davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

On XX/XX/XXXX, DiTech Financial processed a payment from me in the amount of {$5500.00}. Rather than applying the payment to my payment and the remainder to my principle, Ditech processed it as my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, collecting the unearned interest on the higher balance and not requiring another mortgage payment until XX/XX/XXXX. I notified them via their online secure communication portal of their error on XX/XX/XXXX. After receiving on a canned response on XX/XX/XXXX and no further communication, I once again wrote to them on XX/XX/XXXX. Once again only getting a canned response. A similar thing happened on XX/XX/XXXX, and it took over a month to correct, even when I included specific instructions on how the payment was to be handled.
Consumer complaint received 2019-07-15
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: Experian Information Solutions Inc. (MO)

This account has already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# XXXX. XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (MA)

I applied, and was approved for a credit card through XXXX XXXX XXXX. After approval, I recieved a letter indicating I had to send in a ton of documents to an investigator ( XXXX XXXX ). More documents than were required for a mortgage application! The letter gave some XXXX XXXX excuse about inability to verify application information, though no other credit card company or mortgage company has had this issue. Clearly the company was too lazy to actually verify any information. 

In any case, instead of providing forms to fill out online or submit online, I have to fax them. It's XX/XX/2019, you are a multi-billion dollar bank, learn to use secure e-mail instead of being lazy. I am uploading all the material I was asked to send in to this complaint. Shame on XXXX for having such poor services.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

XX/XX/2019 : Contacted Kinum ( collection agency ) about phone calls alleging a debt owed, and that they were going to take legal action. The Kinum representative hung up on us. Called Kinum back, and it took multiple verbal requests to receive actual Kinum Account Number, the representative kept giving me the Account number associated with the original debtor but not the account number associated with their collection agency. Finally received Kinum account number. When I asked the representative to not interrupt me, they hung up on me. 
- We have never received any mail notification of this debt from this debt collection company and had told them so every time they contacted us via phone. We had requested multiple times that the debt information be sent to us via Certified Mail and all Kinum Representatives we talked to stated they would not do that. 

XX/XX/2019 : Sent a Verification of Debt letter to Kinum via Certified Mail with a Receipt. The letter specifically requested the Verification of Debt be sent via certified mail since Kinum is claiming to have sent multiple bills to us but we have not yet received any. Tracking number from USPS indicates Verification of Debt letter was delivered on Tuesday, XX/XX/2019. 

XX/XX/2019 : Received a mail notification of debt, but only details approximately half of the debt they are saying that has been owed. There is no information detailing the other half, except on the payment coupon to return to them that states we owe almost double of what they provided information for. The debt that does contain details does not include : verification of debt, itemized statement, name/ address of original creditor, & evidence that we are legally responsible for the debt. It only includes the " Date of Service. '' Attempted to contact Kinum again, but phone number on the bill received on this date does not offer options to talk to someone, only and option to leave a message, but no way to leave an actual message.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

On XX/XX/2019 I cancelled my auto insurance policy with XXXX XXXX. I understand I owe XXXX the amount of : {$44.00}. On XX/XX/2019, I received a letter from Credit Collection Services stating I owe XXXX {$210.00}. On XX/XX/2019 I called XXXX, spoke to XXXX at XXXX who confirmed that the only outstanding balance with XXXX was : $ XXXX XXXX conducted a search which went back 10 years. I do not appreciate this XXXX XXXX calling me daily, every other hour, and reporting this false information to all 3 major Credit Reporting Agencies. I would like to request an investigation, and to have this removed from all 3 Credit Reporting Agencies.
Consumer complaint received 2019-04-03
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: EQUIFAX, INC. (CO)

The date of first delinquency on these accounts is XX/XX/XXXX. Unpaid medical collections stay on your credit report for seven years counting from the date of first delinquency. They should have been removed as of XX/XX/XXXX. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$110.00} Original creditor : XXXX XXXX XXXXXXXX I keep disputing this charge on my credit report. It is an old medical debt and because of the collections status I have been continuously denied credit lines based on the existence of these accounts on my credit report. Nothing happens and the date of the original charge is consistently changed so it never falls off. Disputes submitted on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recieved this response from CFPB. 

I believe there is s cover up and it is full of lies ... XX/XX/XXXX, Tuesday. 


Info : CFPB XXXX XXXX XXXX XXXX. ( B ) wbd Checking account Managing an account Bank of America XX/XX/XXXX Closed Other I would like legal representation with FDIC XXXX law firm, for pirated, hacked, ID Theft, Identity Theft, and Intellectual Identity Theft, credentials. 

