davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TFS FINANCIAL CORPORATION (FL)

I received a " demand '' letter on my 2nd mortgage with Third Federal, giving me 35 days to pay them {$50000.00}. This mortgage had been " written off '' supposedly as I was a casualty of the Great Recession having lost my full-time job in 2009. I was unable to send them the {$50.00} per month payment for the last several years as I was also carring for my adult son who is on social security XXXX. This letter came out of the blue as the first mortgage is current. I recently got a full-time job which is a miracle as I am XXXX years old and receive social security. I certainly can not pay the balance off. Third Federal refuses to return my calls. I make too much to qualify for help from Legal Aid but am unable to afford an attorney.
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (AL)

I got cable TV through XXXX, and about a month later I decided to move and I called XXXX to see about moving my service and they ask for the address I was moving to, they ran the new address and told me that they do not service that address. I told them that I had to move and I would just have to cancel my cable and internet. I paid for the time I had and used the service up until I moved. I sent the equipment back and I still received a bill for {$350.00}. I called XXXX and explained to them I had called and canceled the service and they tried to tell me that I did not cancel that it went two months past due then they disconnected the service due to non payment. This is not true nor accurate. And I do not owe them XXXX I called in to cancel this service and it should have been disconnected immediately because I was no longer even living at that address and the boxes were already packed up. You can even see from the Internet usage for the time they are trying to charge me for was XXXX because it was not even connected. I feel as if I am not responsible for this debt. I refuse to pay it, I pay all my bills on time but I 'm not going to pay for someone else 's mistake. Please help me resolve this issue because I tried to handle it on my own and got no where.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a capital one XXXX card in the XX/XX/XXXX, through an offer i received that clearly stated no interest for 15 months. however, after 11 months, Capital one began charging interest on my card. I believe i was misled by their marketing and scammed into paying more interest than predicted, causing me damages. I have been charged XXXX dollars per month in interest for months now before the 15 month promotional period even ended. Capital one is using deceptive marketing and advertising offers, and trapping consumers in deals that fail to live up to the promises made and what consumers are offered. I was caught off guard with these interest fees that should not have began until XX/XX/XXXX at least.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TFS FINANCIAL CORPORATION (OH)

we refinanced a mortgage with Third Federal in 2009. All payments made in full, never later up until we paid off early on XXXX XXXX. We were told to expect escrow refund approx. 
{$1600.00} with XXXX to 10 days before end of month. Have been calling since XXXX and were told stop pay would be issued and new check sent because we only received statement showing XXXX XXXX but no check. Have made over dozen calls, on hold for hours but no one will confirm that " lost check '' has been reissued. Can not fathom how a statement can be sent stating account is CLOSEDOUT if refund has not been issued. They keep putting me on hold to confer with " other depts. '' I am doubtful that any check was ever even issued for this refund and do not understand why this was not handled when loan was paid off in full on XXXX XXXX.
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX XXXX, 2016, I sent {$500.00} from my online checking account at Capital One 360 through their new XXXX system on XXXX This was the first time I had made such a transaction. I was asked to put in the email address of the person I was sending it to, but I did not have access to the drop down menu where the correct address had been stored in the previous process. I erroneously put in the wrong email address. ( Anyone could make a single digit mistake in the same way if sending to a mobile phone number. ) Admittedly, this was my mistake ; however, there was a complete lack of security, of checking, of layers through which the request had to go to ensure its secure transmission to the recipient. 

My {$500.00} XXXXpayment, powered by XXXX, went unhindered into an account owned by someone unknown at XXXX XXXX XXXX. Because that person had already checked into the Capital One 360 service at least once, all future amounts were automatically transferred into that account. When a Capital One 360 customer service person checked into the issue, he found that the cash was no longer available or accessible at the XXXX XXXX XXXX account. There was nothing he could do. XXXX XXXX XXXX wo n't even discuss the issue because we do n't know the account number of that person with the email address I used. 

