davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (OH)

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

Upon an attempted request for a modification package needed a few months go, this company continue to keep giving a ring of a run around telling me that someone will be contacting me and I have yet to receive a call. I had to send a via certified mailed letter in to get a final acknowledgement of received signed request to add an authorized person to the account, after several failed attempts in faxing it to the fax number provided. 
Dealing with this company seems to be like pulling teeth and they continue to just keep you on a goose chase, just in getting information in an attempt to prevent a possible foreclosure before matters starts to get tighter with my brothers health care financial needs.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX Aliases that I do not recognize and I believe there are using my social security number for unknown reasons. The XXXX aliases are completely unknown to me. I am here to find out why there are variations of names on my credit report. My goal is to deteriorate any false information that appeared on my credit report. Thank you.
Consumer complaint received 2017-01-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (IL)

I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all three bureaus ( XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements.
Consumer complaint received 2016-05-24
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Onity Group Inc. (MD)

indecome global services same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, ocwen, XXXX DEBET Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors XXXX and conspirators named indecomm global services, XXXX, OCWEN, XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, Gmac, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by indecomme global services prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure mill law XXXX Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX XXXX 's Motion to Dismiss in the case Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX, XXXX, et al., No. XXXX, XXXX XXXX ( XXXX., XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund XXXX to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
Consumer complaint received 2017-01-14
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (NY)

This Company would call my phone 10-20 times per day and they would also call my family. neighbors and friends and most of all my Mother who then relayed conversations with the company about where i was working, and asked her if she was able to let me borrow the amount of money i was late paying and when she refused they would do the exact same thing with my sister. They then locked me out of my own account and i could n't log in to make a payment. i sent 10+ emails and help tickets to get the account unlocked but they refused and repossessed my car. I never recieved any type of help from them after they totally cut me off from my own account and info. i called their numerous times trying to get it unlocked as well. I explained that it was my one and only way of making payment and they said i had to pay to get it unlocked. Their resolution for everything was known by them that it was impossible for me to comply. I was to call instead of using the website but i repeatedly and specifically told them that where i live Cell phone calls were impossible and i do n't have a land line. Knowing that email or the website was my limitation they used it to make demands and made them my only option. I was in the 4 th year of A 5yr loan that i accessed only on their website coobberating my assumption of ulterior motives and unfair, underhanded and unheard of method of customer support.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

This is a very very serious situation with USAA SAVINGS BANK and their credit card department and insurance department and bank department. Due to their horrible credit card department and every department USAA illegally put our credit card in collections. This situation can be proved in court of law and we will not rest until USAA takes care of this. This is the most unprofessional, thieving company that disrespects it clientele and does n't care if people are dieing, homeless, careers ruined or what not from their illegal and highly irrational behavior. In 2012 myself and my co-signer illustrated we were idenity theft through our banking account and lost over {$35000.00}. A person was arrested and we filled out police report. Usaa then shut our accounts down banking and held on to our money for over a month without reason why. This caused a huge rift in our fiances, then we noticed our USAA CREDIT CARD had tons of suspicious activity similiar to banking accounts, well USAA instead of helping us when we asked, they decided to just put our credit card in collections illegally when we were paying more than balance owed on it and I never had missed a payment in over XXXX years. Usaa exhibits this illegal and highly ruthless behavior and when asked to fix it they give the public a blanket statement WE LOOKED INTO AND FOUND NOTHING WRONG. That is it, well there is something wrong. We had FEDERAL TRADE COMMISSION, ATTORNEY GENERAL OFFICE and many other government agencies federal and state. USAA needs to not only be highly investigated and class action lawsuits started but every customer needs be aware. I been with them for 20 years and I lost my whole life and my partner is XXXX cause of their illegal behavior and this needs to be taking all way to to congress if not fixed. I will keep this on this site and go to every agency if not fixed properly. And I understand you have to give them 45 days, I will personally feel I need see a fix in 15 days. I never seen a company behave so illegally and get away with so much.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Hi, I made a payment to my credit card in the amount of {$3700.00} and an other of {$100.00} ( the full statement balance ). These payments were made on Friday XXXX XXXX 2016. My husband two hours later made a payment of {$240.00} to his credit card ( the full statement balance ). All payments were paid by my external XXXX XXXX ; XXXX XXXX XXXX XXXX on Monday XXXX XXXX 2016. My husbands credit card was paid and the balance currently is showing {$0.00} and a full credit line. However, my credit card is reflecting {$67.00} available credit, this even after being charged {$51.00} in interest. 

Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor XXXX '' who 's Agent ID was identified as XXXX. She indicated that she did not know why, but that Capital One 's policy is that they can hold money for four ( 4 ) days. XXXX could not identify what indicators would trigger this business practice. XXXX also indicated that Capital One has reported to the Credit Bureaus that my current balance is {$180.00}. My husband voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. XXXX 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! 

My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of {$3800.00} but an available credit of {$51.00} could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to XXXX 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. XXXX 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. 

HC
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I was a few days late on a payment and the branch manager contacted my mother to discuss my account. I am XXXX years old and my mother does n't need to be involved in this. My mom was told they could n't reach me and " my account very delinquent ''. I work nights and sleep during the day when they call. My account was not very delinquent but only by a few days.
Consumer complaint received 2017-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (FL)

My XXXX mortgage payment was missed due to an error by my credit union where the payment was drawn from. Dovenmuehle Mortgage contacted me via written notice. I called Dovenmuehle on XX/XX/XXXX to explain to the the situation and they told me that they will be foreclosing. The loan was 35 days delinquent and they demanded payment. I was able to pull funds from three different sources and sent cashiers checks on XX/XX/XXXX to cover the {$2700.00} XXXX and XXXX Payment that they said was due. On XX/XX/XXXX, Devonmuele sent a real estate photographer to my property presumably to list/foreclose my property. Dovenmuehle did not contact me nor did anyone have my consent to enter my property. Furthermore, Devonmuehl has been paid the amount due.
Consumer complaint received 2017-01-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

An Atm transaction for {$700.00} was withdrawn from my account on XXXX. I contacted Bank of America on the next business day XXXX XXXX sharp, called them got and new card ( as I did not have my card at the time of the transaction ). I reported the fraudulent activity to them opened up a claim and they gave me a temporary credit for the funds lost. A couple of weeks later I get an email saying that my claim was denied and the funds are being reversed because they believe the transaction to be authorized. I do n't understand why they believe so as THEY were the ones who sent me a message on my online banking telling me that there was suspicious activity on my account. Secondly I do n't withdraw big amounts such as {$700.00} from an ATM if I were to withdraw that I would go inside the bank and use proper identification, I thought bank ATMs have cameras so I can not understand why they do not know it was n't me. Even given the time of the transaction it happened late at night so when I tried to call BoA to report it the office was close and something like this has never happened to me so I do n't know what to do. I 'm trying to contact them to soeak to a representative and plead my case but I keep getting the runaround.
Consumer complaint received 2016-12-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have tried and tried to get my payment history correct with Bank Of America. I made payment arrangements of {$740.00} so far I have made two which equals to {$1400.00}. I just checked my credit report and they are reporting that I am past due for {$1500.00}. this is in correct. Bank of America has not updating my credit and their has n't been a decrease of my balance of the second {$740.00} payment that I have made on XX/XX/2016. This is causing me a great deal of XXXX due to me being a female and a single female on top of that. I have made the arrangements of {$740.00} to catch up on the past due mortgage payments, and they still report I am behind on my Mortgage.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I have contacted citibank and can not get through to there XXXX fraud department or to anyone knowledgeable. On XXXX XXXX, I placed a fraud alert on my credit report due to recent fraudulent activity wit XXXX XXXX. XXXX XXXX, there was a Citibank N.A hard inquiry placed on my account. I have contacted the credit bureau regarding in which I was told I would have to contact the financial institution and get something in writing to send to them. I have contacted Citibank 2 days in the row in which I was told I wold have to speak with every single card department they have to figure out what type of card was applied for. That is absolutely ridiculous! How can I know what type of card was applied for? Am I supposed to find the person who did it and ask them? All I would like is for the information to be taken off of my account.
Consumer complaint received 2016-06-26
Product: Prepaid card — Government benefit payment card
Issue: Fees — 
Company: Neon Newco Corporation (NV)

