davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (DE)

I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. 
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. 
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. 
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed. 
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working.
Consumer complaint received 2015-11-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I used my debit/check card for a purchase at XXXX 's XXXX XXXX. There were insufficient funds to cover the purchase but the purchased was approved. I had previously chosen to not have a purchase approved if funds were insufficient when the same thing happened a couple of years ago. I chose to have the purchase refused. My bank is USBank. After noticing the overdraft charge in the transactions listing from the online banking site, I called USBank and they said that it was linked to my XXXX XXXX XXXX account. I stated that I specifically chose not to allow charges to be approved if my checking balance was insufficient. I also stated that an no time did I change my account to use the XXXX XXXX XXXX as a source to cover any overages. USBank charges {$12.00} to cover the purchase with the XXXX XXXX XXXX. This also means that since I have used funds from my XXXX XXXX XXXX, I am now being charged interest on the amount from the XXXX XXXX XXXX and need to make monthly payments to the XXXX XXXX XXXX until the balance of used funds is {$0.00}. To be clear, I never chose to link the XXXX XXXX XXXX to my checking account to cover purchases made on insufficient funds. Those purchased were supposed to refused per my request. These changes were made without my knowledge. Further, I can not choose to delete the XXXX XXXX XXXX from overdraft coverage from the website. I must call the XXXX number of visit the local branch to remove it from overdraft protection coverage. My local branch is located in XXXX XXXX, CA, XXXX. The clerk states that the only purpose of the XXXX XXXX XXXX is to cover overdrafts on my checking account and that in order to have my purchases refused due to insufficient funds, I will have to close the XXXX XXXX XXXX. USBank uses XXXX different terms regarding overdrafts. Overdraft Coverage and Overdraft Protection. The automated phone system says my current account does NOT have Overdraft Coverage. However, my monthly statement has a small section, easily overlooked, that states my account has Overdraft Protection linked to my XXXX XXXX XXXX. I believe this is an intentional tactic to confuse customers into incurring unintended bank charges. The USBank representatives told me that I should not be confused by their different policies and terms even though both representatives had to consult with managers and other bank employees in order to explain the difference between the terms and policies. Lastly, the representatives claimed that the XXXX XXXX XXXX was part of my checking account and could therefore be used to cover a purchase not possible with the checking account. When I asked, " if they are linked, then why was the purchase considered an overdraft? ", they claimed that the XXXX XXXX XXXX was NOT linked for that purpose.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CASHCALL, INC. (CA)

Received a call from  XXXX   XXXX  from  XXXX   XXXX   XXXX . I advised her I am not allowed to receive personal calls at work.  XXXX   XXXX  threatened to sue me. I again advised her I was not able to speak with her while I am at work.  XXXX   XXXX  has also contacted my employer on his personal cell phone.  XXXX   XXXX  very verbally abusive during this entire call.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

XXXX funding is currently reporting an old XXXX collection account 120 days late as of XXXX 2015 on my credit report. I have never made a payment on this account with XXXX therefore i can not have a payment history nor did I sign a contract with the original creditor. I called midland to dispute this information and I was told they do not report as late on credit report. I disputed the inaccurate information with Equifax and equifax said that XXXX validated the information. XXXX and equifax refuse to move the 120 day late on XXXX 2015. I have been back and forth with XXXX and Equifax and neither are helping. It is my understanding that collection agencies are not allowed to report monthly late payment history therefore I would like this deleted from my credit report because it is inaccurate. I would like XXXX and Equifax to provide me with all documents relating to this account, all payment history, original contract and NOT use the XXXX verification process as it is not detailed. I am attaching files showing that XXXX did indeed report the lateness andit is not accurate. This has been causing me numerous problems and I would just like to get it settled
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

