davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC (NE)

The collection company involved, Bayside Capital Services, while we were visiting my Aunt and Uncle in XXXX, somehow found out we were down there and somehow obtained my Aunt and Uncles phone number. They began calling them wanting to talk to my wife, and threatening that if my Aunt and Uncle did n't put us in contact with them immediately that they would receive a visit from an unspecified person, an assertion that greatly upset my Aunt. 

We live in XXXX, XXXX miles from my Aunt and Uncles house, and we had no contact with them while we were down there. How they found out we were down there and obtained my Aunt and Uncles number is very concerning. 

When we got home, they called and spoke to my wife, the first communication we have had with them, they immediately demanded that we make a payment to them or we would receive a visit from an unspecified person, my wife was scared by what they were telling her and she consented to making a payment. 

I sent them an email, explaining how upset I was and telling them that I was aware of the requirements of the Fair Debt Collection Practices Act as far as what they are allowed to do to communicate with us, and also what they are required to do, including furnishing us with the relevant documentation and allowing us the requisite time to dispute the debt. 

The next morning, they deposited the money they had coerced my wife into allowing them to deduct, back into our joint account. They then called and addressed some of my concerns that I addressed in my email, we missed the call, they left a voicemail. 

I called them back and they immediately began attempting to try to get me to just go along with their ridiculous, illegal tactics, I did not. 

I explained how upset I was about what they told my Aunt when they spoke to her and the individual I was speaking said that I had no proof that they had said those things to her, intimating that my Aunt is lying ... which greatly upset me. 

I told them I was going to pursue legal action against them and I hung up.
Consumer complaint received 2015-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I am trying to apply for a mortgage loan, and all banks are not able to pull my equifax credit report. I have spoken with equifax multiple times where they have guarantee me that there is nothing wrong with my report and that everything is correct. I 've had different backs attempt to pull my report with NO success. They are only having a problem with equifax. They are able to pull XXXX and XXXX with no problem. This is costing huge problems with my living arrangements. 

I need my bank to have the ability to pull my credit report as soon as possible.
Consumer complaint received 2016-05-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

Lender keeps contacting me Harrassing me to pay them back in full when I clearly stated I am currently not employed and I could try to make small XXXX dollar payments until I start working. They said if i didnt pay in full or in XXXX payments of {$88.00} dollars they were going to take me to court. I tried to set a payment plan and they keep harrasing me calling me to threat me to pay them or I will go to court.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

To whom it may concern, Our family checking account at Citizens Bank was rubbed for {$26000.00}. 
Some person cashed out fraudulent check at some bank in Connecticut and Citizens Bank authorized transaction. Citizens Bank cleared fraudulent check without our signature and let some XXXX receive {$26000.00}. This check does n't have XXXX names in upper left corner ( only XXXX ) as it suppose to have, does n't have our signature and signed on back side by XXXX XXXX. We do n't know what is this XXXX XXXX and how this transaction possibly allowed by Citizens Bank. We have filed complain at Citizens Bank Claim Department. But more than two weeks after it happened we can not get clear answer why this transaction allowed to happen in first place when our case will be resolved and we will be able to get our money back. 
We hope some one can help us to resolve this issue, so far it feels like no one in Citizens bank willing to do it. We are about to loose our trust to banks. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Citizens Bank Account No : XXXX Claim No : XXXX Amount claimed {$26000.00}
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a mortgage with Bank of America. After receiving the closing statements I noticed all of the closing estimates were considerably higher. I asked that they withdraw my application. Unbeknownst to me Bank of America ordered an appraisal on the property. I learned about it when my agent called me. they still continued to say that they did not. They billed my credit card for an appraisal that was useless to me. After I complained and spoke to the vice president They still refused to give me back my money. 
XXXXXXXXXXXX XXXX phone AVP Sales operations XXXX XXXX XXXX XXXX Fl. XXXX
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