When I prepared my taxes through XXXX XXXX. Once you complete your tax return you have several options for getting your tax return. One of those options was a netSpend Premier Visa Debit Card. Seems easy but read the fine print of the agreement before you opt for this card. There are fees that will deplete your refund and they will continue to charge you fees into a negative balance. The only way you can do business with them is through the Internet. There is no monthly billing, no statement of charges or purchases and no notification of your balance or fees charged when charged. If you call and try to close the account with a negative balance they will tell you that they will charge off the negative balance and off course that will go on your credit bureau. You options are to go to a XXXX or XXXX, load put money on the card to clear the negative balance then call them or go on the Internet and close the card. After raising the roof with them, being that it was a small negative balance they agreed to waive the small negative balance and close the card.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed XXXX bankruptcies are listed on my XXXX credit report. They both came back verified. I asked XXXX to re-investigate these accounts and per section 609 of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from my credit report.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC (GA)

I had a medical procedure two years ago and used XXXX to pay for my procedure. Monterey Financial created our loan. We have been paying our loan to them on a monthly basis. Monterey started showing on our credit report that we were past 30 days and we have only been past 30 days one time. I contacted Monterey several times asking for an audit and was not given XXXX. We disputed with credit bureaus and then received a contract to validatensure our debt. When we got it we noticed the amount financed on contract was not accurate. We contacted Monterey and was told the amount did not matter because we signed the contract and it was a binding contract and we were responsible to pay. Please help!!
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (LA)

I opened a CitiGold checking account on XXXX XXXX, 2016 after receiving an offer awarding XXXX XXXX XXXX miles upon the opening of the account, and completing several activites ( debit card purchases of {$1000.00} and 1 or more bill payments for two consecutive months, all within the first 60 days of opening the account ), with promotion code XXXX. I successfully opening the account, completing both activities on XXXX XXXX. I verified the terms of the promotion code with an online representative, and said that the miles would be awarded 90 days following completion of the requirements, or XXXX XXXX. I waited the stated time, and when they did n't post to my XXXX XXXX account I contacted CitiBank. They stated that since I was not 'targeted ' that I would not be eligible for the promotion. Nowhere on the terms and conditions of the promotion does it mention needing to be targeted, only that I needed to receive the promotion, which I obviously did since I used that promotion code. I submitted another request for them to reevaluate their decision about 1 month ago, however have not heard anything since. Therefore, I believe that I am due the XXXX award miles promised with the terms of the promotion.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX and XXXX XXXX XXXX reported individual credit card debts on my credit report for seven years. In 2014, they sold each of my accounts to LVNV Funding , LLC and they began reporting on this debt. Is this allowable. I read that a debt has a life expectancy of XXXX years, however this debt has been reported on my report for nearly 10. Furthermore, I 've disputed the debts individually through the credit reporting agencies and I never receive any correspondence, yet the debt remains. Please assist me.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (WI)

I had an outstanding balance with XXXX XXXX in the amount of {$750.00} with an original XXXX account # XXXX. I had been receiving collection letters from Stellar Recovery, and eventually I paid this account through a settlement on XXXX XXXX, 2016 in the amount of {$220.00}. I have received a settlement letter from Stellar Recovery on XXXX XXXX, 2016 and the account has still not been removed from my XXXX credit bureau as of today. It is actually showing up on my bureau as I opened the account on XXXX XXXX, 2016 and is showing a negative balance and it being late last reported XXXX XXXX, 2016 with a negative balance of {$520.00}. I am trying to purchase a home and my FICO recently went down XXXX points this month and my credit report is showing an active collection. I have tried calling Stellar Recovery and keep getting the run around every time I call them and can never speak directly to a collections manager.