davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orions Management Group, LLC (NH)

Received several voice messages from a XXXX XXXX from the beginning of XX/XX/2018 to present stating to call about important documents to discuss and that it was a time sensitive matter. Threatening that must be called back or would " proceed accordingly '' and states that he has legal documents on his desk just waiting for him to file. Calls me several times a day with the same thing saying that I must call back that same day. I have had to block their number through my cell phone provider. They are also harassing me at work calling me several times a day and I have asked them to stop but they won't. 

They are constantly calling and harassing me stating that if I don't answer by the end of their day they will have no choice but to act according and file the legal documents they have on their desk. They have been calling several times a day for a couple of weeks now and are even harassing me at work.
Consumer complaint received 2018-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XX/XX/XXXX received letter from Huntington Bank indicating could no longer make bi-monthly payments on home equity loan (my primary mortgage) effective XX/XX/XXXX; letter dated XX/XX/XXXX, taking 6 days to receive. Have automatic payroll deduction to them every 2 wks, approx 1/2 mortgage payment. Payment to be sent XX/XX/XXXX, fulfilling XX/XX/XXXX obligation. However, won't get paid again until XX/XX/XXXX, 8 days after next full mortgage payment due. Huntington told me they would give 15 day grace period for XX/XX/XXXX; after that, full payments due XX/XX/XXXX of every mo. I have multiple problems with this: received viturally no notice; I live on a budget, unlike your disconnected director, Mick Mulvaney. I have 6 days to re-budget for full payment, even though won't get paid again until 8 days after due date. Asked if I could change due date, Huntington refused. Change not discussed or authorized with me, is nothing short of payment demand, and a change to the loan re-payment plan I originally agreed to. Now I either have to pay extra every mo, or make a principle only payment monthly in order to get previous benefit of bi-monthly payment. This is wrong; makes me think it is a result of Trump admn dropping previous consumer banking protections. Happen to be paid 8 mos ahead on my mortgage because of benefit of bi-monthly payments, and will continue to pay extra, but how many other Huntington customers cannot or will not? This change will discourage them from using the benfit to reduce their mortgages ahead of term. Not currently in a position to change mortgage companies, if I was, would drop Huntington. This activity seems on par with XXXX XXXX changing mortgage terms without customer knowledge. Doubt there will be resolution of this in my favor - return to bi-monthly payments, or that the CFPB even cares.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

WHILE WORKING ON MY CREDIT CARD ACCOUNTS TO SEE THE MONIES THAT HAS BEEN SPENT I CAME ACCROSS XX/XX/12 XXXX XXXX XXXX CHARGE OF {$2600.00} A CHARGE I DID NOT HAVE ANY CONNECTION TO. I CALLED TO REPORT IT TO XXXX AT NAVY FEDERAL XXXX. XXXX I SPOKE WITH XXXX AT THE BANK AND SHE TOOK THE XXXX CLAIM SHE SAID IT WOULD TAKE ABOUT 90 DAYS TO RETURN MY MONEY AFTER THEY ARE FINISHED THE INVESTIGATION. I GAVE HER ALL THE INFORMATION I FOUND ON THE WEB ABOUT IT WAS A SCAM, AND THE PHONE NUMBER AND THE BUSINESS NEVER ANSWERS. SHE WAS NOT VERY NICE. SHE ASK ME WHY DID ID JUST FIND IT. I EXPLAINED I WAS SEARCHING FOR MONEY I HAD SPENT IN THE PAST 5-6-7- YEARS. 
I AM NOT ASKIING FOR ANYTHING BUT MY MONEY RETRUNED TO ME. 
THIS WAS A SCAM AND I WAS THE VICTIUM. I WANT MY MONEY CREDITED TO MY ACCOUNT. YES I MISSED THE CHARGE BUT IT IS STILL A FRAUD AND I WANT MY MONEY RETURNED TO MY CARD.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

I never received documentation regarding this debt from Hunter Warfield. Upon noticing they were reporting on my credit report I called to ask to verify the account information. The collection agent verbally told me about charges that do not belong to me. After stating that the charges did not belong to me I requested the account information to be sent to me to verify the debt ( this was a verbal request ). I never received documentation I requested. I contacted a lawyer for assistance, my Lawyer sent out a letter disputing the charges with an offer that I provided in lieu of removal. The letter was sent XX/XX/2018. I have not received any information regarding this account to verify the false debt. I check my mail daily for this information. Although, I disputed the inaccurate information being reported on my credit report for a debt I do not owe, the company continues to report this on my credit reports which is against the law. I request immediate removal from my credit report for proving inaccurate information that is stopping me from gaining approval on credit applications.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (IL)

