davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc. (FL)

DBA PARAGON REVENUE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DBA PARAGON REVENUE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DBA PARAGON REVENUE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (GA)

A couple months ago I became aware of the existence of a credit card opened under my elderly mother 's nickname listing me as an authorized user. I believe her caregiver snagged the card from the mail and activated them. My mother nor I have ever used these cards. I have been sent in repetitive circles by the credit card comapny trying to get this issue investigated as the fraud it is.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (OH)

I paid my XXXX scheduled payment. I then sent a separate check with the instructions stating, " APPLY TO PRINCIPLE ONLY '' on the check. So, I sent 2 different checks at the same time. They will not apply my 2nd check to only the principle balance and are only applying a portion then applying some to interest and then pushing my next scheduled payment to XXXX. I called to complain and explain that the 2nd check is a principle only payment and asked to speak with management and she refused to transfer me. Instead she gave me a summary of how loans work. I am demanding that my 2nd check sent be applied to only principle. Please help.
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY (CO)

Had a business credit card and business assets with wellsfargo. Small business. The company folded at which time we found an employee had run up debt on the credit card. Was called several times by wells and we explained we were pursuing compensation for the debt and selling assets, but we had to resolve before we pursued. Was advised to hold off paying. Lawyer filed paper work with Wells branch explaining the situation. Wells debt collector called and said they had to be paid. I said I needed to speak to my attorney and would get back to her on how we thought we would resolve. After that phone call the agent withdrew the money from XXXX of the partners wife 's account. He has a separate account at a separate bank. When I called the debt collector she said she was angry because I hung up on her and she could do what she wanted. 

I asked for name or agent number she refused to give. Asked to speak to her manager and he also refused to give a name or agent number. Advised we would be removing all accounts said they did not care. 

Called the branch and they had the paper work filed by lawyer but apparently had done nothing with it.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Navient is my lien holder for my student loan and I have make extra payments presently and in the past. The company will not apply the extra payments towards the principal rather the company applies the additional payment towards future payments. The most recent example is I made an additional payment earlier this month and the company applied the money towards my XXXX payment. Their payment stub does n't include any method to apply overpayment towards the principal. This has happened numerous times in the past and when I call I am told that the payments were already applied and cant be changed.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IN)

WE RECEIVED OUR HOMEOWNERS INSURANCE RENEWAL STATEMMENT XXXX XXXX TODAY AND NOTICED THAT WELLS FARGO HOME MORTGAGE PALCED A LEIN ON OUR POLICY. HOWEVER, WE DO NOT HAVE ANY ACOUNTS WITH THEM. WE DID APPLY FOR A MORTGAGE FOR A DIFFERENT ADDRESS, BUT WAS DENIED. XXXX XXXX FILED PAPERWORK ON XXXX XXXX TO PLACE THIS LEIN. SINCE WE WERE DENIED THE LOAN I WOULD THINK IT GOOD FOR WELLS FARGO MORTGAGE TO MAKE IT THEIR PRACTICE TO MAKE SURE THEY HAVE DONE NO ADDITIONAL HARM TO THEIR APPLICANTS AND DOUBLE CHECK MAKING SURE THEY HAVE N'T INFRINGED ON APPLICANTS.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (PA)

I am writing to mark a formal complaint once again concerning the predatory strategy, threatening foreclosure, government loan modification denial that CitiMortgage has been using over the past months to " drain '' of money since they are in the capacity out spend the consumer send the consumer there bill according to legal funding that is looking into my case. 
During my last complain, CitiMortgage committed to steps they CitiMortgage was will to take to resolve what could have be the solution I have been seeking and asking for over the months/years. To the mortgage company has continue their tactics and will not give any attention to what they say they will do the remedy the problem to begin a fresh start. 
Attached, kindly find supporting paper works to support that the action of the CitiMortgage this predatory.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WA)

Our Mortgage lender sent us a Notice of Default but failed to comply with RCW 61.21.031 and did not send us a " Notice of Pre-Foreclosure Options or Important Rights for Homeowners '' BEFORE sending the NOD. They claim we " responded and did not request a meeting '' but nothing has been offered to us. There seems to be a {$16000.00} discrepancy between the payoff and the NOD as well. 
What little communication we have with them causes us much confusion as they are putting inconsistent information on papers ( including a wrong address on the NOD and thus a certified letter from us was undeliverable ) and can not answer questions via telephone. 
Our house has XXXX pre-approved pending sales and due to the time sensitivity of this, the NOD action they took could result in a Notice of Trustee posting and thus making this public as well as reduce the value of our home and thwart our efforts to rectify our situation via the sale.
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (CA)

XXXX XXXX did some work on XXXX XXXX teeth. When that work was completed and paid for. XXXX XXXX was SUPPOSED to remove XXXX and give XXXX.. BUT they did the first treatment over again and did not want to XXXX XXXX 's teeth and give him a XXXX So we went to a different Dentist to get a second opinion.. AND XXXX 's XXXX were beyond saving they were XXXX and causing him a Great deal of pain and had to be removed IMMEDIATELY, or cause other health issues! XXXX was treated that day. We contacted XXXX XXXX and told them what had happened and they would not return our calls or make any contact with us and then sent us to collections for work they did not do. Now they want payment for something they did not do AND XXXX has no more XXXX and only XXXX.
Consumer complaint received 2016-05-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