i have disputed this account on my credit report with experian XXXX XXXX XXXX acct # XXXX, experian did not do proper investigation and verified the account, i escalated my dispute XXXX, i have received a resolution that grants the account to be deleted as per XXXX who is servicing the XXXX tradeline, i want experian to delete this account immediately to enable me pursue my financial goal, i have attached a copy of the resolution letter
Consumer complaint received 2015-04-30
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (TN)

on XXXX we bought a car from drive time and until XX/XX/XXXX the were reporting our credit history to all XXXX credit bureaus and since XXXX there has not been any records shared with any of XXXX credit bureaus we have been trying for months to resolve this problem with no success this is hurting our credibility. after we finnish payingfor this car we will have spent {$21000.00}. please help us and get drive time to report all of our payment history to all XXXX credit bureaus like the said they would do.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

In XXXX 2015 after moving from XXXX, XXXX we contacted XXXX several times telling them we 've moved to XXXX, XXXX XXXX, and that we could no longer get a consistent connection. After about the 5th call they returned our call and said they would have their engineering dept review the situation, and that they would get back to us. 

Approx 7 weeks later they finally got back to us and said there was nothing unusual about the dropped signals. We told them that it was unacceptable and we wanted to discontinue our service if they could not provide a signal that was usable to us as customers. A couple weeks later they called us back and said there was nothing further that could be done to remedy the situation and we were denied the opportunity to speak with a supervisor in order to address this issue. 

We called several more times asking for a supervisor to return our call. Around XX/XX/XXXX they said there was nothing further they could do and our account had been turned over to a collection agency and we could only deal with them at this point, this, after we had asked for a supervisor to review this situation all along! It is ridiculous to imagine any customer would pay for a product that they could not use! 

It is both inappropriate and unethical for XXXX to attempt to commandeer my hard earned money from me for their inability to deliver service and obfuscating the issue by simply placing the account into collection with : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Instead of addressing the issue of concern XXXX is using the collection agency as a vehicle to extort money out of me and ruin my excellent credit. I have already had my credit score lowered and lost a mortgage over this issue. 

XXXX nor any company should get away with such atrocious business practices at the expense of loyal customers. Your assistance in this matter is gratefully appreciated. 
XXXX XXXX
Consumer complaint received 2016-04-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I am formally requesting that you DELETE this account listed below from my credit report immediately from all credit reporting agencies! 

CHASE HOME FINANCE LLC XXXX I 'm in receipt of your letter dated XXXX XXXX, XXXX an attempt to validate this dept and your right to report this on my credit and still expect a payment on this CHARGED OFF account. 
Please note that your letter, loan note and payment history is CONTRADICTORY to your statements set forth in this letter you send me for XXXX XXXX, XXXX Following are inaccuracies, misrepresentations and wrongful information provided by you and I will be forwarding these supporting documents as evidence of your wrongdoing to the CFPB immediately! 

1 ) Letter dated XXXX XXXX, XXXX AND XXXX XXXX, XXXX addresses Customer names as : XXXX XXXX and XXXX XXXX ( me ). HOWEVER, copy of the note for the loan YOU provided lists XXXX XXXX and XXXX XXXX XXXX ( not my name ). WHY OTHER OTHER BORROWER 'S MORTGAGE NOTES ARE BEING SENT TO ME ... ... .... 

2 ) Payment history you sent lists XXXX XXXX with different address then you previous responded with, and NO XXXX is listed anywhere on this payment statement. 

3 ) Your letter states that loan is charged off with a balance of {$50000.00} STILL DUE, HOWEVER, the payment history you provided clearly shows that you Charged off the full balance, issued a XXXX, which left the outstanding balance of {$0.00} BUT you STILL ACTIVELY TRYING TO COLLECT ON THIS ACCOUNT. I find this illegal! 

4 ) Mortgage statements you sent dated XXXX XXXX, XXXX show XXXX XXXX as the borrower XXXX XXXX WAS NEVER ON THESE MORTGAGE STATEMENTS THAT YOU 'VE SUPPLIED. 

