davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. BANCORP (WA)

Received a phone call from a XXXX XXXX demanding me to pay a US Bank account over drafted back XX/XX/2003. She threatened to have a sheriff come to my work and serve me papers, now they have called my head boss at admin and told her that they want to serve me papers. I have spoke with our local sheriff who advice me to get in contact with you about what is happening. The contact number they have told me to call are the following : XXXX. Their address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I want them to stop calling me ... this is very scary!
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

I 've had an account for over 20 years with good payment history. But the CC company wo n't report me to the agencies. We experienced fraud on our account in 2006 and as such they stopped reporting us. They claim that since 7 years has elapsed they can not report me to the agencies despite continued good payment history and being a customer in good standing.
Consumer complaint received 2015-11-25
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (MN)

I have sent NUMEROUS complaints about the same company : J.C. Christiansen associates over the past few years. 
They constantly call my number they do not display who is calling on the caller ID. It shows " Not in Use ''. 
They repeatedly called me every day m-saturday starting at XXXX till after XXXX. several times a day up to 5 times. 
I have told them not to call me several times and asked for everything to be sent in writing. I have spoken to several people XXXX, XXXX XXXX and a few I forgot. No one seems to take heed to my requests. I have also complained to my Atty generals office in the past and they stopped for a while. Please shut yhis place down.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (WV)

Sears XXXX XXXX XXXX XXXX keeps advertising Appliance Discounts as much as XXXX or 40-50 % off if you use " THE CARD '' It does not say SEARS Credit Card, it simply says " The Card ''. Sears also has a Save with Sears points card that we have. Purchases at Sears or XXXX count and add up over time to spendable currency. We went to our XXXX Sears XXXX here in XXXX, West Virginia. Immediately I asked if I could use my discount card and the awnser was NO. We had to have a Sears Credit Card. We applied and were DENIED. I am XXXX and bring home a little over XXXX a year, my Husband is a XXXX XXXX for the XXXX he brings home a little over XXXX after 21 years. We did have a Bankruptcy, brought on when I became XXXX. My company terminated me. I went from XXXX to 2 years later a little over XXXX. 

Here is my Complaint : " IS IT NOT DECEPTIVE to simply keep saying " WITH USE OF THE CARD '' which could be your points card, a Visa, MasterCard Etc, but repeatedly with every item, it states " with use of the CARD ''. No where does it define " The Card '' as a " Sears Revolving Credit Card ''. We get these hand bills over and over and over and over its the same language. 

I ask that you site them for DECEPTIVE and False Advertising as they should be saying with the " USE OF A SEARS Credit Card Only ''. Its humiliating to apply in a public place, declined and told well sorry thats the only way you can get it for that price. 

The Public should be informed and provided with directions on how to apply from home so they can be spared the humiliation of being turned down at a cash registered where other customers not only here that your turned down but all your PRIVATE Information, such as Social Security numbers, Dates of birth and Income, Employer etc.
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: I.C. System, Inc. (KS)

IC systems along with XXXX XXXX XXXX are threatening a court action on a debt that is from 2001. It is from a XXXX account that IC Systems have just recently put on my credit report as a new debt. They have started to call several times daily from different parts of the country and with threatening phone calls to take me to court. I believe through research that this is a scam on old debts that have been deleted. I want this off of my credit report along with them being told to stop harassing me. 

Thank you in advance.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Consumer complaint received 2015-11-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Title Source on behalf of XXXX Bank contacted SLS to obtain a subordination agreement and proof of assignment regarding a secondary mortgage it has on my property. I recently learned that SLS has requested that the subordination document be signed " SLS on behalf of XXXX '' ; however, per Title Source 's title search, there is no record that XXXX is the current holder of the mortgage. Title Source and I have been informed by SLS that it will take 2 to 3 months or more to respond to the request. This timeframe is unacceptable and will likely to result in cancellation of my pending application. As a result of this delay, XXXX Bank has notified me that I will have to pay XXXX point per month to extend the application with a two-month maximum. In addition, if the subordination document is not properly executed, I will have to wait 60 days to reapply at almost certainly a higher interest rate. 
I am extremely concerned about the quality and lack of urgency expressed by the SLS customer service staff that I and Title Source have received to date and would appreciate receiving proof of the XXXX/SLS assignment and completion of the subordination document so that I can close my application and avoid financial penalties.
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MI)

