davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (OR)

I put money on my Rush Card, went to use it and it was a no go. Went on line to check my account and the webpage showed a XXXX balance. Tried to call their customer service and got some long winded gobbley gook about contacting them and the problem was being worked on, and on they went. Now they say that I have no money on their, which tells me that the problem STILL is n't fixed!!! This is totally unacceptable. I have had to borrow to pay utilities and explain to my landlord about my rent. I feel like such an XXXX for trusting this card. NEVER AGAIN!! It is now XXXX XXXX, 2015 and STILL no fix on the card!! They are gaining the interest at the bank where this money is stored and you can bet your life that the customers of this card will NEVER see a dime of THAT!!!
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (VA)

I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails.
Consumer complaint received 2016-08-19
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I have an issue with a transfer that was completed when I left the Ace Cash Express on XXXX/XXXX/2016. The receiver stated that the money was not available when promised and today after checking the money gram website it no longer exist. I did not cancel the transfer nor did I receive a refund.
Consumer complaint received 2017-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery is constantly calling me multiple times a day. I 've had days where they call me a minimum of XXXX times. They use different numbers from all over the United States. I block XXXX number and they call me a little later from a different number. They call me on my cell phone using tons and tons of numbers every day of the week. They call my house phone every day of the week at least 3 times a day. There is no rest from them whatsoever and it 's harassment at this point. I do n't even know what the supposed debt is. I know I have debt but I do n't remember ever being told what debt this is. They call and never leave voicemails. I search the numbers and find out it 's them.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (OH)

I applied and received a mortgage on a bank-owned house in XXXX Ohio last XXXX 2016. I also received a XXXX loan with this home. I had a contractor, who arranged for the work, and I signed the contract, not aware that things were missing. The basement and crawl space has frequent water, has damage, and was not listed on the original paperwork. I was not present to ask about those things at the time. Contractor turned out to be unsavory, even though vetted by my local mortgage company. Mortgage was then sold to bank in New York. I have not drawn on the loan, but keep paying. Bank seems 'stuck ' with what needs to be done, even though I have tried to express to them importance with their forms and XXXX info, that I can change things to ensure my Health and Safety in that home. They do not say yes/no, they merely re-state I must do things by a certain date, or I am out of compliance. I want to rearrange loan monies to fix the basement. It still requires $ XXXX to fix everything, and I will have to find a way to financially do this. This is before things can be done like replacing exit door and tiling area, which is on the original list. The house has foundation problems with accompanying moisture and mold issues and lower level can not be made habitable until rectified. Submitted paperwork to do same, but bank is telling me for the past 6 months or so, that I need to stick to the original plan. I question bank 's rendering of this loan process when things need to be altered. I have been transferred to at least XXXX staff for administration to no avail. I am tired and can not afford a legal representation at this point ... I also have a house to sell in order to move, but can not do that until I have a new place to live ... I 'm XXXX and have animals and work full time for my XXXX. It has not been easy to deal with M & T Bank, because they do not seem to listen. Please assist me as you can. I welcome ANY helpful information. I would like to refinance the entire loan and start over, if possible. Preferably with a LOCAL BANK I can deal with. Thanks.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had XXXX. I woke up one day and was XXXX. I was XXXX until XX/XX/XXXX and am now recovering. During the time I was Ill no payments were made on my mortgage and a foreclosure was filed The sheriff 's sale is Tuesday I have XXXX in equity in the house and the bank refuses to postpone the sale to allow me to work out a payment plan and bring the loan current The lender is the Bank of America loan number XXXX. I have been talking to XXXX XXXX Ext XXXX. I do not want to have to file bankruptcy chapter XXXX to stop the sale They claim they offered me a modification last spring but I was XXXX and XXXX. XXXX XXXX XXXX XXXX , Illinois XXXX XXXX XXXX
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (MI)

A couple years ago, I was in College and had to go to the emergency hospital due to feeling very XXXX. I was n't aware that my XXXX had kicked in but I could no longer wait. Later on I ran into some big XXXX issues and had no where to live. I had to drop out of college due to these issues. I was then stuck with this XXXX bill I could not afford. After a couple years and pushing myself to get my life back on track, I paid off the debt. I am now XXXX years old and very responsible. I 'm trying to purchase a little house that my little brothers & I can live in. But unfortunately since this is on my credit report I believe it is effecting me. Please help me get this off even though this debt is paid off. I have not let anything else be remotely close to going on collections.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KY)