5 ) WITHOUT A MORTGAGE NOTE LISTING MY NAME AND SS # YOU CAN NOT BE REPORTING THIS ACCOUNT ON MY CREDIT REPORT. 

6 ) WHEN ACCOUNT WAS CHARGED OFF AND XXXX WAS ISSUED, CHASE CAN NOT CONTINUE TO ATTEMPT TO COLLECT DEBT ON THE CHARGED OFF AND XXXX ISSUED ACCOUNT.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I opened account and Chase decided to close it a month later. I asked them to refund the annual fee since I was unable to use account due to their decision to close it a month after I opened it and not getting the years service they charged me to and they refused. Want account closed zeroed out all purchases have been paid in full.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CITIBANK, N.A. (NY)

My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with Citibank that had been sold to XXXX XXXX XXXX XXXX in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to Citibank yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. One is to a court for an unrelated incident. If that check bounces because of this I will probably have a bench warrant for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just graduated with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX XXXX. As I am typing this I am missing work. I work in the service industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from XXXX XXXX XXXX. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (MD)

Harris and Harris collection agency has been repeatedly calling and leaving a voicemail to a XXXX Voice # I do n't give out, claiming I owe a debt. I asked to whom, and they claimed a XXXX XXXX. I then called XXXX County to see, they checked the city , county, mva, and court databases and I have NOTHING there. Harris and Harris wo n't send me anything via mail regarding the collection, unless I verify my address, which I wo n't because this seems like a scam. I will follow up with my lawyer if need be.
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (PA)

Over the past 5 years they keep putting my number into their automatic call system. I tell them to remove it and it start happening after about 6 months. they were calling every day at about XXXX for the last month XXXX 2017. I ignored it this time and finally called them and they said they would remove it again. I want them to remove my number permanently. They call from XXXX looking for a XXXX  XXXX.
Consumer complaint received 2015-04-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

XXXX CEO SETERUS RE : loan Once again I mistakenly contacted customer service at XXXX expecting to be assisted in my issue regarding {$83.00} that should have been credited to my principle account in 2010. Once again third time in 3 months your customer service department ca n't seem to pull it head out of its XXXX and answer a simple question. Once again today i was hung up on and refused to be allowed to speak with a customer service supervisor. 
Today the first XXXX that ca n't distinguish between call on hold and transfer button to voice mail. XXXX took my information and put me on hold for 17 minutes that was then switched to voice mail and I was disconnected. Typical when i have called over last 3 months. Called back and got connected to XXXX who i asked several times to speak with a supervisor. She refused and i was fed up with this XXXX that ca n't seem to understand I did n't want to talk to another XXXX rep that ca n't understand the customers simple request to deal with a supervisor. I hung up XXXX and called a third time and spoke with XXXX. Of the 3 she at least understood and honored my request to speak with a supervisor. After 6-7 minutes I was able to talk with a supervisor the was a total waste of time. The supervisor kept insisting that her people acted correctly, even though they XXXX dropped the ball first disconnecting me and then refusing the request to speak with a supervisor and not the XXXX. 
I will not be lectured by anyone including the XXXX supervisor when you XXXX clowns as a matter of habit hang-up and disconnect my calls EVERY TIME i have called in the last 3 months. Your supervisor lame XXXX apologies and lecturing the customer is not acceptable. If the department that deals with this stonewalls me in giving a response I directly hold your XXXX lame XXXX customer service accountable since they are the only contact number I have. Rather than answer a simple question or check with and inform the customer why they are on hold for 17 minutes or your XXXX customer service department try 's to defend its XXXX response and treatment of customers. 
This is nothing new with this XXXX company every time in the last year with the exception of one time I have been shuffled around, placed on eternal hold and hung up on. This attitude always comes from the leadership top down on how customers are treated. I 'm XXXX sick of your companies XXXX customer service reps. I am looking to refit and get XXXX away from this XXXX mess. The treatment you allow customers to endure is criminal and that is a understatement. Apologies from any XXXX supervisor or CEO XXXX mean nothing. 

