davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AR)

I am sorry to trouble you with my problems. I am a very strong woman, but I have run across a scenario that I can not manage on my own. CitiMortgage/CitiBank is trying to sell my house through foreclosure, but is n't taking the time to try to help me save my home. The set of circumstances that led me to where I am today were beyond my control and no one at CitiMortgage has been willing to take the time to sort out this problem. 

In XXXX I fell into hard times ... I was diagnosed with XXXX. During this time, Citi Mortgage offered me a loan modification. I was unable to work regularly, but I managed to keep up on the mortgage during my treatments. Inevitably, I could n't continue to keep pace and missed my first mortgage payment in XXXX and started to fall further and further behind. 

This is where it really got ugly. Once I was in XXXX, I sought help but the lender told me I had exhausted all my loan mod options and that the only choice I had was to be set up on a repayment plan. I had no other choice but to accept their terms, so I agreed to the 11 month repayment plan. They set me up with an automatic payment through my bank card. They withdrew XXXX payments and then stopped -- -- Why???? This opened a can of worms. When I found out ( after XXXX missed payments ), I called CitiMortgage and was told I now had to pay " all or nothing ''!!!!! When I was given no options to solve the issue I had no choice but to focus on my situation and stop devoting energy to this. 

Once I was healthy enough to back to work on a regular basis in XXXX of XXXX, I called CitiMortgage again and was given a new representative to deal with. She asked how much I could pay. I told her I could pay {$1000.00} right then and then another {$1000.00} in XXXX. I also indicated I would pay in XXXX the rest to catch up since I 'd be getting tax return money. The XXXX payments were taken, but when I called in XXXX XXXX as planned, this rep said my file was now with the foreclosure attorney -- -she checked with that office and came back and told me there was a sale date and that I needed much more than the {$4000.00} I was going to pay to catch up!!! That 's not right!!! 

My house is now in foreclosure with a sale date at the end of this month!! I have XXXX kids, XXXX with XXXX. This is our home and I feel CitiMortgage has been dishonest and unfair with me. They are trying to steal my home and kick my family out on the streets. I 'm not asking for a handout. I have recovered from the hardships that started this mess, but I need to get some cooperation ( and decency!! ) from this lender. I would appreciate any assistance that leads to saving our home and keeping my family where it belongs. Thank you.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

I was told that XXXX XXXX had reported on my report as themselves and XXXX which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans. My first payment was suddenly to XXXX XXXX as they say they sent confirmation of this. After I had them stop calling harrasing me at my job, XXXX is now trying to collect and I know they have been calling my office and cell phone not leaving a name after I have reported them and their affiliates to cease and desist with all contact except in writing. It is listed double on my report and I want it noted that they are not licensed in my state to do loans per the Alabama XXXX. They are all the same people. I have researched this and many states are filing suits for these illegal loans with interest rates above state laws where this company has been collecting from consumers illegally. XXXX XXXX and XXXX are affiliates. I was told to submit complaint with CFPB and if no positive response to refer back to them. Per the dept as they have been working on these predatory lenders, and if many states have already figured this scamming out, I 'm sure our state will get it done too.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I have received calls from this number on my personal phone, and at my place of employment. The XXXX caller was a gentleman, and he would not give me his name or the name of the company he represents. He only said that he works with a locator service and he needed to verify my address so that I would n't miss a court day. He also wanted me to call a certain number. At that time I told him that I could not give him any information since he had n't given me enough details. He went on to tell me that a complaint had been filed against me and he gave me no specifics, and that he wanted to make sure I did n't miss a court date. He claimed that he 'd sent information to my home and it was returned. I have lived in the same home for about XXXX years, so I did n't believe him. Today I received a similar call, but this time a lady left a name. She also said that she was calling from a locator service. She said her name is XXXX XXXX, and she could be reached at XXXX XXXX XXXX XXXX, Ext. XXXX. The message she left said that a complaint had been filed against me, that I had been " serviced this morning '', and that she would be calling the human resources or risk management at my place of employment so that I can be served on site without incident. The work day is over and I have not been 'served '. She also called me at work today, and she called my employer as well. She also called a relative, and left a message. When I called the number left on the message, the recording said the name of the company is Bayview.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America 's representative and short sale negotiator, XXXX XXXX, and her supervisor, XXXX XXXX, continue to create unnecessary delays and roadblocks to stall the process of the short sale offer review we have file XXXX behalf of the borrower, XXXX XXXX XXXX for the property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. XXXX XXXX has suffered loss of job and income due to the ongoing financial crisis in our area and Bank of America seems determined to punish her for her hardship. The excess of pettiness in the demands from XXXX XXXX and her supervisor is beyond any other interactions I have had with Bank of America representatives in the XXXX years have been working with Bank of America in the distressed housing market. I can not believe how ridiculous and nit-picky they are with this file, exceeding all previous transactions I have worked on. I believe there is a personal vendetta or bias on the part of the Bank of America representatives toward the borrower and/or towards me as the legal representative of the borrower. I have requested that Bank of America replace this person but they refuse to. In the latest episode the bank 's representative has put the short sale process on hold while they have demanded an impossible to complete task regarding a change on one of the listing agreement addenda. They are demanding that the change and correction of the listed sale price be initialed by Seller and Buyer. In Oregon, as I am sure the Bank of America XXXX know, it is not permissible for the listing agent, me, to share any of the listing agreement documents with the Buyer or the Buyer 's agent. That is a violation of the fiduciary duty of confidentiality that I have with my client. So, I am put inn the position of being required to complete a task I am not legally allowed to complete. This is just wrong, and petty and unnecessary as well. This is just one example of the lengths that Bank of America and it 's representatives are going to in order to, apparently, stall the process of the short sale until they can force this loan and property into an unnecessary foreclosure.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I submitted a certified letter to Equifax dated and signed for on XXXX/XXXX/2015. today is XXXX XXXX, 2015 and have yet to hear from Equifax. I want Equifax to remove thee questionable accounts I request to be investigated, since they failed within the 30 days to notify me of their results. They had 30 days to investigate and get back to me with the results.
Consumer complaint received 2015-04-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. ()