XXXX/XXXX/XXXX signed mortgage papers for {$12000.00} with Huntington Bank. The note was reaffirmed on XXXX/XXXX/XXXX. The loan has since been paid off and the account closed. However there is still a lien on my home and no one at Huntington Bank will take responsiblity for correcting the problem. They have admitted the note is paid but for some reason they do not know how to request the release on a mortgage that was paid off years ago. The latest person I spoke with ca n't find a record of the loan.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was unemployed and my unemployment benefits ran out. I had an obligation with a payday loan. I notified them of my situation and asked them to remove the automatic withdrawals, they kept on. I went to the bank and explained, they said that even if I closed the account it will be hit by the ACH. Due to these and other issues, I applied for bankruptcy and received a discharge of my overdraft at Bank of America as well as the payday loan. Bank of America acknowledged the bankruptcy sentence but has not removed me from XXXX, XXXX XXXX. No bad check, no fraud attempt just a bad unemployment period and Informed the bank.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (PA)

I attempted to sign up for a credit card at XXXX XXXX to receive an additional 20 % off of my purchase. The sales associate told me that it was a soft inquiry, and that if I was not approved, it would not show up on my credit report. After looking at my credit report ; it turned out that it was a hard inquiry, and not a soft inquiry as he had told me. I would not have attempted to sign up for the credit card if I had known this to be the case.
Consumer complaint received 2016-12-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (UT)

I did not ask for a loan from Rise Credit - They are claiming i have an open account with them and that they lent me money. I did not receive any money from them and the last XXXX digits of the account they claim to have sent the ACH Transfers do not match any account that i own. I have explained this to them and they will not move forward with trying to find out who the money was transferred to and they sent me to collections. 
They would not send me any proof of request for the loan. I believe they are a fraudulent company and my credit is now also being affected by their claims - i have been unable to resolve this with them directly and the collections company is continuing to pursue action even though i have explained that the account is fraudulent.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TAMMAC HOLDINGS CORP (OH)

Representation of Tammac Holdings Company made contact with the mortgage holder, XXXX XXXX XXXX, XXXX. A statement made for representation of XXXX XXXX. 
Did contain information representation would send information to this XXXX XXXX XXXX XXXX, Ohio XXXX To award the mortgage holder a right to inspect documentation.Give an opportunity to this lender.To show a legal right to maintain information was correct for advancement of land, purchased for an increase in an estate.Would entitle the mortgage holder an opportunity to review this claim.And address the situation for my daughter to consider these options.Has indicated, currently, these papers were not forwarded to allow an inspection.Reveal it necessary to forward funds to this Corportation.Give the company an opportunity to increase a wealth with these finances.A reasonable amount of time has provided the Corportation.Time to forward these papers and assure the mail delivery of these items.Would provide a reason to finance an estate.To increase the wealth of my daughter for her benefit as an American.Please address this Corportation.And refer to a legal schedule for confirmation about the process of lending money for property.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AR)

I bought a car in the summer of 2015 financed through Santander Consumer USA. Santander reported a charge off to my credit report even though I still maintain possession of the vehicle and the account is current. They refuse to redact the charge off and negative reporting from my credit or even refuse to report the account in good standing and the on time payments i 'm making. Sounds predatory to me.
Consumer complaint received 2016-07-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OR)

OVERVIEW : Ocwen Loan Servicing LLC failed to fully refund an over-payment on my home. The refund check was short by {$460.00}. 

FACTS : 1. Ocwen had serviced my home mortgage until I closed on the sale of my home on XXXX XXXX, 2016. 
2. An extra auto-payment of {$2600.00} was made on XXXX XXXX, 2016. The payoff amount declared by Ocwen was fully paid at closing on XXXX XXXX, 2016, so the auto-payment of {$2600.00} was an over-payment. 
3. I called Ocwen 's Customer Care number ( XXXX ) on XXXX XXXX, 2016 to inquire about a refund of the over-payment. I was told that a full refund check was mailed on XXXX XXXX, 2016. 
4. The refund check arrived on XXXX XXXX, 2016. The postmark shows it was mailed XXXX XXXX, not XXXX XXXX. The postmark is coincidentally the date of my inquiry. Furthermore, the check was backdated to XXXX XXXX, 2016. Finally, the check was only {$2200.00}, not {$2600.00}. Consequently, it was short by {$460.00}. 
5. I called Customer Care again on XXXX XXXX, 2016. I was told by Customer Care representative " XXXX '' that my complaint would be submitted to the " Refund Department '' and I would need to wait for up to ten business days to get a response. 