Fix the issue and I also want the principle amount corrected for interest wrongly charged on the missing {$83.00} dollars since 2010. I will forward my complaint to XXXX and any other regulating agency that can slam you company and file charges for your unlawful misdirection of funds and wrongly accrued interest on the amount in question.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My trial loan modification was approved in XX/XX/XXXX with the first trial payment due XX/XX/XXXXand if completed satisfactorily by making 3 months ' payments on time, would convert to a permanent modification in XX/XX/XXXX. I completed all payments on time and have continued to make on-time payments however to date, I have not received my permanent modification agreement! As well, despite my on-time monthly payments, the servicer is continuing to negatively report delinquency on my credit. I have contacted the servicer repeatedly and get a different answer each time varying from, " we have not received investor approval as of yet on your modification agreement and are working on that '' to the most recent answer of " we are having an internal issue with our servicing system and are working to resolve this issue. '' Per regulation, they had 30 days to provide me my permanent modification agreement and it has been over 120 days. Please help as I am not getting any resolution from the servicer.
Consumer complaint received 2016-04-01
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (CA)

As a favor to a friend, I setup a Chase Quick Pay account linked to my credit union checking account. This person 's relatives would send money through Chase Quick Pay where I would get an email to login and to accept this money. I would do so and after 1-2 days, the money would show up in my checking account. I would then proceed to withdraw that money for the person it was intended for. The last transfer for {$170.00} was deposited to my checking account on XX/XX/2016. I noticed today however, that the money was reversed by Chase and taking from my account on XX/XX/2016. I would assume that once the money was transferred and deposited, that the other party could not cancel the payment. Further, I would assume that once Chase makes the transfer, the money being transferred has been verified and is available. I do not understand how Chase can come back a week later and remove that money from my checking account without me agreeing to it. Also, if that money was not available, why is Chase even making the transfer to begin with. I feel I was scammed both by the person making the transfer and Chase.
Consumer complaint received 2016-08-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (MD)

I knew the stipulations to taking out a installment loan ( air quotes ) long term payday loan. I decided to do so with Big Picture loans aka Castle Payday loans. I made my first initial payment of {$200.00} which covered the finance fee and an additional amount to go towards the principle. Now it 's time for the 2nd payment due and I want to make the same payment. Per there instructions you have to notify them 2-3 business days before the payment date, in which I did. I get an email back from thing 2 days later explaining they had a high email/call volume sorry for the delay but they already processed only the finance charge. This seems like a crook move to me so they can get more money out of my pocket. Something told me to not do business with the company, but I had a bill that desperately needed to be paid. I do n't like the deception in this company. Not to be disrespectful but the customer service people can barely speak proper English and I feel stupid to have even started doing business with them for the almighty dollar.
Consumer complaint received 2016-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

I noticed that there are at least XXXX school loans on my credit report when there should only be XXXX listed open/current/deferred because I am in school until 2020 and they do not have to be paid until then. I am writing you to ask that these accounts that are closed/paid off/transferred be removed as they are effecting my credit. Alot of those loans has intercepted my taxes and is paid off. I am in school bettering my education and is looking forward to improving my credit. With all these negative accounts its making it hard for me to move forward with my life. Due to hardships being in and out of work because a lot of my jobs were short term assignments it made it hard for me to pay off my loans. I ask that you please update or remove my accounts to good standings. With my reports saying I 've missed 12 payments, 10 payments, etc it makes it hard for me to actually get approved for anything. I have been disputing with each credit bureau and I 've been getting nothing but the run around. I 've been hung up on, transferred to different numbers, I 've also disputed and still nothing good has happened. I 've been looking for jobs and right now I 'm receiving financial support for me and my child from family members. I just want to get my credit straight and I believe this is why I cant get a job and I cant get approved for anything because these are reporting delinguent.