davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (LA)

I am one of Rush card user, I have been really stressed out from this matter. I got behind on my rent, lights, and other bills, as well as my storage. My daughter purchased my medicines, and also had to buy me food and personal items. I finally got my money on the XXXX XXXX after being told that the card was to be locked for one day XXXX XXXX, I spend so much money back and forth to the ATM machine checking to see if my money was there having to pay people for, and for helping me.I could n't get my own money. Rush Card only want to give us a few months without having to pay for monthly fees. Not caring how stressed I am and the head aches I been having and still having because I am broke now, after having to pay out all my money I get Social Security and XXXX, I am on a fixed income, now I wo n't have anything for XXXX. I had problem sleeping for so man nights and still wondering what I going to do about the rest of the month, since I only get money once a month This is all because of something they messed up.. Then they have you on hold for hours, I could n't check my card online. They say just go to the ATM, and see if you can get anything out, we working on it. I have been with Rushcard for over 8 years and I have been locked out of my online account before, but they help me reset my password. Then money come up missing, and I was told it 's because the merchant got their money, but at the time I made the purchase my balance go down, then more money come out and I know I had n't made any new purchases. This is so sad that poor people has to go through this. I filed a complaint with XXXX, and I am searching hard looking for a lawyer that handles Class Action Law Suits. XXXX XXXX and his Rush Card should pay us for what we are, and have went though. Giving us a no fee deal is nothing, like that makes up for everything. Somebody " Please Help Us '' I am so done with this Card I can send you my late bills receipts or what I have and statements from those I borrowed money from.
Consumer complaint received 2015-04-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SUN LOAN COMPANY INC. (MO)

Loan payment was due on XXXX XXXX. I have been Ill and I am in the process of filing bankruptcy. I came home to find a business card in my door from the manager of Sun Loan Company in XXXX Missouri with the amount I owe instructing me to get " ahold '' of us. 
This was next to a notification of a package delivery. I feel I had notified them of my intentions of Bankruptcy. I did change attorneys. I also advised them of being ill and my inability to pay.
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I was charged {$72.00} in overdraft fees on XXXX. Last time I called about a fee I asked if my line of credit could be setup on my checking account and to opt me out of overdraft. I was lied to about this and was charged {$72.00} overdraft fees due to this. I am on a fixed income and can not afford to pay these fees due to their mistake. XXXX of the fees was for {$3.00} that should have declined due to being opt out. I never signed a form opting me into overdraft coverage and asked to see if but was told they did n't have it. Please help me get all {$72.00} refunded.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation (NM)

The Advantage Group , Inc. Is trying to collect a debt that was settled back in 2012. This Collection company bought a already paid debt and has violated my rights in several ways. They are as follows : I was never given the right to even question let alone settle this debt with the Advantage Group, INC. 
I was never contacted in writing or by telephone about owing this debt with the Advantage Group, INC. they are not the original vendor and were required to contact me directly in regards to this debt. This was never done by their agents after purchasing a false debt. 
I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt through proper notification. This alone violated my rights. 
The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights also. 
This debt was paid directly to XXXX XXXX for service they rendered to XXXX XXXX at On Call Doctor in the month of XXXX 2012 ( SEE XXXX card receipt ). 
Furthermore ; I had no responsibility to XXXX XXXX XXXX to pay any additional fees when visiting the on call doctor 's office. The Advantage Group, Inc. is also trying to charge an interest fee to a disputed fee of {$170.00} from the original billing from XXXX XXXX. In the months in their response to Consumer protection were the months that I did deal with XXXX XXXX in regards to their erroneous billing. The Dr. office was paid for any and all services at the same time of my visit. 

