davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (NC)

I was contacted at my place of employment after telling this company not to contact me at all. Also I have disputed the validity of this debt a few times only to be told that it was on me to prove that it was n't valid. there has been no proof or validity provided to me. There was a time when this company would leave messages on my place of employments answering machine well before XXXX and after XXXX. Also I was called on my cell phone by a automatic robot saying there would be legal action taken If I did not call a certain number which turned out to be their number. This company and their parent company has been sues by the CFPB for illegal collection practices. There debt collection practices are illegal and violate my rights as a consumer.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I opened up a billing dispute for an item never received for my American Express Card in the amount of XXXX on XXXX/XXXX/15. It was for a custom engine that was never received and this non deliver was verified by third party California XXXX XXXX XXXX XXXX. The XXXX agent advised me to use continue the dispute process through my credit card company. I initiated the charge back via telephone, they were very helpful and mentioned they would get to the bottom of it. They opened up a chargeback and gave me an online resolution department to check status. I went online and noticed they had put the reason for dispute as an Unauthorized charge. I thought this was strange, and I actually called back in shortly after and asked them to change this to correct reason of dispute ( good not recieived ). The service agent told me ( paraphrase ) " their is only one reason in our system so this should be ok, just write a letter explaining what happened and our resolution department will take care of it. '' I thought it was odd at the time that they only had one classification but I wrote in a letter explaining that I was charged for an item I never received. The charge back was ultimately closed, where they did in fact close it as an authorized charge. I wrote back letting them know the mistake and they reopened. Unfortunately same thing happened, miscatergorization, same outcome. I had to contact American Express multiple times and and eventually request a manager who then correctly categorized dispute as items/goods not received. They went back to the merchant and ask for more information, the vendor told them he had given me the engine and they promptly closed case, despite having no evidence that this was actually done. I then had asked for the proof used by American Express to side with vendor. This went around a few times, with this evidence never being provided by American Express nor merchant. Ultimately American Express suggested I go back to the merchant, despite not removing the billing error nor providing any evidence to show that I had received item in question. My concern is how American Express can not remove a billing error and then suggest that I go back to a merchant to work things out, instead removing a valid billing error that I raised. I had tried to work with vendor multiple times and would never gone the route of billing dispute or have an independant investigation if things were workable. I can provide all communication between American Express and I. I also have same information regarding communication between vendor and I. I can also go to court, if needed, to bring the supeonable evidence which will corroborate my case. 

The heart of the matter, I raised a billing dispute, American Express did not remove this dispute. The provided no evidence ( after multiple requests ) that the items were indeed delivered to me.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I have had a an Aadvantage Citibank MasterCard card for XXXX years. A balance of {$29.00} was due XXXX XXXX. As I have for several years, I set up the payment on my bank 's e-pay system to arrive on the due date. Have never had a problem. When I received my next statement, Citibank had assessed a late fee of {$25.00} plus a XXXX cent interest charge because it posted the payment XXXX XXXX. The {$29.00} was debited from my account XXXX XXXX. I called my bank and was assured Citibank received the funds XXXX XXXX. I called Citibank and explained the situation and it insisted the payment was late and REFUSED to remove the late charge. So I canceled the card. It is guilty of bad business practice -- has been for years, in my experience. Steals from its customers.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Opened online account on XXXX/XXXX/16 at HSBC. I was contacted on XX/XX/XXXX via email requesting additional documentation which I sent in. I called on XX/XX/XXXX requesting a status update on my account. I was told that that person who was handling my account would contact me. Over two weeks later HSBC has my information they requested and I do not have a status for my new account opening.
Consumer complaint received 2017-03-06
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation. 

Well this explains most of it? 
Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups. 
Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report. 
XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups. 

I will bring all you dirt bags down who have committed fraud against me. 

