davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CT)

I canceled my mother 's cable account last XXXX, since she is ill and has moved in with me. Her monthly bill was approximately XXXX and was paid up to date. I received a bill from a collection agency on behalf of XXXX for {$440.00}. I contacted them twice to dispute the bill and never heard from them. I was then sent a notice from Sunrise Credit Services. I again disputed the bill. Sunrise Credit Service sent me a statement from XXXX dated XXXX of 2015. The service was cancelled in XXXX of 2015 and the house was rented out in XXXX of 2015.
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (DE)

I 'm trying to pull my annual free credit report online, and so far it 's taking about XXXX45 minutes to actually generate an Experian report. My screen says, " Please wait while we retrieve your report. '' If their system is frozen this will negatively affect my ability to get my free report. I have n't even gotten to the other XXXX reports yet. This is unacceptable.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

My Citi Thank you card ( reported 2 months ago ) does not reflect the true balance of the actual amount I owe. I have confirmed this with City. Please find the attached which will be mail to the office of the president. As it appears Citi likes to work at a glacial pace, I will be submitting the following which I have generated today. Having just spoken to XXXX in disputes, she did in fact say that the activities are more accurate than the PDF statements and that the PDF statements are sometimes 3 months behind with credits. 

I am attaching the activity spend of XX/XX/XXXX and XX/XX/XXXX. Reflecting a true balance {$4200.00}. 

Furthermore, I am attaching the PDF bank statements that show the discrepancy. LET THERE BE NO CONFUSION, THIS IS NOT A REVISIT INTO DISPUTES, FRAUD OR ANY SUCH MATTER BUT AN AUDIT OF WHAT WAS CHARGED AND CREDITED. 
FYI. ALL MY OTHER CITI CARDS PDF STATEMENTS MATCH THE ACTIVITIES REPORT. JUST FRUSTRATED I HAVE BEEN OVERPAYING NEARLY $ XXXX, OF CHARGES THAT WERE NOT MINE.
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

They call shortly after XXXX and again usually around XXXX. There have been a few days where I have received XXXX calls from the same number as well, each time the same situation. 
I answer the call and the caller hangs up. Nothing is said from the calling party.
Consumer complaint received 2015-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (FL)

I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

I once again find myself filing a complaint against Seterus. I am in the process of refinancing and requested a verfication of mortgage on XX/XX/2017. I was told by the agent that it would be sent to XXXX in 3-5 days. I called on XX/XX/2017 and was advised by a differant agent that they were short staffed and it would be sent out no later than XX/XX/2017. It was not sent and I spoke to yet another agent at Seterus who told me it was 5-7 days and with Monday XX/XX/2017 being a holiday the information would be sent on XX/XX/2017 at the EARLIEST. This has delayed my closing as this was the final document that I needed to close. Seterus is deliberately delaying this process that has caused my rate to climb from 3.75 % to and unknown figure well above 4 %. I do n't know how many complaints you must receive before anyone in the government takes action against Seterus. I will seek my remedy through my Congressman and the Virginia Attorney General 's Office and consult with an attorney on my legal rights.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Dynamic Recovery Solutions, LLC (TX)

A debtor called me from Dynamic Recovery Solutions by the name of XXXX XXXX, and threatened me about a debt from XX/XX/XXXX. He stated my last payment was XX/XX/XXXX, and when I stated that I became unemployed shortly after that, and currently pay too much in student loans to handle any additional payments, he began revealing personal information. He literally threatened my credit and adding it to my credit history as he said " I see you have good credit right now, you have a couple of student loans, and it seems like you would n't want this held against you, but I can see you just do n't want to settle your debt. You are still being held responsible for this debt. '' I explained that I know my rights and it has been over seven years and he can not sue me or threaten my credit as it is past the statute of limitations, at which point he backtracked and continued to make back handed comments and insinuate that they would damage my current credit.
Consumer complaint received 2016-01-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Macy 's XXXX credit card was illegally scanned at a XXXX gas station, cloned and fraudulently used in NJ. The issuing bank failed to alert me and block my card for an unauthorized activity. I found out about fraudulent activity via accessing account online. I placed a call to Macy 's Fraud Department on XXXX/XXXX/XXXX to report fraudulent activity. Thereafter, I promptly filed a Statement of Fraud, which Macy 's received on XXXX/XXXX/XXXX. I followed up with a call to Macy 's on XXXX/XXXX/XXXX for the claim 's status update. A representative declined to provide any information, and refused to remove unauthorized charges from my account. As of XXXX/XXXX/XXXX, {$630.00} plus accrued interest show on my statement without any acknowledgment by Macy 's, nor claim 's status update.
Consumer complaint received 2016-05-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dyck-O'Neal, Inc. (FL)