The collection of any debt needs to notify the accused debtor and that same debtor has the right to dispute it. I was never given that right with The Advantage Group XXXX XXXX. They have never sent me any proof of their attempt via U.S. Mail that I owed the XXXX XXXX debt.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern, I, XXXX XXXX applied for a modification to Capitol One through my bankruptcy Attorney ( XXXX XXXX ). I was then denied a modification. I was approved a payback plan of {$27000.00} down and {$6000.00} with in one year. I was not able to accomplish this. A Deed In Lo, Or a Short sale. Was then told from Capitol One there was nothing more that I could do to save our home. 
We then went to XXXX a consumer advocacy group. There I applied again for a modification. Was again denied a modification. This time was only offered Deed in Lou, or Short sale. I have contacted Capitol One and Escalated my file on my own. In the escalation department ( XXXX ) I spoke with a lady named XXXX. She tried to help. She gave me a # to XXXX XXXX XXXX XXXX # XXXX. She was also told from her managers there was nothing more that she could do. I called the above XXXX XXXX # and was told if I am in bankruptcy that XXXX XXXX can not help me at all because they are a debt collector. The only thing I could do was work something out with Capitol One. Capitol one has told me there is nothing more that they can do. My monthly salary is {$5700.00} My first mortgage is {$120000.00} my arrears are {$73000.00}. I 'm being told from another consumer advocate that there is a mod that will work. Called an Investor mod. The mod is $ % for 40 years. That Makes our payment Approximately {$1300.00} per month. Or if there is an alternative mod that will work for us. Were not interested in loosing our home. 
Please help us save our home.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX Citi Cards ( Citibank N. A. ) sent my credit card to an unknown address. I had all cards in my possession and had early warning and notification for any activity. In which I always received warnings for purchases I made on my own card. In this case there was no notification of sending a new card to a XXXX party address. The XXXX party charged approximate {$5000.00} cash in $ XXXX increments. This should have been a huge red flag with notifications to me. Now I want to sue Citibank N.A . in Ca. in XXXX XXXX, however seems to be a discrepancy with the address for process of service. Nothing on the XXXX of state site for CA. Now in XX/XX/XXXX Citibank has sold the fraudulent debt to XXXX XXXX. What can I do to Resolve this fraudulent account on my credit report? 
XXXX XXXX
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Personal information hacked from records at the Department of Veterans. 
Affairs. Had to cancelled and be reissued bank card and credit cards. 
Attempts to purchase credit card by hacker cause hard hits on my credit report.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I have optional overdraft protection on my checking account with Navy Federal Credit Union, but I have been advised by XXXX different representatives over the years that they do not charge the fee if the negative balance is less than {$5.00}. I have part of my paycheck direct deposited every two weeks ( {$210.00} on XXXX XXXX ). In addition to that, I deposited {$80.00} on the XXXX and XXXX. I used the account on the XXXX and deposited cash into the ATM at XXXX XXXX to cover those charges. Cash is 100 % guaranteed funds. I wake up this morning to a {$40.00} overdraft fee and my account in the negative for {$42.00}. As of XXXX XXXX, my account was in the negative roughly {$.00} cents. XXXX charges on the XXXX, XXXX of the were completed by midnight and my deposit is still pending. I called a spoke to a " supervisor ' by the name of XXXX who treated me like I was incompetent, stupid and confused. I am XXXX years old and I have been in the banking/finance industry for almost 11 years. I asked for the {$40.00} fee to be removed, she stated they do n't waive those fees. I feel I have been wronged since I have been advised they do n't charge the fee for balances less than {$5.00}. I am at a negative {$42.00} ( {$40.00} of which is the fee ). Navy Federal is known for their horrible customer service and very unsymapthetic and uncaring management staff. 

I had decided to give this company another shot after having been with them for 12 years previously and now, I do feel like the stupid one. I should have known better.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WI)

I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list.
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Adjustment Service, Inc. (FL)

I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management XXXX XXXX XXXX collection agency This company calls using a robo-caller and when I answer, the line is dead ; no one is on the line. We have been getting these and other calls for about two months. I called the number back and got this information. I have no debt for collection. My best guess is that I just got this new phone number and maybe the previous owner of the phone number was a deadbeat, not me.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have XXXX accounts listed on my credit report by a collection agency called " XXXX XXXX XXXX ''. I have disputed both with Transunion and the response was a remark on my report indicating " DISP INVG COMP-CONSUM DISAGRS ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type both are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither Transunion nor XXXX XXXX XXXX have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

We had a mortgage with XXXX XXXX XXXX, which mortgage was assigned to GreenTree Servicing, LLC. In XXXX 2015, we received calls from GreenTree stating that our payment had increased and we needed to pay an additional {$36.00} per month ; however, no one could explain why the payment was increased. We were told the taxes must have gone up ( we retrieved the real estate tax statement - no increase ). We were told that the homeowner insurance policy was increased ( we called our insurer - our premium went DOWN ). We requested and received the escrow statement from GreenTree. It states that our payment is based on projected figures and states that our payment increased to {$25.00}. On XXXX XXXX, 2015, I was told that we should have paid to avoid the hassle of phone calls and a bad credit report score. On XXXX XXXX, 2015, I faxed a letter to GreenTree requesting that the phone calls cease and that they validate the amount we owe. GreenTree responded by sending us a mortgage default package. Our regular mortgage payment is paid up to date, as it is paid electronically by our bank.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