CONCLUSIONS : 1. Ocwen failed to promptly refund the over-payment. 
2. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that they had already mailed the full refund check on XXXX XXXX. 
3. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that the check was a full refund of the over-payment of {$2600.00} that I had submitted via auto-payment on XXXX XXXX, 2016.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IN)

I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.
Consumer complaint received 2017-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Amsher Collection Services, Inc. (FL)

My friend XXXX XXXX and I, we had together a phone account on XXXX. A few months ago we decided to move the account to XXXX causing generating a debt with XXXX but covered by the XXXX XXXX XXXX because we were doing a Buy-Out. The XXXX company sent XXXX prepaid cards where XXXX were lost and we had to wait until the processed the new ones. During this time, the Company Amsher were calling trying to collect the debt for the XXXX account that was closed ( in around less than 3 month ) We explained to them that we were waiting the prepaid cards from XXXX in order to pay. XXXX XXXX, my friend, one day call me and says that a representative from Amsher was calling him continuously and he does n't speak XXXX, so I told him to allow them to call me directly. I spoke with a lady I do n't remember her name, but was the same lady all the time we spoke in many occasions, also we made a payment for around {$1600.00} with the XXXX first prepaid cards that arrived around XXXX 2017. On XXXX XXXX, 2017 this lady called me and says that I had to pay something in order to keep the arrangement they provided me, otherwise, will disappear, after making pression to pay something that day, I accepted to make a payment for {$300.00} for a debt that is not mine, that I am doing a favor, after the PAYMENT I told the lady that she has to wait until we receive the prepaid cards in order to pay the rest, because that debt is not under my name! Today, while I was checking my bank account, I found that my account was debited for {$1200.00} from AMSHER without any verbal or written authorization!!! they took the attribution to charge my account without know if I had money or not, without matter them if it would affect me or not, also I am traveling with my wife and my mother-in-law on Thursday XXXX, 2017, we already have the flights tickets and they had destroyed all my plans, because something that is not my responsibility and I am trying to help a friend mine, this IS NOT MY DEBT! 
My friend name is XXXX XXXX XXXX and the last XXXX number for his social are XXXX. There is no way to provide this information in this complaint.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MN)

I opened a Delta American Express credit card. Before I activated the account, I received a mailer offer for XXXX miles with the same credit card. I called American Express on XXXX XXXX and told them about the better offer. At that time, they promised me that they would honor the offer on the mailer ( Code : XXXX ). I called them today ( XXXX XXXX ) because they had not honored it. They said that the marketing team had decided not to honor it. I feel like I was lied to ... ( I continued to use the card assuming that the offer would be honored and I never received a notification that it would not be ) Their response after a couple of manager escalations was that they made a mistake and would not honor the offer. I therefore closed the account. I would like to ensure that I am not charged the annual fee since I closed the account within 32 days of opening it. I also want to ensure that they do not lie to future clients
Consumer complaint received 2016-07-01
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: World Omni Financial Corp. (FL)

Went to Toyota XXXX, XXXX XXXX FL to lease a car. Saw an ad on TV for two year lease, low monthly and low down payment. Sales Rep XXXX XXXX went to computer, asked my SS # to find out my credit rating. I told him " excellent. '' The sales mgr entered and asked, " Did she pick out a car, a color? '' I did. I wanted to nail down low down payment and low monthly payment on two year lease. Sales mgr replied, " How much do you want to pay? '' Can you put XXXX down? '' Then he asked for my car keys on a XXXX that was at the end of a 39 month lease that would expire in 3 months. 
Sales Mgr who took over the deal, never told me what residual value was on the Nissan Altima, just, '' I 'll take care of it '' When I got tired after two hours in the showroom, I said I wanted to think about the lease and asked for my Nissan keys and they said, " We put plate on new Corolla. I was tired and I caved. I went to the finance manager XXXX XXXX. 
His first words to me were, " we have XXXX cameras in the ceiling. '' I felt intimidated. I signed a sheaf of papers and went home with the Toyota. 
The next day I saw in my paper packet, XXXX signed copies of a " Total Care '' package costing {$530.00}. I went back to dealer. They took {$18.00} a month off the three year lease payments when I wanted a two year lease as the TV had said. Oh, XXXX XXXX gave me XXXX copies of the Total Care package I had signed three times. I feel this was to intimidate. As if to say, " Do n't come back here complaining about this, you signed three times! ''
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Swe Homes LP (TX)

I have a mortgage with S.W.E. Homes and they handle my escrow account also. I have recently changed my insurance company. I have contacted S.W.E. Homes over a month back and ask them to use my escrow account and pay the initial down payment on the new policy. They have refused and have not given any reason as to why!!! 
S.W.E. Homes Contact : XXXX XXXX. 
XXXX XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2017-07-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Camelot Financial Services, Inc. (OK)

Was contacted many times at my work number. I deal directly with the public and always have a client or fellow associate near by. Told XXXX  every time she called please do n't contact me at my work number, but she continues to do so. Last time she contacted me at my work number I was in a meeting with my supervisor and our regional supervisor. I had to explain to them that it was a personal call and what it was pertaining to. I then was pulled aside and given a verbal warning from my supervisor about receiving personal calls at work. These calls are threatening my employment and need to stop. XXXX uses scare tactics when she contacts my husband, she will tell my husband if we do n't call her or make our payment she will be forced to call XXXX at work knowing she 'll get a response.