Bank of America. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX prepaid card, with XXXX and XXXX XXXX checking account, with XXXX, XXXX XXXX XXXX   XXXX, downtown XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX   XXXX XXXX XXXX, XXXX, online, all sending mail to my address at XXXX XXXX XXXX, La XXXX, CA XXXX. 

It is possible to subpoena XXXX XXXX, age XXXX, my uncle, of XXXX XXXX at XXXX XXXX XXXX XXXX of XXXX, and Michigan, XXXX.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MD)

Ocwen Account No. XXXX I recently pulled my credit report and discovered that my mortgage account with Ocwen is reporting my account as being adverse and delinquent when it is not. 

According to Ocwen, they claim it is being reported accurately. However, when you look at my credit reports, the Ocwen account is being reported as delinquent every month by all of the credit bureaus, when it is not. 

Ive repeatedly asked Ocwen to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, Ocwen writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my Ocwen account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the Ocwen account is showing the account as delinquent when it is not. 

I am requesting that Ocwen delete the remarks on my credit report immediately.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

When I purchased my home in XXXX of 2018, there were two separate parcels as part of the sale, my home and a contiguous piece of land. These had two different parcel numbers under the same address with a total real estate tax amount of {$12000.00}. ( {$740.00} + {$12000.00} ). Unbeknownst to me, someone had mis-entered the 2nd smaller parcel 's number on my mortgage account for my escrow and my next door neighbor 's property was listed in my escrow account as the second parcel on my property. This resulted in the mortgage company ( Ditech ) paying for the real estate taxes for both my house and my next door neighbor 's house with the second smaller parcel on my property 's taxes not being paid properly. This error was in the amount of {$9100.00}. As a result, my escrow account was completely depleted and an escrow analysis was then performed resulting in an increase of my monthly mortgage payment from {$3600.00} to {$5500.00}. I tried several times via phone and email to reach Ditech only to receive a letter in the mail stating they had 30 days to research and resolve the problem. However, this 30 days has since come and gone.I 've just now called the tax assessor 's office ( XX/XX/XXXX ) and they have indicated that there has been no attempt to correct the error on my account. 
In the interim, Ditech transferred my loan over to another company called New Rez. They are now demanding the monthly payment of {$4900.00} because that was the last amount sent to them by Ditech as the amount I owed with no mention of this pending investigation. I have called New Rez to apprise them of the situation and sent an email requesting that this be investigated as well. This new payment was due on XX/XX/XXXX and I have a 15 day grace period to pay the amount but they told me that I would be penalized if I did not pay the full amount.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/2018 AND WAS OFFERED XXXX XXXX XXXX   MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/2018. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX  NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON.
Consumer complaint received 2019-04-03
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: CITIBANK, N.A. (OH)

On XX/XX/XXXX, two fraudulent charges were made to my card from XXXX for {$110.00} and {$1500.00}. I called in to dispute these charges and was issued a new card. 

Citibank says that on XX/XX/20 they have a recording of me saying these charges are not fraudulent and denied the dispute. 

However 1 ) I was not in XXXX XXXX ( where the charges were made ) on that dateI was in XXXX XXXX. My credit card receipts show this. So it is impossible I made these charges. 

2 ) It is quite likely some confusion involved because there was a valid XXXX charge on XX/XX/XXXX. It is possible I misheard the date they mentioned or they incorrectly mentioned the wrong date. 

3 ) They refuse to let me hear the call 4 ) They refuse to listen to the more than 10 other calls I made attempting to straighten this out where I clearly said these were fraudulent charges. 

5 ) The lady who denied the charges is the one who incorrectly charged my card for other charges. I had to file a complaint with you ( CFPB ) to get this resolved as she refused to accept her mistake. I have asked for another agent to review the charges.
Consumer complaint received 2019-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (UT)

