davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received a wire transfer from my father of {$68000.00} to my Citibank checking account on XX/XX/year> that i have been using for over 12 years since my college years. 

I wired {$26000.00} to my company account at XXXX which i have another account and my wife {$18000.00} to her XXXX account to pay her credit cards. 

I saw the wires are on Temp Hold at citibank so i called and told them i made these wires. I also make wires to these accounts at XXXX from this Citibank account once a month. So there was no reason citibank hold these wires i made. I called citibank and told them i made these wires. 

They told me there was no problem and they were going to call me if additional information was needed. Around XXXXXXXX XXXX  citibank gave me a call which i missed because i was driving. 

Around XXXX i received an email from citibank my wires were cancelled and when i called them they said my accounts was closed. 

The next day XX/XX/year> Wednesday i received an email from citibank my accounts will be closed in 60 days and i will receive a check of the balance. 

I believe at closing i have over {$55000.00} in the account which the citi representative did not tell me how much i had which was frustrating. 

I have accounts in other major banks such as XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. 

Citibank put my in big financial stress i need that {$55000.00} in the account which i dont know when and if they will send the check for the balance i had at the time of closing. 

I need help from consumer finance to fasten the process so they send my check faster. I need to make my kids school payments credit cards etc.
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (VA)

At end of lease XX/XX/year>, was charged for cleaning fees with a date of XX/XX/year>. We disputed the fees and asked for evidence that there was trash and where was the trash as it was a shared apartment with multiple renters and show evidence paint was needed or actually done in bedroom. They did not respond or acknowledge the phone conversation in subsequent communications and simply moved the debt to collections. 

When collections called, I asked for a similar statement to which they provided no details.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

The company is reporting fraudulent inaccurate information on my credit report to XXXX XXXX XXXX. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-10-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CMG MORTGAGE, INC (CA)

I began the VA mortgage assumption process with CMG Financial in XXXX New Jersey nearly XXXX  months ago, in XX/XX/year>. They have incurred significant delays in closing on this property. The processors in their Assumptions Department have not responded to dozens of emails asking for a timeline to closing, what steps remain to complete this process, or whether they have received documents that I have sent to them. Despite providing CMG Financial written authorization to correspond with the sellers, their realtor, and my realtor, all calls from us to the assumption processors go straight to voicemail and are overwhelmingly not returned. Likewise, the assumptions processors invariably do not respond to emails from these authorized parties and me. 
My escrow officer and I have had to send the assumption processors at CMG Financial multiple copies of requested documents for the consideration of their underwriting department. Despite this, the assumption processors continue to repeatedly request the same documents, sometimes weeks after they were already submitted. It has now been over two weeks since CMG Financial approved my mortgage assumption application, but they have steadfastly refused to send the closing documents to my escrow officer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite being under contract with the sellers since XXXX, I have had to give my adult son special power of attorney to complete this home purchase. Now I am concerned that CMG Financial will resist allowing him to sign the closing documents, thus, incurring further delays in moving to closure. 
The sellers have become increasingly XXXX  regarding this protracted timeline and I am concerned that they will pull out of this home sale ; By placing the home back on the market and selling to a party obtaining a conventional home loan, they may be able to close much faster, even though my loan assumption application has already been approved by CMG Financial. I am further concerned the collapse of this mortgage assumption has been the intention of CMG Financial, all along, as a VA home loan assumption does not appear to be as profitable as a conventional mortgage. 
In XX/XX/year>, I liquidated more than XXXX XXXX dollars in investment assets to provide the closing costs for this home sale. If the sale does not go through, then I will have in excess of XXXX dollars in damages from capital gains taxes and unrealized returns on these investments.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (CA)

Zombie mortgage scam. I filed a XXXX  XXXX in 2017 which got rid of my mortgage and removed it from my credit report, Rushmore Services has changed their name multiple times within XXXX months and now calling themselves NationStar Mortgage. This mortgage company should not be on my credit report but it is. I have asked Rushmore or Rushmore Services or Nation Star Services or NationStar Mortgage to correct and remove from credit report but they have refused to give me any assistance. They violated Regulation Z part of the Truth In Lending Act with this Zombie mortgage. I didnt receive any statements from them notifying me that after XXXX years of removal from credit reporting they would put it back on.
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I've never received any form of communication from this company. I pulled my credit report to make sure everything is accurate and noticed this account was on my credit report. I've never resided at the location for the account that the company is collecting for. 
This is not my account, this is not my debt.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (UT)