Was informed of an update to take place XX/XX/XXXX,2015 by rush card ... ..as of today XX/XX/XXXX2015 I am still unable to receive my funds or my direct deposit from work. They are no longer answering phone calls or it will automatically hang up. This is unfair. I have bills and daily living to do which I ca n't because I ca n't access my money
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Application processing delay — 
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On XXXX occasions XX/XX/XXXX and XX/XX/XXXX First Bankcard, XXXX. XXXX XXXX, XXXX XXXX XXXX charged my account a late fee plus interest and then revolving account interest the following month for payments that were sent via on-line banking and received by First Bankcard on or before the due dates above. I always pay 100 % of the balance due each month. In the first instance for the payment due XX/XX/XXXX, First Bankcard credited my account for the late fee and interest when I provided evidence that the payment was deducted from my on-line checking account on the due date, but not posted to their system until the following business day but they have not credited the interest charged the following month ( statement dated XX/XX/XXXX ) of {$38.00}. More recently, the same set of events occurred on XX/XX/XXXX and involves a {$26.00} late fee, {$71.00} interest in their statement dated XX/XX/XXXX and an additional {$62.00} in interest on their XXXX statement. First Bankcard Customer Service XXXX refused to credit the XXXX fees and interest because they had already done this for me once - without regard to the fact that they obviously have a cash posting problem since this has occurred twice in the last XXXX months. I have written XXXX XXXX complaint letters on XX/XX/XXXX and on XX/XX/XXXX outlining in detail the circumstances mentioned above and have not received any response. I communicated ( message reference number XXXX ) with First Bankcard Customer Service on XX/XX/XXXX to find out if they had received my letters. The response was that there were no notes on my account as to the letters or who may have them or if any action was being taken to correct the billing on my account. I have discontinued using the First Bankcard XXXX card and have left a balance of {$190.00} on the account the represents the erroneous late fees and interest mentioned above and have advised them that I will not pay for the fees or for any late fees or interest going forward. 
I have used credit cards from various banks for years and have been using on-line banking since the middle XXXX 's and have never had this happen once. This has happened at First Bankcard XXXX in the XXXX months. Probably happening to more people than just me - concerned that they are making money by not posting payments promptly when they are received - and then refusing to credit the late posted payments. In both cases, the payments were posted the next business day following the due date. I actually began scheduling the payment to them XXXX day in advance of the due date since the XX/XX/XXXX incident to provide more time for them to post the payments. The XX/XX/XXXX ( a Friday ) payment was actually scheduled in my on-line baking account to be paid on XX/XX/XXXX ( Thursday ) but was not posted by First Bankcard until XX/XX/XXXX - Monday. It was sent by my bank on XX/XX/XXXX.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

On XXXX I was told my new mortgage payment effective XXXX would be {$630.00} based on a loan balance of {$100000.00}. On XXXX I made a payment of {$22000.00} to reduce my loan balance to {$86000.00}. Despite this payment, Greentree claimed that my mortgage payment would still be {$630.00} despite the reduced loan balance. I have spoken to Greentree XXXX times only to be told " they would look into it '' but that I still had to pay {$630.00}. On XXXX XXXX they sent me a letter saying that " my account has been approved '' but that I have to continue making the {$630.00} payment until I hear from them. I have never missed nor made a late payment.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coast to Coast Financial Solutions, Inc. (NV)

The following collection company Coast to Coast Financial XXXX XXXX XXXX XXXX XXXXAccount number XXXXplaced a account on my credit report without ever contacting me in any form. 
I have written this company asking for documentation several times regarding this account and have never received a response from them. 
They are violating my rights under the FCRA
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: OLD NATIONAL BANCORP (IN)

My husband and I filed for bankruptcy in XXXX and was discharged in XXXX. In our bankruptcy was an account with XXXX. Recently, Old National Bank bought out XXXX and acquired all of their accounts. We checked our credit in XXXX of XXXX and there was no claim on our report for Old National Bank. We checked our credit report again in XXXX XXXX and Old National Bank was reporting on our credit as a bankruptcy discharge. By them doing this, it has dropped our credit score by XXXX points. We have never had an account with Old National Bank and were already penalized XXXX by XXXX XXXX back in XXXX for this account. We are being penalized again by Old National Bank for an account we never had and that is over XXXX years old.
Consumer complaint received 2015-10-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (TX)

A company from phone number XXXX called my place of work twice and is harassing my employers threatening to serve me papers at my place of work. They have not contacted me personally by mail or by my personal number. My boss has threatened to fire me over this. I do not know how they got my number at work. They say I owe them from a credit card I had in 2007 that was stolen from me. It was an attempted car jacking and my wallet was stolen along with my keys and all my credit cards. I do not appreciate being threatened at my place of employment and having my employers threaten my job over this. They lied about being a law firm as well.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

On XXXX XXXX, 2015 at XXXX, I contacted Owen Loan Servicing in reference to my account. I spoke with XXXX XXXX XXXX and asked about some documents that were being requested ( Form XXXX ). The complete package has been faxed over twice and the form XXXX was faxed along with the package. It is very difficult to get assistance when calling to the company because not one understands or speak English well. Ocwen continue to ask for the same documents repeatedly although the package has been sent twice.
Consumer complaint received 2015-11-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (IN)