My mortgage servicing company is Ocwen Loan Servicing. I was advised that my escrow account need to be built up. I mailed check on XXXX/XXXX/15. Although check was received into system on XXXX/XXXX/15 ( confirmed by customer service ), it still has not posted to my account, and Ocwen has adjusted my payment to reflect I did not make this payment. I have emailed them XXXX emails with complaint, written XXXX letters with same complaint and spoken to customer service with same complaint. All with no success. I plan to send in my regular payment and Ocwen will show it is a short payment. 
The customer support I am getting is at a XXXX level. I would be better off talking to a wall.
Consumer complaint received 2016-01-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (VT)

My husband has died and I am filing bankruptcy because of all his bills and other bills. 
Under the guidance of my bankruptcy lawyer i was told to just continue along with the mortgage payments and keep them all paid! As I have done! The finance company NEVER sent billings about 7mo after he died, i just kept paying them on the account number i had on the billings, even after billings stopped! I never received ANY mailings from them WHAT SO EVER! In the mean time I have signed the bankruptcy papers but NOT gone to court yet. Then I take it upon my self in good faith to call the finance co to see where the account stands, only to be told the account is now behind 3 months! And because I am not authorized with out being the Executor on the account they cant talk to me! So now not only do I have XXXX payments missing on their end now it will cost me {$260.00} to file for executor. They told me they cant even talk to my lawyer! And XXXX XXXX XXXX day after TRYING to get somewhere with them I RECEIVE ( XXXX ) mailings form them ALL saying the account is in default and NOW THEY want their money OR I WILL be OUT! I WANT to find out where my PAYMENTS went to! My bank verified the checks HAVE been cashed each month on the finance company 's end!!!! I have paid for yEARS to this ACCOUNT number,, but they HAVE another number I should of paid to! BUT NO NOTICES of this change ever came!! I am out my XXXX payments of over {$800.00} PLUS now court cost AND lawyer referral charges to try to get help, plus a stop payment on my next payment i WILL NOT send because they LOST the last XXXX!! And NOW I KNOW they WILL hit me with late and penalty charges and who knows what else! I live on a {$810.00} per month SS check! I find what they ARE doing IS HARASSMENT plan and simple! they have forwarded this loan unto a collection division!
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST HORIZON BANK (TN)

In my case. when I schedule a payment to XXXX of my payees through First Tennessee Bank 's online bill pay service, First Tennessee Bank automatically deducts the amount scheduled immediately prior to any payment instrument being issued by First Tennessee Bank. They do issue a reference identifer at the time the online payment is scheduled. What I believe is that when my payee returns the payment instrument issued by First Tennessee for redemption, First Tennessee changes the initial reference identifier. They also change the reference identifer again once they close my statement out for that period. The information is attached in detail later on in this process,
Consumer complaint received 2015-12-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EXPERT GLOBAL SOLUTIONS, INC. (PA)

Years ago, I think XXXX, I saw on a credit report that and old credit card debt from XXXX was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX that there was a Judgment Lien on my credit report. NCO Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to NCO who then tried to collect on an expired debt. I looked up NCO on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by NCO. Now I found out NCO sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.
Consumer complaint received 2015-09-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (GA)

There is a lien on title showing from Ditech. I have contacted numerous people at Ditech and have yet to come up with a resolution. The mortgage was refinanced and we faxed over the HUD that paid off Ditech almost 4 weeks ago and have yet to get anything resolved. I am in the process of refinancing my house and with this lien on title we can not move forward..
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Paypal Holdings, Inc (OH)

Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OH)

I purchased a home in XXXX 2014. The seller had an outstanding loan to Ocwen Loan Servicing which the Seller paid off and Ocwen sent him a notice of payoff stating the debt had been paid in full. However, Ocwen has still not released a lien on my property even though the previous mortgage was paid in full. Having an outstanding lien on a property in which the mortgage has already been paid in full is in direct violation of Ohio XXXX XXXX XXXX Entry of Satisfaction. Ocwen needs to release the lien in accordance with the law.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (TN)

On XXXX XXXX, 2015, I was alerted by all XXXX major credit bureaus about a collection agency on my credit report about a balance in the amount of XXXX from the company ICSysytems, I contacted the company and the company had an address that I never knew about. I told the rep that I know nothing about this account. So the rep gave me a number to call, and when I called that number which was XXXX, I stayed on hold for XXXX minutes and the next time I called on the same day, the call drop. And this company is reporting negatively on my account as a collection. I wish the company could of called me about a debt instead of just showing it on my credit report. I am disputing XXXX