Hello, my name is XXXX XXXX and earlier this year I refinanced my house with a group called XXXX XXXX XXXX. On the first day after closing, I set up automatic payments with XXXX and thought I would be set up for the foreseeable future. A month or so later, XXXX turned the loan over to another company called Provident Funding. I received information from XXXX that I would need to create a new account with Provident and set up payments by XX/XX/2018. The first week of XXXX, I received a letter from Provident stating that I could pay them via check or online. On XX/XX/2018, I set up auto-payments AGAIN and thought I would be set up for the foreseeable future. On XX/XX/2018, I received a call from Provident Funding " about my account '' and asked for me to call them back. Within 24 hours, I returned their call and was in contact with a customer service representative. The representative stated that I was late on payments and needed to pay as soon as possible. Confused, I stated that I set up automatic payments and was expecting a draft within a few days. The representative insisted that I needed to make an ADDITIONAL payment or they would report me to all the credit bureaus. I was confused and frustrated that I would need to make a double payment and insisted to know why. Finally, the representative stated that setting up auto-payments does not cover the initial payment period and I would need to pay for the initial payment period separately. I immediately pulled out my checkbook ready to pay as I have never missed a payment for anything in my life! The man stated that he would be more than happy to process a payment over the phone for a ~ {$7.00} fee. Befuddled, I asked why they would charge me more money to accept my payment. He stated that I could pay online and there would be NO FEES OR PENALTIES. While I logged into my account, I asked the person to hold so there would be no further issues. Upon logging into my account there was an additional {$100.00} fee attached. I inquired what this was for and the representative stated that it would not have been there if I would have paid 3 days prior ( coincidentally the day BEFORE I was initially contacted. ) I stated that I thought the {$100.00} fee was unfair and I would be happy to make two payments today, but thought an additional {$100.00} was unfair and, frankly, unreasonable. The representative showed no compassion and stated that they would do nothing for me. I asked to speak to his manager and received the reply of, " I am the manager, there is nothing I can do. '' This was altogether one of the worst experiences I have ever had with ANY lending company and I am ashamed to say that I am having my loan served by Provident Funding. I hope that the CFPB can encourage better, more ethical, and less predatory fee practices from Provident Funding, or at very least, increase their communication to their customers to avoid unnecessary fees. PLEASE HELP!
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

XX/XX/2018 I got an unexpected Membership fee of {$95.00}. If I did not look at my account regularly, I would not have noticed this other change. I tried to resolved with Citibank and could not. I am trying to close the account and might have to still pay the $ XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC (TX)

To CFPB We have previously filed a complaint against XXXX XXXX XXXX XXXX concerning an account they are reporting to the credit bureau for XXXX XXXX. They say I had a credit card with a XXXX dollars credit line they also say I had one with a XXXX XXXX dollar credit line, both are incorrect, I never had a credit card with this company. 
Portfolio says that they will not answer our inquiries concerning this matter as we have made many attempts to verify this matter. Portfolio  has never proved I or any one here has had a card with XXXX XXXX, no, what they have done is send some copy of a bill which the FTC says is not proof that that bill is owed by anyone. 
We have filed this complaint against them because of this inaccuracy and also in filing other complaints against them in XXXX we have found that Portfolio  is not properly licensed in the state of Texas therefore, our attorneys will be filing criminal charges against Portfolio for attempting to collect a debt not owed by me and not being registered in the state.
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC (AZ)

XX/XX/ received lengthy voice mail message lying about documents that were to be sent out -- -they needed asset verification and address verification. Phone screen showed incoming call from ( XXXX ) XXXX. XXXX gave XXXX to call for questions. 
XX/XX/ XXXX  received incoming phone call regarding the above. When I asked questions, caller lied to me and refused to answer any further questions, and kept asking me repeat questioning while I was asking for clarification. When I refused to provide information, caller told me I was wasting her time. I asked that she remove my number from the list and get rid of it ; she replied that she certainly would! Phone screen showed incoming call from ( XXXX ) XXXX.
Consumer complaint received 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I've been making monthly payments to Rushmore Loans, Rushmore Loans is Foreclosing my property saying I was 4 payments behind on a previous mortgage. I faxed Rushmore Loans all my mortgage reciepts of payments from present to past XXXX XXXX from Rushmore Loans said that it wasn't enough information that I have to contact my previous mortgage XXXX XXXX to get and update. When I called XXXX XXXX and faxed my mortgage reciepts and explain my situation XXXX  XXXX said it's out of there hands and it's Rushmore Loans that has to make an decision.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