These are regarding my XXXX recent loans with citizens bank in the beginning of XX/XX/2016. I was quoted that the loans were 2.86 % variable for XXXX separate loans. the first representative XXXX XXXX gave this quote I emailed the documents so that was much faster. However he decide to combined them when told not to. Which delay the process. Which seems to be common practice not only with Citizens Bank other lenders as well to trap borrowers if the loan defaults. XXXX XXXX the left a voice mail as well of financial information which is a serious violation. Then I talk with XXXX XXXX he stated that the were separate and I emailed them to him as well because of the delay. This is costing me money in the longer run. I also gave me work schedule so that I could deal with this in a timely manner so that Citizens Bank had no excuse in getting of a hold of me. I then asked for a supervisor I spoke with XXXX. He stated that he would look in the matter weeks went by no word. I was getting frustrated. It then went to the XXXX which is the board of something and stated she would look into the matter. She is purposely calling when she knows that I am at work and ca n't talk
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened a checking account with HSBC about 2 weeks ago and I changed my direct deposit to the new account. Yesterday ( XXXX/XXXX/2016 ), I found out by logging to my account online that my checking was slated to be closed without any knowledge from my end. I contacted the bank and they are unable to explain to me why my checking account was closed without any notification. My paycheck is supposed to be deposited to the account today ( XXXX/XXXX/2016 ) and I ca n't access it because the bank closed my account without grounds. I demanded the bank to reopen my account and an explanation but they ca n't tell me why it happened. Now I ca n't access my money for another 2 weeks until payroll fixes my direct deposit to a different bank and I will be behind on my credit card payments. I have attached a copy of my paystub which shows the banks routing number and the pay date.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Our loan was sold to Ditech.We enrolled in auto pay.They told us it would not be in effect in time for our XXXX payment. We sent a check they got it on XXXX XXXX. On XXXX XXXX they took an additional payment through the auto pay. On the XXXX of XXXX i called and after 2 hours was connected to a supervisor, who while being rude to me assured me that we would have a full refund in XXXX to 7 business days. I checked a few times to see if they had sent it back and on the 7th business day I called again, and was told a supervisor was looking into it and would call me back. They never called me back. I called back AGAIN only to be told that the person who took my call could not connect me with a supervisor because the wait time for the supervisor was longer than 5 minutes and they could not be on hold that long ... .... and again said they would call me. I have done correct.I never asked to do business with them! I have no choice of taking my business elsewhere and they refuse to give me my money back in a timely manor and have caused a me to bounce other payments and fees. They are refusing to talk to me or allow me to talk to who I need to and refused to give me a number to connect me with anyone else have records of all the people I spoke with on what day and time. Please help. Sincerely
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I came to the dealership to purchase a new vehicle. I was greeted by XXXX XXXX XXXX, the sales consultant, there. After we sat down and discussed the terms to the new car purchase, he and the sales manager, XXXX XXXX, told me the price for the new XXXX Toyota Camry SE was {$19000.00}. With that price being agreed upon, I went in the room to discuss the finance with the financial manager, XXXX XXXX. 
XXXX told me that because I did not qualify for a low interest loan, they would have to take away the {$2500.00} cash back offer by Toyota manufacturer so I can be qualified for the loan. That brought the total up to {$22000.00}. On top of that, he said because Toyota financial service will only guarantee me the loan if I purchase all of their warranties. At the end, the total came up to be {$31000.00} including tax and title fees. When finally drove the car home, I realized that the paperwork stated the car was a XXXX Toyota Camry SE but the car they did the paperwork on was a LE model, which cost less than the purchase price on the paperwork. 
I contacted the dealership later trying to resolve my problem but XXXX, XXXX, and XXXX refused to work with me to resolve the situation. Even though they provided me with misleading information on the purchase price and the actual model of the car. XXXX also falsely told me that I need to purchase all of their warranties in order to qualify for the loan.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (NY)