Chase made an account change that was never authorized via signed paper work XXXX  address in XX/XX/year> after a transfer of points failed. Since the account was fraudulently changed they will not make the change back to how the account was open. I have submitted supporting documents showing how the account was open via monthly credit card statements that shows how the account was open prior to the account name change and Chase is refusing to make correction or take accountability.
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan Motor Acceptance Corp shows on my credit report for {$10000.00} but the truck was repossessed and resold for more then was due on the truck. It was in XXXX  when the truck was repossessed.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (ND)

On XX/XX/2022. I purchased 2 money orders from pls check cashiers. Address is ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The money orders number are XXXX and XXXX. Totals are {$2000.00}. They got stole after a week in the mail. I followed the procedure and got all the paperwork done. In the first year. I kept contact the pls as the store told me to. Meanwhile. I also went to the store to follow up couple times. The pls kept told to wait. Until about half year ago. The pls told me. The store didnt submit the affidavit on time. But store said they did twice which I was there when store did that. Now the pls said my case is closed. I need to contact the store. But the store also said the same thing to me. Told me to contact the pls. So now what? Who can help me with this issue?
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I hope I have categorized this correctly. My Citibank Mastercard was hacked in 2020 and Citibank issued us a new card. I recently received a bill for {$63.00} from XXXX XXXX for a XXXXXXXX XXXX XXXX. These charges were against the hacked credit card that we no longer have. As I investigated this I discovered that for the past 4 years they have been charging against the hacked credit card that we no longer have. No one has used this XXXX account for at least 7 years. Citibank says merchants charging against an expired credit card is allowed if this is a reoccurring charge. I can not believe that Citibank sends me a new card because my card has been hacked and then proceeded to let a merchant charge against the hacked card. I think Citibank owes me $ XXXX {$250.00}. If Citibank says this is legal and ethical we have a serious problem. I am also a little upset with XXXX for allowing this account to be charged for the previous 7 years when there was no activity on the account. I have cancelled the XXXX account and based on XXXX response I will also be discontinuing my Citibank XXXX. I do not consider them to be ethical after my discussion with them. Is there anything you can do to help. My wife and I are older and this is not only frustrating but to me unethical.
Consumer complaint received 2024-10-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX XXXX filed XXXX XXXX XXXX filed XXXX XXXX XXXX XXXX XXXX  Assignment mortgage blank endorsement foreclosure house and land theft discrimination. XXXX XXXX denied affirmative action, discrimination filed law suit. Pretended mediation between attorneys XX/XX/XXXX. Pretended judgement XX/XX/XXXX. Pretended bidder by attorney XXXX XXXX. XXXX XXXX Pretended hearing XX/XX/XXXX. XXXX XXXX XXXX XXXX Pretended bidder motion by XXXX XXXX motion to disburse with mediation to foreclose. No appearance in case. Filed Under name XXXX XXXX XXXX. Pretended bidder agent case XXXX bidder, pretended foreclosure sale attorney XXXX XXXX XXXX XXXX issued a certificate of title, on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX judgement of foreclosure {$100000.00}, {$8900.00}, {$2900.00}, {$76.00}, {$89.00}, {$160.00}, {$1700.00} XXXX XXXX XXXX$110000.00} issued by XXXX XXXX XXXX certificate title, by deputy XXXX XXXX XXXX pretended sale price, bidder {$130000.00}. Clerk Issued to attorney XXXX XXXX XXXX fake address XXXX XXXX XXXX XXXX Florida XXXX and sent copy to XXXX XXXX property XXXX XXXX and XXXX XXXX XXXX. Issued certificate of sale, and XXXX XXXX deputy of clerk Issued certificate of disbursement XXXX XX/XX/XXXX. Fake sheriff invaded home with attorney XXXX XXXX XXXX XXXX. XXXX Foreclosure document dated XX/XX/XXXX. Government entity XXXX XXXX XXXX and XXXX XXXX XXXX XXXX wrongful changed all locks on doors and invaded the house data and personal data. Forced owner out of the home, XXXX XXXX out of her home, life possessions taken by XXXX XXXX XXXX address taken through case no XXXX XXXX possessions of the home. Date XX/XX/XXXX. Covered tag, XXXX XXXXXXXX XXXX. Invaded house as XXXX XXXX Pretended to sale home through the courts XXXX XXXXXXXX XXXX and XXXX XXXX pretended buyer XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain in possession of home with contents. Then they renovated home. To resale again different name to create a chain of title on private personal properties dated first listed date. XX/XX/XXXX. : XXXX  assignment mortgage XXXX XXXX property XXXX clerk changed and conveyed property name to XXXX XXXX. list public records of XXXX used property id to change name from XXXX XXXX. Property descriptions was wrongfully used to created fraud XXXX  assignment mortgage by blank endorsement. 
XXXX XXXX XXXX  XXXX  roof damage from hurricane XXXX. Case claim of case XXXX XXXX of XX/XX/XXXX. Filed by attorney XX/XX/XXXX. Dismissed XX/XX/XXXX. Prior to the filings of XXXX XXXX XXXX filed XX/XX/XXXX. Retaliation by government entities.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

To Whom It May Concern, I am writing to address your recent communication concerning the debt referenced above. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the debt in question. 