I have not received an Interest Statement for XXXX from XXXX for account ending in # XXXX. After much trouble fromChase, I managed to close this account in XXXX this year. 
However, it should have earned interest in XXXX, when it was stillactive, as well as for two months this year. After receiving the checkto close the account from XXXX XXXX XXXX, Vice-President for ChaseAcccount Services, I wrote her a letter, dated XXXX XXXX, XXXX, acknowledging receipt of the check and asking her to have theInterest Statement for XXXX sent to me. A month has passed, and Istill have not received the requested Interest Statement. 
I received Interest Statements from all other financial institutionswith which Ihave transactions in the United States in XXXX thisyear, without having to send any reminders or special requests. Ihave no idea whether this is more incompetence on Chase 's part orharrassment for the complaints I sent about its failure orunwillingness to get my slight change in address straight from XXXX to XXXX XXXX. 
In any case, I want the Interest Statement for XXXX sent to mepromptly. I also want Chase Bank to keep in mind that it willalso owe me a statement for XXXX, to be sent in XX/XX/XXXX.
Consumer complaint received 2015-12-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX I financed a Flat Screen TV through Best Buy for around {$1800.00}. I purchased it on 36 months same as cash promotion. I made all of my payments on time and when I went to make my online payment this month ( XX/XX/XXXX ) my balance increased {$1800.00}. I called the lender, CitiBank to go over this situation. They informed me because I did not payoff the balance of {$610.00} remaining on the loan as of the close of XXXX they added the {$1800.00} to the loan. This is more than the TV cost me 3 years ago. I advised them offered the option of a monthly e-mail payment reminder and I could be eco friendly by paying on line, which I chose. This does not show you when your promotional offer is expiring unless you click the link to the statement, which I rarely did since i would just verify the balances each month based on what I paid the prior month. show you when the promotional offer is up.This is very misleading because unless you click the link, you would never see when the promotional offer is expiring. I offered to payoff the balance and the interest due on the balance and they advised me they would not do this. I spoke with a person named XXXX. He would not give me his last name nor would he give the name, number or let me speak with his supervisor. This is unacceptable. Had they advised me of this on the monthly payment e-mail reminder I receive, I would have paid this off in full. They told me I am responsible for this. I was mislead about the interest being retroactive on the original loan amount nor was I ever advised on their monthly e-mail pay reminder the promotional offer was expiring. I realize this is on the monthly statement but I decided to go green with the payment reminder to be eco friendly and it cost me because unless you click the statement link, you will never see this. I have no problem paying the interest due to my mistake but not on the original loan amount. I truly believe this is a deceptive practice promoted by CitiBank to take advantage of honest people. I am sure this has happened to many others.
Consumer complaint received 2015-08-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SACOR FINANCIAL, INC (OR)

XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, OR XXXX obtained a Writ of Garnishment against my IRA account at XXXX. Even after they were provided with conclusive evidence that this asset is exempt from garnishment under Oregon law ( ORS XXXX ), they failed to release the Writ, preventing me from buying or selling securities in the IRA account, resulting in actual and potential losses as a result of their illegal garnishment.
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (NM)

This collection agency has called my home more than XXXX times. I have spoken to a representative 3 weeks ago and requested that my number be removed from their call list and was told that it would be removed within XXXX hours. They have not stopped calling. when I answer the phone they hang up every time.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Your options do not include the problem in this issue. This XXXX procedure was in mid XX/XX/XXXX. It became past due no later than XX/XX/XXXX. It was submitted to Account Resolution Services in XX/XX/XXXX. 