In the process of closing on a Short Sale, our attorney informed us that XXXX required us to sign a Promissory Note or the Short Sale would not be approved ; basically extortion. We had no choice but to comply. However, the Promissory Note we signed was for payment to someone called Dyck O'Neil, a company in Texas. The Note was very poorly constructed and look like a scam to us. In checking the company 's website, there is no indication they are affiliated with XXXX ; a very poorly constructed website. We requested that the company invoice us for the payments and also asked that they provide XXXX documentation that shows the money is indeed going to XXXX. They refused. We have no way of knowing if the Note is legitimate and wo n't pay on it until we do. Of course, Dyck O'Neil is now reporting missed payments to the credit bureaus. Is this form of extortion truly legitimized by XXXX?
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (NY)

I have contacted Diversified consultants in the past about at XXXX XXXX XXXX bill that does not belong to me. They previously removed this fraudulent account from on my credit report and NOW THEY HAVE PUT IT BACK ON AGAIN. As I previously notified this collection agency that I do not owe this debt but yet once again without contacting me whatsoever they put this debt on my credit report. This debt DOES NOT BELONG TO ME!!!!!!!!!!!!!!!! This collection agency is using fraudulent information to ruin my credit report. They have done it before and once again they are doing it.
Consumer complaint received 2016-01-30
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: United Student Aid (USA) Funds (AZ)

I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called XXXX XXXX XXXX this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and XXXX XXXX XXXX think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.
Consumer complaint received 2016-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Recoveries, Inc. (IL)