I have a car loan, through Ally Financial, that was part of my bankruptcy. My bankruptcy was discharged on XXXX, but after XXXX unsuccessful disputes through XXXX the account is being reported open, and Collection/Charge Off. It also shows a balance of {$1600.00}. It is my understanding, since this account was part of my bankruptcy, it can not be reported as collections/charge off or open. I have had the title for the car since XX/XX/XXXX, which Ally Financial sent to me. Please assist me in rectifying the reporting of this item.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (AZ)

For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.
Consumer complaint received 2015-08-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

Ocwen lost an {$1800.00} payment that was sent in XXXX then charged late fees and returned the check once they found it 3 months later. They continue to deny that they lost it stating they received the funds in XXXX when we clearly sent it in XXXX. They refuse to look at the envelope with the post mark date. This is not the first time a payment has been lost by Ocwen. Last XXXX they lost a {$700.00} check for 2 months. I have now sent a certified payment of over {$3000.00} overnight with signature confirmation and it still has not been applied to the loan. It was received by Ocwen on XXXX/XXXX/15 at XXXX. It is now XXXX/XXXX/15. This is extremely poor business practice and I want them reported for losing my payments multiple times. Someone has to be governing their accounting department and I want them notified. The late fees are illegitimate and I also want those removed. If nothing comes from this complaint, I will contact the attorney general.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

In XXXX 2015 mya mortgage was sold from XXXX to Seterus, owing no more than {$160.00} on principal, then Seterus did send to me a letter of welcome but with no information about the money that I did owe on the mortagage, they ask me for a payment of {$3600.00} wich was send it to them on XXXX, then i ask for a pay off cuote and they required from me another payment for the amount of {$3500.00} wich was send it to them on XXXX. I was told by them that this payment was to pay the XXXX tax of 2015. They did not pay tax and send me a refund for the amount of {$2300.00} wich happens to be exactly the same amount of escrow that was transfer from XXXX to Seterus. So there is a balance of at least {$3500.00} that should be returned to me as well. I been calling them every other day and every time they have a diferent answer and bottom line they dont want to refund that money so I hope you could help me a on any way to recover my money that Seterus wants to keep with no rights to retaining it, I do believe that there is some type of discrimination toward me because i don speak perfect englishXXXX. Thank you so much for your time and your attention to this matter. 
XXXX XXXX
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NJ)

I was text on XXXX/XXXX/15 that rush card would be updating there system and me the holder of a rush card should withdrawal funds from my accout before XXXX the early morning because the update would not allow me to access my funds until monday XXXX/XXXX/15 at XXXX, so after XXXX i tried to withdrawal from my account and i was not successful to doing so, so then i tried and tired to contact customer service and when i finally got through i was told that my card has been blocked ( for what reason i do n't know ), next i tried using the card again the next day Tuesday XXXX/XXXX/2015 and it allowed me withdrawal {$20.00} out following that tried to use the online app to see what my balance was and again it toldme that my card was blocked and not activated again i tried and tried to get in contact with rush card and when i did i was either put on hold for an hour or after being on hold the phone call was disconnected ... .so again with another try at the atm ... my card said declind or unauthorized usage ... .i receive direct deposit to this card from my employer and i also had a remaining balance from my last direct deposit which was posted on Tuesday XXXX/XXXX/2015 so i cant see how my card is not activated..i 've been calling all day today and still not able to get through ... .i would greatly appreciate it if you can get to the root of my problem for me or direct me to any other source that can help me get a resolution
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (GA)

I got an email 1 day before I was supposed to receive my direct deposit stating that they are updating their account and everything should be fixed as of XXXX that day. The next morning my direct deposit was not on my account got to work checked with my employer and checked my paystub and it shows that they did indeed pay me. I told this to the customer service rep and he said they have maintenance issues and are working to fix the problem i asked what happened to my money and he had no answer for me. I have bills due and i have i 'm now jipped out of {$700.00} that i worked hard for, please help me get my money back and SHUT DOWN RUSHCARD
Consumer complaint received 2015-06-17
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WA)

Ongoing collections calls for an XXXX XXXX who is NOT at our address. We have called Shell Point Mortgage XXXX. Resurgent XXXX numerous times, told them that they have the wrong party and wrong telephone number. They ignore our complaints and continue to call us with their collection calls. We are ages XXXX, have NO debt, and do not want these calls to continue.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

There is a XXXX charge account on my credit file that is not mine. I have never shopped or even been inside a XXXX store. I have never opened or used a XXXX account. I have never even heard of them until this appeared on my credit. For a very long time now, I have tried to get this account removed. Experian sent a letter stating that the creditor states its valid. Just like that and its true. Its not true. I mailed a notarized signed affidavit, copy of my license and social security card, and a copy of a police report to XXXX and still they will not remove this account. I have not other accounts in dispute so I dont even believe its fraud. I think XXXX is at fault here. If it is fraud, then I suggest they find out who did this and pursue them. Its funny I have no other accounts that are not mine on my credit. XXXX will not respond to any corresondence at this time. I want it removed from all credit bureaus.