Federal law requires that this item can not remain on my credit files after XXXX years from the first delinquency prior to Charge off. That means the date of obsolescence on this debt would have been XX/XX/XXXX. 

I disputed this with XXXX, XXXX and XXXX XXXX accordingly. This means they sent this to the Account Resolution Services and they returned the dispute leaving it on my files.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (CA)

I have ID Theft on my XXXX credit card # XXXX, was fraudulantly charged XXXX different transactions down in XXXX California, XXXX miles away while I was at work, on the week of XXXX. I filed XXXX fraudulant charge claims through Wells Fargo Bank on XXXX via phone. On XX/XX/XXXX Wells Fargo Bank rejected my claims even though I submitted them Police Report, my proof of at work from my employer. I 've to appeal my case, and now still pending. My complaint is why I was responsible for the XXXX fraudulant charges, and where 's the zero liability coverage.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

The following explains why this account should not be on ANY of my CREDIT FILES. As XXXX, I am now giving actual Notice XXXX XXXX XXXX to XXXX I am now invoking my XXXX given rights of equitable subrogation and require XXXX XXXX XXXX XXXX the Principal by returning all the XXXX XXXX XXXX XXXX XXXX 's ) given as payment for a debt that was paid by the XXXX by way of XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Per XXXX XXXX Refusal is DISCHARGE. The doctrine of subrogation in equity requires, ( XXXX ) that the person seeking its benefit must have paid a debt due to a XXXX party before he can be substituted to that party 's rights ; and, ( XXXX ) that in doing this, he must not act as a mere volunteer, but on compulsion, to save himself from loss by reason of a XXXX  XXXX or claim on the part of the person to whom he pays the debt, as in cases of sureties, prior mortgagees, etc. The right is never accorded in equity to XXXX who is a mere volunteer in paying a debt of XXXX person to another. ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; furthermore a servicer/debt XXXX who has purchased a debt from another company has no interest in the original debt, making their status that of a mere volunteer. The right of subrogation does not arise to XXXX who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer or trade. A volunteer, stranger or intermeddler is XXXX who thrusts himself into a situation on his own initiative, and not XXXX who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Parties may be considered volunteers if in making a XXXX  they have no interest of their own to protect, they act without any obligation, legal or moral, as they act without being requested to do so by the person liable on the original obligation. See : XXXXXXXX XXXX United States XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX v. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ).
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

My office has been getting calls repeatedly from Transworld Systems regarding debt and Garnishment of wages, for a debt XXXX. They have been told, that this is not me, they have faxed garnishment paperwork, when I called in on it I was told if it was not me I could disregard the paperwork. I continue to get calls at the office regarding this issue. It is clear with the information they have available that someone did a quick XXXX search of the debtors name and took down the information that came up, that is why they only have my name and office number and address only. I work hard to keep my business up on XXXX search results. I informed Transworld Systems that the address listed under the debtor information was not mine, that I have not lived in XXXX and the last XXXX of the SSN on the account file number was not mine. I have never gone to school XXXX. I am also sure that the middle name of the debtor is not mine although I was not able to get this information, and was hesitant to give them mine as I was unsure if they would just plug it into the information blanks that they apparently had. Either way, I have asked them not to call, and I have told them I am not the individual they are looking for. Yet they seem to be making no effort to find the correct individual and attempt to garnish my wages, with information regarding another person who happens to share my first, last name and middle initial. I have never even been to XXXX other than a layover.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

Equifax leaks my personal information, and the information of millions others, and does n't tell any of us, directly, for over 30 days. I learned from the news. Completely irresponsible, the company should be shuttered and its executives driven to bankruptcy. Also, they have the gall to push their services on the site that tells us if we were compromised? Outrageous.
Consumer complaint received 2015-05-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (FL)

I tried applying for a bank account at XXXX XXXX and after getting my account, it was canceled as a result of XXXX collections against me. I have XXXX collections against me for {$350.00} from XXXX XXXX XXXX XXXX for trying to get out of a leasing contract that I signed the day before telling them I could not move in. I cancelled within 24 hours and they are trying to charge me {$350.00} for this. Then there are XXXX collections that are filed against me from Syndicated Office System for {$350.00} and {$450.00}. I have no idea what this is for, nor have I ever been contacted by them. This is ruining my credit apparently and I have never even heard of these collections against me. Please help me! I need to get a bank account from XXXX XXXX before leaving the country at the end of this month and this is really a messed up predicament I am in! I found this article about XXXX online and I am guessing I am involved in this without even knowing ( http : XXXX ). Please let me know what I should do, what I can do, and any information that can help me! I greatly appreciate it!