davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I was caught up in a gift card scam in XX/XX/2016. The scamming company would pay off my credit card and then I was to use their funds from paying off my credit card to purchase the gift cards. I used my Citibank Mastercard to purchase the gift cards. I received confirmation # XXXX ( XX/XX/2016 ) saying my initial balance ( {$2100.00} ) had been paid off so I purchased {$2100.00} in gift cards. I received confirmation # XXXX ( XX/XX/2016 ) for the XXXX credit card balance pay off amount ( {$10000.00} ) so I purchased and additional {$7800.00} in gift cards. I received confirmation # XXXX ( XXXX/XXXX/16 ) for the 3rd balance pay off ( {$6100.00} ) so I purchased an additional {$2000.00} in gift cards. In all cases, I did not turn over the gift cards to the scamming company until I received the confirmation from Citibank that the funds had been received. I verified with Citibank multiple time that the funds had been received. I was told by customer service rep XXXX, in the AZ office, that once I have a confirmation # and the status says credited that the funds have been received and applied to my account. At that point, I released the gift cards to the scamming company. The funds were supposed to be transferred from XXXX Bank. There were 3 separate transactions as specified above, where I received confirmation numbers about the funds being received from XXXX. Once the 3rd transaction took place, the scamming company reversed all of the payments. I was told multiple time by different Reps that once I have a confirmation number the funds were received I had nothing to worry about. Unfortunately, I took the other reps at their word so I did not capture their names. In total, I was scammed out of {$11000.00} because of the mis-information I was given by Citibank. Plus, I was also charged and additional {$54.00} in return fees. I tried to resolve this issue with multiple times with Citibank but to no avail. I would simply like to be reimbursed by Citibank for the amount I lost ( {$11000.00} ) due to the mis-information I was given by their reps.
Consumer complaint received 2017-01-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America (OK)

The Federal Poverty Guidelines allow emergency providers to waive the full amount or a % of the bill should a financial hardship be determined that would effect ones ability to pay. All emergency hospitals have a form they give out for the financial hardship waiver to determine eligibility but XXXX did not do this even after my request instead they sent me over to a debt collector and they do n't understand what it is that I 'm saying to dispute the debt
Consumer complaint received 2017-01-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

Hi sir/ Madam This is XXXX XXXX i booked tickets with XXXX Airline through XXXX Travel Agency right away they sent me an email which mentioned that your reservation is canceled then i was sure it is canceled. I booked tickets with different airline After two days my account was charged by them then i contacted them to refund my money back they did not and i contacted my bank too they did not give my money back. i have proof every thing they do not respond me positive.
Consumer complaint received 2017-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I am filing a complaint because my mortgage payments are missing. I have had XXXX dollars paid on my behalf to Ocwen from XX/XX/XXXX to XX/XX/XXXX. My loan balance in XX/XX/XXXX was {$120000.00}. My balance XX/XX/XXXX in {$110000.00}. I am missing XXXX of payments applied to my account. My balance should be XXXX. I have called Ocwen on several occasions but I have not gotten a response. In addition, I have attempted to apply for a Principal Reduction but I have not gotten any response from Ocwen. I will have to sell the house because my mortgage is not adequately serviced by Ocwen.
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Great American Finance Co (GA)

I have sent several requests to Great American Finance per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company on XXXX XXXX, 2016 which has well surpassed the 30 days allowed by law for a response.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my XXXX card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XXXX, XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me and I want it TODAY or I will sue capital one.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NJ)

Back in XXXX, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their fidelity bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo back in XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the association 's coverage. I made it perfectly clear that I do not want to pay any more upfront fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check. During the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominium 's fidelity bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently received my credit report and noticed that hard inqueries were readded to my credit file after being deleted. After calling Transunion and requesting inqueries to be removed Transunion would not remove them. Upon further investigation I found out that they were removed and added back because of some type of computer glitch within Transunion 's system in XXXX and once again in XXXX. By law Transunion should have informed me in writing five days prior to readding. I received no such notice therefore my fair credit reporting rights were violated.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I had a loan from Wheels Financial Group , LLC aka LoanMart for a vehicle while I was in the XXXX. I notified them that I was being called to XXXX XXXX and then repossessed my vehicle. No notice of repossession or notice of sale was served prior to them choosing to auction off my vehicle. They recouped all of the balance owed on the vehicle with the exception of {$890.00}. The vehicle was sold on XXXX XXXX, XXXX and after 5 years I am receiving collection attempts in the amount of {$6500.00}. It is past the statue of limitation to collect and to report a debt under California Code of Civil Preceding subsection 337. On XXXX XXXX, XXXX I received an email regarding the payoff amount being {$890.00} and the amount would satisfy all collection acts and remove the debt. I contacted the company in an attempt to satisfy the debt and instead was told they would not settle the debt for that amount and I had owed the {$6500.00}. I began to question the email I had received and I was informed that if I did not choose to pay the full amount legal action would be taken against me. I was threaten with police action and also threatened with my current assets being ceased and wages being garnished. Since communication on XXXX XXXX, XXXX I have received harassing calls and emails attempting to collect the debt in the amount of {$6500.00}. They have violated the Fair Credit Reporting Act and also, the Soldiers and Sailors Act. Also, in none of the correspondence sent by LoanMart did it state as a disclosure that the company could n't sue me. I was ready to pay them until a friend had informed me that their actions were illegal and I needed to pursue them legally.
Consumer complaint received 2017-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