I contest the legitimacy of this debt and ask that you supply me with the following information : The original creditors name and address. 
The original account number and the amount due. 
Evidence of your authorization to collect this debt. 
The dates and sums of any payments made towards this debt. 
The date of the last payment made on this debt. 
Any relevant interest or fees added to the debt. 
Additionally, I request that you furnish me with copies of any documents or contracts that substantiate your claim that I am liable for this debt. Please provide all requested information within 30 days of receiving this letter. 

If you are unable to furnish this information or verify the debts legitimacy, I ask that you cease all collection efforts and remove this debt from my credit report. 

Be advised that any further attempts to collect without providing the requested information will be deemed a violation of the FDCPA and may result in legal action against your agency. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

I applied for a HAMP modification with CITI and was denied because they said my NPV results were negative. This is only because they refused to accept my additional freelance income of {$1000.00} per month, and I provided pay stubs and a profit and loss statement.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

I had one card with CitiBank and i had no issues paying, on time, every month. I opened a second CitiBank card ( XXXX ) because I received an offer for a balance transfer for 12 months period. i requested a transfer and was expecting to receive statement to begin payments. I started to receive phone calls about making payment which i first took as fraud because I was already making auto payments on my first CitiCard. I did not receive any statements for the second card which i thought was just taking time to begin. When I realized it was for the second card I made a call to them right away to discover that I was behind on payment but I never received any statements from them. I explained that was the case and asked if they wave the fees since it already piled up and made my min payment much larger that originally. I was told they couldn't take off but one fee and that the other will have to get paid and that it's not their problem I am not receiving statements. I waited to receive statements and just recently received my very first one. Now the min payment on the account is almost XXXX and I contacted them to say I cant pay that all at once and see if we can do a lower monthly payment to catch up and offered XXXXXXXX XXXX XXXX to start catching up. They refused it and said it would have to pay XXXXXXXX XXXX XXXX XXXX XXXX XXXX just to catch up, and that my account is too new to give me any other options. I do not register for online services because I an not good at managing online options. I work with printed statements and I try to set up auto payments if possible. The fact that they are unwilling to work with customers and demanding an unreasonable amounts even though they already closed my account even though it's only been a couple of month of back and forth of this and now they want XXXX times the monthly amount. I think it's unreasonable and their demands of getting people into more impossible repayment situations is setting customers up for failure. it's extortion to say the least! I hope you can help!
Consumer complaint received 2015-05-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (DC)

Regional Acceptance continues to fill my work mailbox with voice mails after I have repeatedly asked them not to call my place of work and have advised them that I would never answer the phone if they called me at work. They call numerous times a day, they begin calling as soon as a payment is late. I had been advised on a few different occasions that they would remove my work number from their calling list and that has not happened. Yesterday I picked up the phone for XXXX of their calls for the XXXX time. I advised them that I had setup a payment arrangement a day prior to taking the call. Again I told them not to call my job. Today, even though a payment arrangement has already been setup, the calls to my job continue. These folks have proven themselves to be so incompetent, they tell you what you want to hear and they keep harassing you. I got back from XXXX 4 weeks ago and found my work mailbox completely full. Because of the numerous voice messages, coming from both an automated system as well as employees calling, there was no mail box space available for actual business calls. I want the calls to my job to STOP.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Paypal Holdings, Inc (VA)

In this Issue I purchased XXXX engraving machines from XXXX I could not get XXXX machine to work seller asked for me to send the XXXX not working back to them and the other XXXX to a customer and they would refund my money and pay shipping, did n't happen. I faxed XXXX and pay pal my complaint a couple of days before the deadline did n't see any answer so I called said never received it resent it they now said this was after deadline so now I am paying {$37.00} a month for something that was stolen from me. Both XXXX and pay pal are thieves. I am XXXX years old and trying to develop some extra income instead thieves are draining.
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (CA)

Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (MO)

The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis. 

My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand! 

XXXX
Consumer complaint received 2024-09-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AR)

Me and my wife were given a {$50.00} gift card. Everytime we try to use it we can't. On the back there are instructions to go to XXXX  but it never works. I did some research and others have had this problem as well.