I can not believe that I could lose {$500.00} because of a clerical error. I can not believe that Capital One 360 is that insecure. I can not believe that Capital One 360 did so little to retrieve my money. I can not see any benefit to keeping any money in this bank. I can not believe that I as a customer am treated with so little regard for the safety of the transmission of my money from my account to another 's.
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (HI)

I was n't able to access my account then I call and found out that Netspend had closed my Account with out my permission. And not notifying me right away when this ERROR TOOK place! I had to find out on my own that my account was closed .because I wanted to pay a bill. And when they closed my account They took out all my money which I wanted it to stay in my account but they did n't put back in my account.INSTEAD they mail me my money which is going to take another 2 weeks or so just to get my money. They really put me in a bad situation.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX submitted the claim without going undergoing the prerequisite legal procedure. I have since obtained a release for the garnishment on this case the case is in trial stage. Attached is a copy of the 'release of garnishment or attachment '
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

First Niagra bank will not speak to us on the phone. First my wife called and they said they had to speak me. Then I called on a Monday and they refused to speak with me and told me to go the nearest branch. We live an hour away from the nearest one. In XX/XX/XXXX I paid a payment and the reversed it. Said there was no such account. Spoke with a XXXX and have his employee id number and he reversed the late charges and i paid XX/XX/XXXX and XX/XX/XXXX payment. I told him that i should n't be reported 30 days late because to my knowledge payment in XX/XX/XXXX was paid. He said he would take care of it. Next thing I know were getting letters stating we are 62 days late and owe over {$300.00}? I called and they refused to let me speak with XXXX. and told me there was nothing they could do and to go local branch. I ca n't resolve this, do to the fact they are not allowing us to speak with anyone?
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc. (AL)

This was on my credit report years ago.. I wrote XXXX credit bureaus, XXXX.. I disputed owing this bill this bills years ago.. All XXXX credit bureau dismissed an removed this from my credit report. Now i am getting threating letters again from Convergent. Same bill XXXX I so not owe this bill. Please stop this. Stop the harrassing letters etc..
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been in conversation with both XXXX Bank and Transunion and have requested my mortgage accounts with XXXX Bank be reported. XXXX Bank has been working for almost 2 years trying to correct this and Transunion refuses to add my two accounts with XXXX Bank to my credit report. They continue to tell me to contact XXXX Bank which I have done many times. I would like assistance from you to have Transunion correctly report my two accounts with XXXX Bank to my Transunion Credit report.
Consumer complaint received 2016-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Recently, I have been receiving information from my financial accounts - banks and credit card companies - that there have been several new delinquencies reported on my credit report that could possibly be frauds. Also, just recently, I have been receiving letters from Portfolio Recovery Associates , LLC. and other recovery companies about delinquent accounts. 

These delinquent accounts are not mine. I have several credit accounts and they are all paid on time. My credit score has fallen dramatically because of these erroneous reports. 

What recourse do I have to resolve this matter?
Consumer complaint received 2016-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CL Holdings LLC (GA)

I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Received in US Mail a targeted promotional offer for a XXXX Citibank Thank You Points Bonus. Promotional Code = XXXX. 

Applied for and opened a CitiGold Checking Account. Requirements for bonus were 2 bill pays for two consecutive months immediately after account opening. I met the requirements in XX/XX/XXXX and XXXX 2016 - a Citibank Chat agent confirmed this. 

Confirmed again over secure message in XXXX 2016 with Citibank agents that I met the requirements for the bonus and agents said I should receive the points by XX/XX/2016. 

In XXXX 2016, I asked to reconfirm that I will receive my XXXX bonus points when they will post to my account, and was then told 2 months after ( XXXX 2016 ) that I will NOT receive the bonus because I was not targeted for the offer. I had opened the account in hopes of receiving the promotional offer, and then 3 months after account opening ( after confirming twice I met the promotional requirements ) Citibank refused to honor the promotion and denied me the bonus.
Consumer complaint received 2016-09-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (DE)

I checked my credit report and upon doing that it came up " XXXX XXXX '' when I called they had no reasoning for the charges they say they can not see the information. Upon researching it is a medical bill for a XXXX/ XXXX XXXX that I did not have.
Consumer complaint received 2015-08-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration (MD)