on XX/XX/ a customer received an item he bought from me on XXXX, he used paypal to pay me Paypal immediately put a hold on the {$77.00}, CLAIMING i hadnt used my account in 6 months. 
On XX/XX/ I called Paypal to release the money, I explained the customer received the item and 3 days had past, Paypal refused to release the money an stated it would be another week before money could be released.On XX/XX/ I called paypal because another item sold and i received an instant payment, paypal didnt hold that money ( XXXX ), when i logged in to my paypal account on my phone it would not let me transfer the money, the option wasnt there to do so.I got online on my computer logged into paypal or tried, paypal website said i needed to prove who i was by entering a phone number when i entered my number paypal said it wasnt mine? And refused to let me sign in.On XX/XX/ i called paypal the agent transfered the XXXX and the XXXX to my bank account, the XXXX went through and the XXXX was reversed again, I called paypal on XX/XX/ paypal claims they dont know why but it will take 3 more days. Paypal is playing games with me there holding customers money to earn interest on the money customers trust them to handle ... this is fraud.Paypal has broken there fiduciary responsibility to me an immediate investigation into there banking habits are needed now. I need my money now, paypal needs to be fined and investigated.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation (NC)

I filed a dispute and the company provided a document that is inaccurate, with an incorrect birthday, the spelling of my name, and no signature ( attached below ). Additionally, the company has not provided me with a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA the company is required to promptly delete all information which can not be verified.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Contacted Bank of America and provided a police report as well concerning the identity theft that occurred. Bank of America WILL NOT PROVIDE me with my signature nor where this app was done and filled out at. They are a bank that people really need to not do business with.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS COMMITS FRAUD BECAUSE THE BANK IS A TOTAL FRAUD THEY THEY CO-CONTRACT WITH ; ; ; ; ; ;,,, SEE EVIDENCE HERE,,, XXXX WANTS TO XXXX ME AND THEY USE XXXX TO EXTORT THE FUNDS,, XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX  XXXX
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

My problem is with WELLS FARGO .... MY MORTGAGE IS WITH THEM. When they bought out XXXX I have had a problem. Which was back I think in 2008 or before. Since this time they have said I missed a payment which was about {$620.00}. I feel I did not miss a payment. Since then they claimed I missed this payment, they have been charging me late charges. But now, my payment has increased to {$910.00} dollars. The late charges now are on the payment of {$910.00} dollars which has increased immensely. Since the original amount of the {$620.00} made late charges smaller. The past 7 years my payments have been on time. There is no working with them. I had ask for them to drop these charges, but to no avail. Each time they respond to me by e-mails it has never been the same person. I will not speak with them on the phone. Only way I correspond with them is by e-mail or letter. I tried the talking bit with them but my conversation with them was never what I said or what they said. No way of proving these conversations. I work for attorneys and I ask them for advise on how to handle this situation. I do all my own communication with them.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (FL)

My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.
Consumer complaint received 2018-04-10
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)

A few years ago I ventured online for a payday loan. The loan that came up was XXXX and I applied and was approved. I received the funds and realized the interest rate and after further researching I knew this was not something I wanted so i returned the payment to the company and closed my bank account after I found out that XXXX was not authorized to do business in the state of North Carolina. The company three years later has reported this to all three major credit bureaus after I completed disputes that the company was not legally able to provide the loan in my state and that I paid the payment back for the only 3 days that I had the money.
Consumer complaint received 2018-04-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (PA)

Mortgage settlement was on XX/XX/18. 
Pruchase amount {$170000.00} Actions by Consumer ( me ) : Reached out the VA Loan HQ,  Lender, Appraiser, Real Estate agents ( buyer+seller ) but received no useful help. 

Parties Involved Lender : Mortgage Solutions of Colorado, XX/XX/XXXX DBA ( Loan # XXXX ) Appraiser : XXXX XXXX XXXX XXXX, XXXX Seller Broker : XXXX XX/XX/XXXX XXXX Seller : XXXX XXXX XXXX XXXX XXXX Broker : XXXX XXXX XXXX The appraisal was done poorly and the valuation came back the same value even after the XXXX Intiative. Many fees were incuured and the repairs that was ordered by the appraiser were done poorly and the damages are still here today ( attached report and images ). The repairs was ordered to " Remove debris, repair fencing and properly landscape rear yard '' but now I have to deal with broken fences and hazardous objects int he ground. 
Final Version Closing Disclosure was also provided only 1 day to closing when 3 days is the minimum. 

Additional complains to other local and federal regulators will be filed. Please advise other agency I may file with.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax have " XXXX , XXXX '' that done inquiry. I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry. If you not have poof, I want this inquiry deleted.