's contends that I benefitted monetarily by agreeing to the escrow account. However, they can provide no documentation to prove that claim, nor do they have any document showing my recognition of such a claim.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (WA)

So I got an email saying " Prime Day Offer : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card Full terms and conditions : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card : This is a limited-time offer while supplies last. Offer limited to XXXX per customer and account. Offer is combinable with other Prime Day offers. This offer is available to Amazon.com Rewards Visa Card members only. 

Get {$30.00} off an Amazon.com purchase of {$150.00} or more by selecting your Amazon.com Rewards Visa Card as your payment method and entering the promotion code XXXX at checkout. Promotion code commences at XXXX. ( PT ) XXXX XXXX, 2016, and expires at XXXX. ( PT ) XXXX XXXX, 2016. 

Offer applies only to products shipped and sold by Amazon.com. Products sold by other merchants or third parties do not qualify for this promotion. If Amazon.com is not the seller this will be noted on the product detail page. Offer applies only to the purchase of eligible items made with the Amazon.com Rewards Visa Card. The maximum benefit you may receive from this offer is {$30.00}. Offer does not apply to digital content. Items must be purchased in a single order and shipped at the same speed to a single address. This promotion is available only to customers located in, and with billing addresses in, the United States. Offer discount will be allocated proportionally among all promotional items in your order. Shipping charges may apply to discounted and free promotional items. Taxes, shipping and handling, and gift wrap do not apply when determining minimum purchase amount. This promotion can not be applied to orders already placed within Amazon.com. Offer is non-transferable and non-exchangeable and may not be resold. If any of the product or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies. Promotional codes ( including those placed directly in accounts ) may not be redeemed for Amazon.com Gift Cards unless an Amazon.com Gift Card is the stated benefit of the promotion. Amazon reserves the right to modify or cancel the offer at any time. Void where prohibited. If you violate any of these terms, the offer will be invalid. Chase is not responsible for provision of or failure to provide the stated benefits and services. '' I go and try to use it around noon my time on XXXX XXXX. Code does not work says invalid. I call chase and they tell me oh it expired yesterday. I got esced to a Sup at chase to be told no it expired that day prior to XXXX ( PT ) on XXXX XXXX. 

I currently have XXXX chase cards and a bank account with chase. I am about to close them all there is no REASON for them to send out a promo to someone and when you try to use it nope sorry ca n't use it it expired. This seems to be some sort of manipulation done by chase trying to trick thier card holders