I have defaulted on my student loan and fully accept that portion of my actions. My complaint, however, centers on the collection agency assigned to my debt : National Recoveries. I have contacted them by phone and letter ; their phone number is a single line that leads to a voicemail to which they have failed to either ( 1 ) answer at any given attempt of my 23 attempts and ( 2 ) have failed to contact me during times I have stated I would be open and available to talking to them about my debt issue. They have only provided one manner in which to contact them and have contacted me once according to my phone records which was not a stated time as I was at work which was XXXX. They 're failure to provide a dialogue of any sorts not only has resulted in higher accrued interest but also my inability to settle a debt or make voluntary payment arrangements with them as they fail or simply do not wish to contact me.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX there was a fraud issue with my Captial one credit card. Apparently, someone got a hold of my credit card information and made charges to my account. Prior to the charges made, I made a credit card payment of {$160.00}. When I received the alert regarding informing me that my credit card information had been compromised, I immediately check my account and noticed that there were charges on the my account that I did n't make. I then contacted Capital one and filed a fraud case. After six weeks of not receiving a follow up call from Captial one. I decided to give them a call. On XXXX/XXXX/16 I contacted Capital one to find out what the status of the fraud investigation was. After spending an hour talking to XXXX Capital one representatives, I was informed that the issue has been resolved and the outcome was that all of the charges made to the account would be refunded, I would n't be responsible for the current amount due which is {$82.00} and I would have a new credit expedited to my resident. Today, I contacted Capital one and was informed that a new card would n't be issued until I pay my current balance of {$82.00}. I then explained to the representative that I have XXXX other major credit cards and I have never been told that they would n't send me a card until pay my current balance. I asked to speak to a supervisor, but was told that there was not supervisor available and if I did in fact speak with XXXX, they would in fact reiterate what I was already told.
Consumer complaint received 2016-12-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I, received a call from a company stating I owe them money from XX/XX/XXXX Ace Cash Advance here in XXXX, TN this past summer. I requested proof and they refused to send me proof in the mail. On XX/XX/XXXX, I received a voicemail that showed on my caller id as XXXX. Then a voicemail appeared from XXXX stating her name is XXXX XXXX from The XXXX XXXX XXXX 's Office here in town and she says I need to call a XXXX XXXX @ XXXX. I returned the call and he is speaking to me about Ace Check Cashing Company payday loan from years ago. He stated the company has sent me out over XXXX pieces of documentation and they just received the unsigned certified letter back. I replied I have not received any correspondence on this matter. I then told him about I know years ago I had a couple of payday loans, but they were paid off or filed on bankruptcy. He then told me he can see when I filed bankruptcy. He says nothing like that is on the bankruptcy filing. He says there are XXXX warrants being issued for me and if I want to avoid, I can negotiate a settlement and he would remain on the phone until I received official documents proving the debt is settled and closed. He says he is trying to prevent the judge from signing the warrants for my arrest. He stated I can do XXXX3 years jail time because this is a federal crime and I can be responsible for paying {$5600.00} as opposed to the {$1100.00} he will settle out of court with me. I requested an hour to verify. I called our criminal court here in XXXX XXXX and I spoke with an employee in criminal court to ask are any warrants in my name. The employee I called stated NO. He stated the court system does not work like that. He instructed me it is possibly a scam and to report it. I called and was instructed on the different ways to report and to give the most information I could regarding to whom I spoke with. I called back and a female answered who sounded like the lady whom left me a message to call XXXX. She placed XXXX on the telephone and I asked what company was he representing. He stated pre trial and then was very short stating he is trying to help me and he respects me trying to confirm. I asked again and he stated XXXX. He stated he has other calls and he needs to assist others. He states he wishes me luck and the warrants will be signed since I did not pay. He then hung up.
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was on the phone with my mortgage company to apply for a repayment plan and they had information on a Capital One Credit Card account in my name for XXXX dollars. I do not do business with Capital One, I do not have a Capital One credit card. I have n't had a Capital One Credit Card for probably over XXXX years. I believe someone has opened an account in my name, but am not sure what to do about it. Please can you help me.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

This complaint is being submitted by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX and XXXX XXXX. This complaint pertains to Rushmore 's violation of the CFPB 's loss mitigation procedures. 
On XXXX XXXX, 2015, XXXX faxed a complete Request for Mortgage Assistance ( RMA ) to Rushmore 's Home Retention Department on behalf of XXXX and XXXX XXXX. ( Exhibit A ). Pursuant to Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), a servicer must " Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' XXXX ( B ). 
To this date, XXXX XXXX, 2015, Rushmore has not acknowledged receipt of the XXXX ' application. It has been nine days since XXXX sent Rushmore the package ; thus, Rushmore is in violation of Regulation X.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

It is our contention that Capital One Bank has been UNJUSTLY ENRICHED and has engaged in DECEPTIVE PRACTICES to obtain the mortgage of the subject property. We have reason to believe that either, the loan terms were misrepresented to us before closing and payments made to the servicer on this note were inaccurately charged or will be charged over the life of the loan, and/or posted, causing unnecessary financial and emotional stress. We are particularly concerned that the mortgage broker represented that Capital One could provide a loan under {$3000.00} and that a HUD 1 was never provided to us before closing. Until recently, we have stayed in contact with XXXX XXXX XXXX and XXXX XXXX XXXX people within your customer service departments, loss mitigation departments, without successful resolution. Throughout the loan process we were given the runaround by Capital One starting with a former employer of Capital One, XXXX XXXX XXXX not securing and losing all of my personal documentation. My family is not trying to get out of paying anything, only obtaining the amount we feel we are owed by Capital One based on disclosures by your mortgage broker. The amount of damages we are seeking based on the negligent actions of XXXX XXXX XXXX amounts to {$72000.00} over the life or the loan. Alternatively, we want the option to renegotiate the terms of the loan with Capital One and/or outside mortgage companies who were more truthful than Capital One from the start of this process.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MO)