XXXX XXXX XXXX has willfully reported to the credit bureaus an account without first verifying if the alleged debt is mines by properly sending correspondence to verify the debt. They claim they mailed correspondence which I never received by mail. USPS has lost mail in transit due to carrier mail issues. I have spoken with the local supervisor from the USPS for XXXX and it was confirmed scanned informed delivery which I get a preview of mail was lost in transit. XXXX  XXXX XXXX is stating I called them and I did inform them I had seen a scanned image of upcoming mail but the mail was lost in transit and never delivered to my mailbox. Under federal law I have a right to dispute all alleged debts. I received a uploaded document from the CFPB from them and immediately disputed the debt as involved in fraud case by mail to them. They have failed to remove the reporting from the credit reporting agencies. Under provisions of the federal law the FDCPA states, the if debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report. XXXX XXXX XXXX is assuming the correspondence was received which it was not. I discovered the actual alleged debt from an uploaded document they sent again to the CFPB. This is now my second attempt for them to comply to the law. After the the fourth attempt I will be seeking other legal remedies. This company from numerous XXXX   complaints have a history of ignoring federal laws and continuing collection activities this is why I am getting the CFPB involved in https : XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a XXXX financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was XXXX for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report Mr. XXXX XXXX , XXXX reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with Transunion USA not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am disputing the charge of {$42.00} interest made to my account on XX/XX/XXXX, leaving my account with a balance of {$42.00} due on XX/XX/XXXX. I paid my entire balance of {$2800.00} on XX/XX/XXXX, leaving a balance of {$0.00}. Imagine my surprise on XX/XX/XXXX, when I checked my account to find that even after I had already paid my entire balance as it was shown on my bill due XX/XX/XXXX to find that even though I had paid my full balance as shown on the bill, that I now owe more money? 
I called customer service as Capital One does not give customers the capability to dispute finance charges online as it does with disputed charges or purchases. I was then told that because I did not pay off my full balance for two ( 2 ) consecutive months that I was charged for interest in arrears for the month of XX/XX/XXXX and that is why I still owed {$42.00}. 
This is an unfair charge and should be removed from my account without further delay. It is unfair because there is no amount on the face of the bill which states : Note, if you have not paid your total account off last month, you will owe {$42.00} in interest in addition for the prior month to the charges shown. Also, if this is the case, {$42.00} should have been added into the balance to be paid in full and I would have paid it as part of the full balance.
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

I received a {$1000.00} loan onXX/XX/19 from Big Picture loans. I have made three payments of {$170.00} onXX/XX/19,XX/XX/19 and XX/XX/19. My principal balance as of today is {$1000.00} - MORE than borrowed in the first place and that's after three payments!

I began looking into it and I was informed that Big Picture Loans is not licensed to conduct business or offer loans in my State and that the fees and interests are not within requirements for Washington State lenders. Per the Washington State Department of Financial Institutions ( DFI ), Washington State residents are informed that Washing State law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State.

I contacted Big Picture Loans on XX/XX/ revoking ACH authorization and also contacted them againXX/XX/19 notifying them that they are not licensed in my State. I advised that I am willing to repay the principal balance of the original loan amount. Noting that with three payments of {$170.00} already made, I had paid {$530.00} leaving a balance of {$460.00} which I am willing to pay in one sum on XX/XX/XXXX. 

The company responded to this with the following " settlement offer '' : Settlement Offer Current Amount Due : {$1000.00} Number of settlement payments : 8 Settlement Payment Schedule : {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 Payment Method : ACH This is still paying back far more that loaned at fees/interest that are unacceptable and not legal through the State in which I reside and whose laws I am bound to in addition to federal laws.
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

MIDLAND FUNDING LLC has threaten to take legal action against me and when I told them should I get my lawyer involve they back out and told me no sir it's not necessary. The told my that the collection account was in a legal status in my local area. It was very abusive and I felt scared for my life.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AR)

I have a WalMart credit card, issued by Synchrony Bank. I always pay my bill in full and on time. This past month, XX/XX/XXXX, I misread my balance of {$80.00} to be {$80.00} and sent my check for that amount. I have trouble seeing well ( I am XXXX years old ). This month, XX/XX/XXXX, I received my new bill and was charged interest fee of {$1.00}. My balance for this month was {$120.00}. I called to complain, and they did take off my interest ; however, when I asked how they could charge that for XXXX cents of unpaid balance, they informed me that the interest is charged on the average daily balance. I still did not understand how I had any unpaid balance for them to figure that on. They could not explain that. I was not able to get any justification for their charging on average daily balance since I was not behind on my payment, and all charges were for the current billing month. Apparently they charged me on my current balance, because the bill stated the interest was charged on average daily balance of {$110.00}. I had not even had a chance to pay the current balance, yet interest was charged. I complain because this was my first encounter of this type of charge and I feel it is unjust, unfair, and fraudulent. I believe there are many others wrongly charged and I want to alert them to this. I also want CFPB to investigate this. I have documentation to submit.