In XXXX, I was contacted by Bronstein and Weiss Arbitration about a payday loan I owed of about XXXX dollars. I was willing to pay, as I am not arguing the loan. After making an initial payment, and XXXX other, I was unable to make the folowing ones because of income. The deb collector contacted me, threatening to " Contact the DA and to have legal and criminal action taken against me ''. I paid another amount and got a receipt, which has my name spelled wrong ( it 's attached ). When I confronted them and asked them for an email or letter regarding the debt and how much I owed, they said they could n't do anything besides the initial deal made between the XXXX of us. They would n't even send me a letter confirming the debt, or anything about it. XXXX weeks ago they contacted me for the last XXXX dollars, threatening again, legal and criminal action. XXXX XXXX XXXX said that his " lead attorney '' was willing to go to court and have criminal action charged. When I asked to speak to the lead attorney, he dodged around and even asked " Ca n't your parents just pay for you? ". He said if I do not pay by XXXX that they would have to press criminal charges.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We refinanced our home almost 2 years ago. At the time, I asked the BOA representative how would we be able to remove the PMI from our loan. I was told once the LTV ratio was below 80 %, I would be able to contact BOA and have them remove the PMI from the mortgage. We recently reached the 80 % LTV ratio so I contacted BOA to have them remove the PMI. I received a letter from them stating in order to do that I would either have pay a {$440.00} appraisal fee to have it removed immediately or wait and pay 3 more years of PMI to have it removed without an appraisal. I believe this is unfair because at no point in my conversation with the BOA representative did he mention the loan had to be a certain age or we would have we would have to pay an appraisal fee.
Consumer complaint received 2020-03-13
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: Commonwealth Financial Systems, Inc. (OH)

To Whom It May Concern, The reason for my dispute is COMMON WEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMON WEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMON WEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMON WEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. COMMON WEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2015-06-13
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2017 I visited XXXX and saw an advertisement for the Wells Fargo Cash Wise Visa Card. There was an online only promotion for new applicants to earn {$150.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. With this offer in mind, I applied for the card online. My application was approved and I immediately received an e-mail confirming my application from the online customer service team. My card was set to arrive within 5-7 business days. On XX/XX/2017 I received the Wells Fargo Cash Wise Visa Card with no information about the {$150.00} cash rewards bonus. I contacted customer service who directed my call to the rewards department. Upon checking the system, the representative was unable to determine why the cash back bonus was not applied to my new account opened online. I was informed that an internal investigation would take place. This is completely false advertisement on Wells Fargo 's behalf. I visited the website today on XX/XX/2017 and again am able to view the advertisement for {$150.00} online only promotion. I have applied for the card to be able to take advantage of this offer ; however I was not able to take advantage of this offer because it was never applied to my account as promised.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX BANK XXXX ... XXXX BANK XXXX ... XXXX XXXX ... .XXXX XXXX BANK XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ....
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

1. XXXX county court docket. On XXXX XXXX, XXXX a XXXX XXXX is filed to foreclose the mortgage. On XXXX XXXX, XXXX Plaintiff files motion for summary judgement & to re establish a lost instrument. But then on XXXX XXXX, XXXX almost a year after filing the foreclosure plaintiff claims to have found loss instrument ( original note and mortgage ). Per Florida Fair Foreclosure Act Plaintiff must show is legal owner of promissory note that borrower signed at closing promising to pay debt. On XXXX XXXX, XXXX at final judgement granted by non jury trial plaintiff attorney shows me forged instruments note, mortgage. There is only XXXX original note & mortgage which are the ones signed at closing and these are not the ones I say with 100 % certainty and further prove it with a forensic examination report I have in my possession and Plaintiff has been provided a copy of. Per Florida statute XXXX a person is not liable on an instrument unless the person signed the instrument which I did not and a felony of 3rd degree. Some additional info provided above thru research. 
2. This original XXXX mortgage loan acquired by XXXX was insured and has been paid and collected upon one time. Plaintiff has been trying to collect a 2nd time on a mortgage that has already been paid to them by insurance long time ago.