XXXX
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Mortgage Company complaint is with Ocwen Loan Servicing. Back in XXXX of XXXX Ocwen proceeded to pay my homeowners insurance as instructed to do so in contract, with XXXX XXXX XXXX, A check was mailed to XXXX at XXXX XXXX XXXX XXXX, XXXX, Ill. XXXX ; as noted on check # XXXX, dated XXXX/XXXX/XXXX and a copy of which is included with this complaint. ( See attachment ) On the back of this check is endorsement stamp by company XXXX and has a persons signature on it too. Deposited in XXXX XXXX bank. XXXX claims NEVER receiving this check ( for this reason, XXXX cashed it ). So XXXX preceded to notify Ocwen that they still needed payment for the homeowners policy to remain in effect, so Ocwen, instead of telling XXXX that they sent a check to their office in XXXX Ill, they write a second check of {$950.00}. See attachment, included ). So now I 'm really short funds in my Escrow account with Ocwen. I thought this matter was resolved in XXXX, after much conversations with Ocwen agents concerning this matter. I received my escrow account summary in XXXX of XXXX and notice that my balance is way negative, so I 've been trying diligently to get this matter resolved but with NO success. Just being told we 're working on it. Well they been working on it for almost XXXX years. So I do n't believe it, and I need help getting my {$950.00} back in my escrow account. I just want the {$950.00} restored where it belongs in my escrow account so I can have a new escrow evaluation and my monthly payment reduced. Also attached is my first page of my escrow summary for XXXX, which shows Ocwen 's contact info and my loan number with this account.Loan number is also on both copies of the canceled checks. Also attached is a word doc that lists Ocwen agents I contacted recently and the agent at XXXX I talked to that said she would try to locate the check in question and she forwarded a copy to agent at Ocwen.
Consumer complaint received 2016-04-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (IN)

While PayPal states : " PayPal Purchase Protection covers all your eligible transactions. So if your order is a no-show or does n't match the description, we 'll help you get a full refund. '' My item was a no-show and also did n't match the description of when it would arrive, yet I have had no luck with PayPal Customer Support. 

I filed XXXX separate transactions with PayPal over a month ago. I have spoken on the phone with PayPal Customer Support XXXX separate times about the disputed transaction, and am not getting anywhere with it. The seller has also quit responding to all of my emails. I am about to close my PayPal account, but am first waiting for a proper resolution.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2016 I deposited {$1600.00} from my XXXX checking account into Wells Fargo checking account. This money was to cover my mortgage payment which is automatically withdrawn by WF on the XXXX of each month. Several days before the XX/XX/XXXX I rec 'd a copy of the check back from Wells Fargo with a return reason " refer to maker ''. I quickly went to my nearest XXXX branch, where I had to withdrawal {$1600.00} in cash and deposit it into Wells Fargo or my mortgage payment would have been delinquent. I spoke to the manager at XXXX and showed him the copy of the return check. XXXX claims ( after a full investigation ) the check was never presented to them. They would have absolutely no reason not to honor the check, it was made payable to me, and it was coming out of an account with {$10000.00} in it, more than enough to cover the check. However, Wells Fargo continues to point the finger at XXXX stating that " there must have been something about the check they did n't like ''? ( WF branch manager 's words ). In light of the fact my mortgage account has been handled so poorly these past several months by Wells Fargo I fear that once again a mistake has been made on their end. I still do not know where this check is ( check no. XXXX ) nor can they tell me where the check is? It could have been an electronic error on their part but they are not taking responsibility or giving me any answers, other than blaming XXXX for not accepting it. This could have had an adverse affect against my credit standing, as I have had other problems with this bank which has potentially compromised my credit history ( previous complaints also filed with the CFPB ) never really receiving satisfactory answers. They just rehash and rehash the mechanics of the incidents, without really giving an adequate explanation as to why they take the action they take without proper and timely disclosure/notification. So here we go again .... I have very little confidence with this bank. I would like to know what happened to my check.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : https : XXXX? MOD=AJPERES Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 
2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 
3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 
4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 
5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. 

Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX, XXXX, California, XXXX, XXXX. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. 

Should you have any questions or concerns, please contact me at XXXX or via mail to the address above.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (MN)

We switched carriers from XXXX to XXXX in XXXX 2016 due to excessive unresolved issues with XXXX. XXXX was offering a deal of paying up to " x '' amount of monies owed to previous carriers if signing a new contract with them. We took advantage of this deal to get out of our XXXX contract. With that said, we are now waiting for XXXX to send us our monies owed to pay off XXXX, which we have stressed to XXXX on multiple accounts. Our XXXX account was then bought by a debt collection agency Convergent who calls us multiple times daily. They call my husband multiple times through out a day and after so many calls, they switch to my phone number. Today, specifically, I made them aware that after calling my husband FOUR times before XXXX XXXX, and then calling my phone they are harassing us, in result of violating our rights per the Fair Debt Collection Practices Act ( FDCPA ) We have asked repeatedly to withhold further contact until XXXX has resolved this issue, and they still have n't let up. Today the representative told me my husband is lying, that they have NOT called his phone number, when in fact our phone records show that they have. I informed them I will be filing a complaint with CFPB as every single time I speak with them, they are rude and pushy. It has become excessive, annoying and beyond unnecessary.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I sent a letter requesting validation of several times to both the creditors and the credit report agencies of incomplete or incorrect information being reported. The CRA came back with an answers that they have " verified the accounts belong to me ''. To date, these accounts have not been verified by the creditor and the CRA was informed of the notice after a 30-day period. These items still remain on my credit file, do not belong to me, are incorrect, incomplete information and harming my ability to obtain additional credit and my overall credit score.
Consumer complaint received 2016-09-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