On XXXX/XXXX/XXXX I opened a Brandsource credit card from Citibank, XXXX with 0 % APR for the first 12- month period and paid the balance in full on XXXX/XXXX/XXXX before the 12- month period expiration date of XXXX/XXXX/XXXX. I made total payments of {$1200.00} for an actual purchase amount of {$1000.00}. I have all copies of the paid checks and statements from the company. 
Unfortunately, I was shocked to receive a a bill for {$530.00} from a collection agency Named XXXX XXXX XXXX, XXXX. 
I have complained to both the creditor and the collection agency and have not received a response from neither XXXX. 
Copies of all documents, paid checks and statements were sent for both the creditor and the collection agency for verification of full payment of the account. 
I would like to file a complaint with your department.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (IL)

I opened a checking account with Citibank a couple of months ago and during that process I also enrolled in Online Banking so that I could monitor my accounts. When I enrolled in online banking I DID NOT have a debit card as I did not want XXXX nor need XXXX. Up until about a week ago I started having problems with the log in for online banking and all attempts to gain access to my accounts have failed. I 've tried to use the forgot password option to no avail. Citibank has refused to help me and instead has said that I will need to have a debit card in order to gain access to my online banking. However, if a debit card is so crucial for online banking then how was I able to enroll in online banking when I opened the account and monitor my accounts until recently? Citibank has refused to answer this important question and instead is demanding that I receive a debit card. I explained that I do not need a debit card. Their behavior seems very similar to the XXXX scandal where bankers were pushing products on consumers that did not want nor need the products. I truly feel that is what 's is happening to me as I 've always had online banking until a week ago when problems started.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recovery Solutions (SC)

I just pulled my XXXX report and seen that I had an collection account from this company Rent Recovery Solutions and I was aware of this debt, so I called and spoke with a representative by the name of " XXXX XXXX '' she stated that she had to call me back because she was on another call, so I had given her my information and she called me back from XXXX she went on to tell me that I had an unpaid account with a community property by the name of XXXX and I informed her that I was n't aware of this debt and that it was n't mine, I asked her to tell me the spelling of the name on the account as that I 've had some issues in the past that 's been placed on my credit report which was n't mine, she did n't give me that information only went on to say that she would email me all of this information, still refusing my request to give me the spelling of the name on the account, she then proceeded to say that if you want to settle or make payment arrangements you can and again I told her that I was n't aware of this account and I 'm not paying. Not once did she state the mini Miranda and still asked me about money. I know my rights as a consumer and I know that this was one of my rights that 's been violated. I will be seeking law actions against this company and I want this debt removed from my credit that I know anything of.
Consumer complaint received 2015-04-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I received an offer from Midland Credit Management to settle an old collection account for " 40 % off '' 'if I paid {$740.00} by XXXX/XXXX/15. I mailed them a check for that amount which cleared on XXXX/XXXX/15. Today I received a letter stating " Our records indicate that your payment plan has expired or you have not yet established a payment plan on your outstanding balance. '' Now they are demanding {$490.00}. I feel this is unfair since I accepted their offer of a lump sum payment and consequently did not need a payment plan. 

I do not wish to speak to company representatives by phone. I took their offer at face value and was trying to do the right thing. I do n't believe their offer was a good faith offer or negotiation.
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I had Macy 's account before. I always paid all the dues/charges I purchased at Macy 's but it always showed {$2.00} balance in the next month 's statement. I called and complaint this many times to them and finally I closed Macy 's account and never bought anything from Macy 's. 
But Macy 's showed these {$2.00} balance on my credit report and reverse effect my rating. It 's not right. I hope this authority can help me correct it. Thank you.