Ditech took over my home mortgage from Greentree. They kept trying to force me into an Escrow account with them -- increasing ( escalating ) my monthly payment by over {$700.00}, even though I repeatedly told them that I did not want it and that I had already paid my own taxes. They kept lying about me having not paid my real estate taxes ( even when my county tax office kept telling them that I was paid up in full through XXXX 2016 ). Finally after no less than XXXX calls and faxes, they relented. I solved the problem by getting a refinance elsewhere.
Consumer complaint received 2016-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I obtained a total of {$31000.00} in federally backed student loans thru XXXX when I graduated. The loans grew to a total of {$41000.00} by XXXX. In XXXX, I consolidated the loans for a total of {$31000.00} at 8 % interest over 186 months ( 15.5 years ), with lower interest rates after XXXX on-time payments. Automatic payments of {$260.00} started in XXXX and steadily rose to {$280.00} by XXXX. These payments have been deducted from my bank account continuously through today, XXXX/XXXX/XXXX. After 10 years of solid on-time payments, I went to check on the remaining balance so I could pay off the loan. After 10 years of payments on a 15 year loan, the balance should be minimal. I was horrified to discover that the remaining balance on my loan remains at {$26000.00}, with an expected date of XXXX for payoff! And, they have considered the loan delinquent for that 10 year period. After 10 years of monthly payments, only {$5000.00} has been applied to the principal. On an original loan of {$31000.00}, I have paid a total of {$87000.00} : {$52000.00} in principal and {$33000.00} in interest!! How is that possible? How does a 15.5 year loan turn into a 30 year loan? I 'm retiring in XXXX and will still owe student loans even after paying on them for my entire working career. I 've borrowed the same amount of money for a vehicle and that amount was paid off in four years. If this continues at this pace, I will pay AES more than four times the amount of the original loan far beyond the original 15.5 year payment plan. I have paid over {$200.00} a month in interest alone over 10 years, with that amount only reduced slightly to {$170.00} a month. AES refuses to explain the process or discuss an audit of my account to account for all the monies paid. AES needs to explain how this happened, how my payments were applied, why the principal balance has not dropped, and why I will pay almost 30 years on a 15 year loan. Complaints about this very process are numerous and easily found on the internet. AES should be held accountable for their dirty business practices and unethical behavior. Students will never " get ahead '' or experience the American Dream as long as companies like AES can continue to operate in this manner.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DataMax Corporation (FL)

I have contacted them by US mail, email and phone to inform them this is not my debt. I have also filed disputes with all three credit agencies. They refuse to remove this erroneous debt from my report.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. Please!
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

OCWEN has been making repeated robo-calls to our home. Caller ID shows " Toll XXXX XXXX '' -- no mention of OCWEN. When someone picks up the line a recorded voice says to " stay on the line '' and some seconds later an operator comes on and asks for me or my husband. When I ask who it is they say " OCWEN a debt collection agency ''. Then they ask for my social security number! 
We are NOT behind on payments, and never have been. We refinanced our mortgage through XXXX in 2013 XXXX then through GMAC to get a lower interest rate. Apparently they sold the loan to OCWEN?. Now they are saying they need to " update their records '' via an unsolicited, unidentified phone call " for the trust ''????
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I have an case on finacial production case XXXX and now us bank charge me overdraft fee {$39.00} for being overdrawn because of XXXX being unauthorized and now this bank will refund me. I have alerts on my checking account and this time my account was overdrawness on XX/XX/2017 and my alerts notify me on XXXX and because I made a deposit on XXXX on XXXX was charge XXXX. And they now telling me email alerts going out 24 hours and I should set up the alerts by text message this is wrong.
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had several bank accounts with Bank of America and XXXX, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a XXXX account through Citibank XX/XX/XXXX. The account came with a ThankYou points promotion ; if I fund the account and make bill payments from their portal in two consecutive months, then I 'll receive XXXX points 90 days after the last bill payment is processed. I was told by numerous Customer Service Representatives, both online and by phone, that the account was in good standing and that I qualified for the promotion. It was only after the 90 days had passed, which was XX/XX/XXXX, and they had charged several monthly fees for the account, that I was told that I did not qualify for the promotion. I tried to resolve the issue by asking for my issue to be escalated internally, but I kept getting the same response, despite being told numerous times that I qualified for the promotion.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I did not consciously opt in for courtesy fees. I had no knowledge of this as they did not send me any email whatsoever notifying me of my possible charge off. All emails I received were promotional emails. They denied sending me a copy of the 1099-C tax form, yet my credit report indicates that it is a charge off.
Consumer complaint received 2016-05-24
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I will try to make a long story very concise with my concern. : I transferred a total of {$3600.00} in an intra-bank ( Bank of America ) wire-to-wire transaction, only to later determine ( after the deposits ) that I was defrauded. The banking institution 's policy is that since this is a wire to wire transaction, I am not protected by the financial institution for this type of transaction. The bank currently has a freeze on the account and is investigating the incident, HOWEVER, they have expressed to me that I am NOT eligible to have my money refunded from the fraudulent account until they make contact with the account holder ( the fraudulent criminal!!! ). Since they have not made contact with the fraudulent account holder, my claim is being denied. Then bank is unwilling to tell me if this denial will unfreeze the account. What criminal in their right mind would return a call? Why arent the facts in this case enough to reverse whatever remains in this account?