i had a account with usaa bank for years someone had gotten in to my acct and the acct had gotten closed the problem was my daughter was also on my acct when this situtation happen they closed her accts also the problem is that my daughters and son in laws paychecks our going in to there accts which they closed because my daughter was on them when she called ans asked if she could get her money the bank usaa said it takes thirty days to get her money when i called other banks they said it only takes five days in other banks we need thid money to pay rent and buy stuff for the kids. i am telling people not to bank with usaa because they do people wrong what they say on tv is wrong
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Solutions, LLC (KY) (FL)

Credit Solutions is reporting a claimed debt of which I had no knowledge. I received no correspondence from them and do not believe the debt is valid The collection agency never contacted me regarding any outstanding debt owed. I had a doctors appointment on XXXX/XXXX/14. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the collection company and was willing to pay the amount they claim is outstanding and then be reimbursed by the insurance company for any over payments but want the collection removed from my credit report.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

This loan started out as a {$3100.00} private student loan : XXXX Lender : NAVIENT PRIVATE LOAN TRUST ( XXXX originally ) Disbursement Date : XX/XX/XXXX Original Principal : {$3100.00} I have been paying interest only on this loan since XXXX ; however, the loan has ballooned up to {$5100.00} with an interest rate of 6 %. The interest only payment ends XX/XX/XXXX, wherein the payment will increase significantly. My complaint is that this loan balance should not have doubled since I have being making interest payments for almost four years. This student is being scammed by Navient.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a XXXX XXXX Account that is not mine. Collection notices are coming to my house.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optima Recovery Services LLC. (MO)

Optima Recovery Services LLC showed up on my credit report and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX in 2011. The amount on my collections is {$380.00}. I have never seen this amount due or been contacted to my knowledge for owing such an amount. I looked it up on my credit report and it stated that it was opened in XXXX 2011. I had no clue what the charges were for nor have I been to a health clinic in XXXX XXXX, MO. I called the original creditator who stated I was not in their system and never had been even to send to collections. I called Optima Services and the lady on the phone stated the only way I could remove the amount off my credit report would be to pay the XXXX in full. I told her I did not owe that amount and she stated it was for a XXXX. I told her I had full insurance, and if I had that service ( which I did not believe I had then it would have been paid by my insurance ) She could not answer my questions as to where, when and so on. So I asked to speak to a manager named XXXX. He said if I provided a receipt that it was paid they would take it off my credit report. I asked him if the insurance covered part of the services because I had insurance that should have paid it in full. He then admitted my insurance was never billed. He tried to say because I never submitted it to them. I had no knowledge of such a bill and if I had my insurance would have paid it in full. I do not owe this debt and would like it removed from my credit report immediately. They can no provide me with any information on the account nor support that I did not provide them with my insurance information.
Consumer complaint received 2017-02-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

Purchased a home in XXXX, XXXX in XXXX for {$390000.00} the height of the inflated prices of the housing boom after taking a XXXX job. So, moved myself from XXXX to XXXX with no assistance from the XXXX. Left XXXX and moved to private industry for 5 years. Rejoined XXXX, XXXX to move to XXXX with no housing assistance. Was able to get the house rented but it did not cover the mortgage costs. The market value never returned to the amount that I paid for the house. 
About XXXX or so, the huge retaining wall needed a {$20000.00} repair which we could not afford, so we were unable to rent it any longer or sell it. So, we decided to try a short sell finally getting it sold for {$250000.00} in XXXX. However, Ditech, the largest of the XXXX company 's holding the Mortgage would not allow a short sale to go through until I was 90 days past due. By the time the final transaction was completed, they were able to state that I was 6 months passed due, seriously degrading my credit rating. Also, they posted to the credit companies that the loan was closed, but not paid in full. 
1 ) Is there anything that can be done with my XXXX employer to force them to provide some financial assistance that was never provided? 
2 ) Is there anything that can be done to fix my credit history? 
Seems like the system is rigged against individuals.