I am delinquent on my mortgage payments with TD Bank. I have applied for a loan modification which was approved. My loan payments were in the vincinity of XXXX per month and the modification bought it down to XXXX. I was very happy knowing that I was in the process of a divorce, severely limited in my finances and knew that the new payment would allow me to keep up to date on the mortgage. NO WHERE in the papers that were notarized and signed was a mention of any other amount other than the {$910.00}. I showed the papers to my divorce attorney, my close friends ... .everyone said that they only can see that TD Bank has approved XXXX. I sent the paperwork and waited for the check to clear for about a week. No check and no message from TD so I called and spoke to the person named on the form, XXXX XXXX. She told me that - no, my check was n't received, nor were the papers that were notarized and furthermore, my XXXX check was n't enough. My payment was actually higher - I do n't remember the exact amount but it was approximately {$1400.00}. When I complained and said the paperwork states a different amount she told me that there is escrow to be paid. I told her that no one told me the amount would be more and that there is a paragraph in their paperwork that states the amount of {$910.00} would be my monthly payment for the life of the loan. Her answer to me was that the amount was reduced from the original and I should be happy with that. What XXXX XXXX does n't realize is that {$500.00} more a month is not what I can pay. I called the following day and spoke to another rep, XXXX XXXX who was not only helpful but compassionate. He saw that the check was deposited and the paperwork received - the previous week. He looked through the paperwork and said he thought it was odd that I was told XXXX but the paperwork states XXXX. He told me to wait a week and possibly the correct info would be updated in their system. I called a week later and spoke to XXXX. She told me that the did see the higher amount and that all she can offer is for me to send a letter to the escrow department asked for the money to be spread out over a certain amount of months. I told her that first of all - no one contacted me from TD to tell me about this new amount and I am hesitant to sign anything further because this is fraudulent business practice. We get lured in with XXXX amount and then the next day ... oops, wrong amount ... it 's really higher. This is ridiculous! How can this bank do this to customers who are already in a vulnerable position and TD takes advantage knowing they are uninformed and worried about losing everything they own. And then to have their employees not have the answers to give to customers. I asked XXXX if this is their practice - to not disclose the correct amount and she told me she did n't know that answer. Somebody in TD has to be made accountable for misleading consumers in this way.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is account opened with HSBC Bank for over 7 years that is not known to me which is in default and is the reason why my credit is reporting so badly. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account opener.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I, XXXX XXXX XXXX, am a victim of identity theft. I have several accounts opened with the information that was not opened by myself. I went to the police and was cleared of all these fraud accounts. I have the certified and notarized police report. Equifax refuses to block the ID theft accounts under 605B of the FCRA. Equifax tries to claim sections 607 and 611 of the FCRA but those sections are not ID theft sections. Only 605B is. Equifax needs to obey the law, 605B of the FCRA that gives Equifax no more than 4 business days to block these id thefts opened accounts now not later. It's been over 30 days since they broke the law. 
XXXX has my file locked to a manager by the name of XXXX XXXX. He has lied about the documents he has received from me. Lied about me. I recorded all conversations, he says 1 thing then lies about it later. 1 account is XXXX XXXX XXXX. It is in a different name than mine, an address I never lived in, my license predates the opening of this account, plus law enforcement cleared me of opening these accounts. Certified and notarized. Still, these credit-reporting agencies refuse to obey the law. This harm needs to end now by and through your agency, the CFPB.
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has executed a robo signed real estate document related to this account. However, there is no County Recorders Office record of the document. When I brought this fact to the attention of the single point of contact and requested a certified recorded County Recorders Office copy my request was ignored. Bank of America only response was to state that there is no requirement all real estate loan documents be recorded unless the bank intends to collect on any default through foreclosure. 
Fast forward to today, this document is now more than five years old and unrecorded. 
Bank of America has now caused to be recorded a Notice of Default and Election to Sell with California Declaration and a Substitution of Trustee on a now defunct Deed of Trust where no consideration has been made, accepted, or applied to the associated home loan mortgage account since XX/XX/2009.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phoenix Financial Services LLC (FL)

PHOENIX FINANCIAL SERVICES has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). PHOENIX FINANCIAL SERVICES has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting PHOENIX FINANCIAL SERVICES to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

PHOENIX FINANCIAL SERVICES has no proof of claim with verified, validated authenticated documentation. PHOENIX FINANCIAL SERVICES has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

PHOENIX FINANCIAL SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Consumer complaint received 2016-05-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was sued without any notice with a debt collection from Capital One. The debt was several years old. I came to work one day to see a garnishment on my pay stub that put me in to a pretty bad financial situation. I had tried to work with the settlement attorney to see if any other arrangements could be made, but they would not hear or accept my offers. 

After this went on for a few months, I got a call from the settlement attorney telling me about great settlement offers. I contacted my payroll department at work to find out the garnishment was revoked due to an incorrect filing. My payroll department did not release any funds to the attorney from the garnishment, and will be returning the funds back to me. I had called the settlement attorney to let them know this information. They refused to give me an amount to pay off the settlement, and are wanting me to attempt to set the offer amount in a timely fashion.
Consumer complaint received 2016-04-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

On or about XXXX 2013, I completed my payments to American Honda Financial ( AMF ) account XXXX. I delivered the car per received instructions to a XXXX dealer located in the city of XXXX XXXX, California. At that time the vehicle was inspected and I was release of all obligations under this contract. A couple of weeks later, the American Honda Financial contacted me requesting information about the whereabouts of the car. I disclosed the information and they were unable to locate the vehicle for days. When the vehicle was finally located, AHF requested a payment of {$5200.00}. Since then I have requested information on why I owe this money, AHF has been unable to provide a detail explanation of the a ledge debt. Per my contract with AHF, I have fulfilled my obligations, now, my credit report has been affected by the unilateral actions of AHF.
Consumer complaint received 2017-02-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Big Picture Loans, LLC (CA)

I received a phone call this morning XXXX XXXX from XXXX XXXX XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with Castle Payday Loans stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.
Consumer complaint received 2016-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX XXXX on behalf of Wells Fargo Merchant Services made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.