My mortgage loan was illegally sold by GMAC mortgage to Ocwen Loan Servicing to attach credit card default judgement debt without my consent. My interest rate and insurance remains too high though I continued to pay regularly for more than five years. I receive offers to refinance to lower monthly payments but I do not want to refinance because I do not want additional debt. Rather, I want my mortgage loan to be paid down much faster.
Consumer complaint received 2015-08-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (PA)

I graduated from XXXX XXXX in XXXX, 2014. In XXXX, 2014, I received a letter from PEAKS Private Student Loans stating that I was nearing a default status on this loan. I was completely unaware that I had taken out this loan, as this was the first correspondence I had received from this agency. When I began attending XXXX XXXX, I was coerced into taking this loan because if I had n't, I was informed I would have to either pay out of pocket or drop out of school. Additionally, I was not informed about the terms and conditions of this loan, the high interest rate, nor the fact that this loan can not be consolidated into my Federal Loans. 
I called the agency, and they stated that they only contacted lendee 's via e-mail. I began the dispute process with a credit repair agency, and PEAKS refused to accept the dispute. My credit score dropped, which prompted me to dig further into this agency. It was brought to my attention that there are lawsuits being processed with XXXX XXXX. I again contacted PEAKS student loans so we could discuss possible repayment options, and they informed me that I am XXXX days delinquent, and I have not received notice to that effect. This lender will not allow me to consolidate this loan with my Federal Loans. They are also requesting that I pay a monthly payment that is more than 400 % of what my Federal monthly payment is. I am a single mother who is simply trying to make a better life for my daughter, and each paycheck is carefully accounted for. I just want this loan to be more manageable, and I wish this agency would have contacted me prior to my loans reaching default.
Consumer complaint received 2016-04-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MO)

Why is Ocwen sending me statements for a mortgage paid in full and Why have n't they released the lien in my house? 
They need to collect the {$260000.00} and {$60000.00} from first XXXX and {$35000.00} from XXXX paid twice and arrow and ozark financial who had NO security interest in any property I EVER owned and any funds paid to XXXX after XXXX. ANY funds paid to XXXX XXXX that were not directly paid to the amount shown on the statements I received from them. REFUND WITH INTEREST ALL payments to XXXX XXXX or any payments made to my duplex at XXXX XXXX including escrow payments that are NOT included in the loan on my HOUSE. OR ANY Duplicate payments EVER made. By anyone to my property.and including any payments made to properties I DONT own. 
I had a {$260000.00} loan to which I paid {$360000.00} and {$510000.00} to the loan I paid off. 
I paid all of the principal balances back to all of the prepaid credit and interest ito the amounts added to my mortgages. I did n't owe interest on any escrow added back to my loan. The field adjustments added to the modification on my house were already paid to XXXX XXXX XXXX, XXXX XXXX and midland. I do n't want to borrow HAMP incentives and I want the payments I made to XXXX applied to the 2004 payoff and {$23000.00} I did n't owe XXXX and credit for the payments made to XXXX XXXX for the {$32000.00} field adjustments plus the {$9400.00} escrow and any other part of the {$41000.00} payoff on my duplex. 
I want credit for all of the {$49000.00} and {$18000.00} paid to XXXX and {$5700.00} + {$33000.00} paid to XXXX and {$24000.00} + {$15000.00} paid to XXXX I WANT CREDIT FOR ALL OF THE {$840000.00} cash payments I made to XXXX properties serviced by Ocwen ( for the final servicers of loans with ; XXXX XXXX and XXXX XXXX ). 
And the funds from the foreclosure of my duplex with any escrow used or paid from or by any of these servicers.
Consumer complaint received 2016-12-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc. (TX)

Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. 

I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. 

I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. 

Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX
Consumer complaint received 2015-04-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CURO Intermediate Holdings (CA)

I in good faith, purchased via installment loan an Acer E15 laptop from Speedy Cash ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) on XXXX XXXX, 2015 @ XXXX. 
I realized later that day that I 'd be horribly in debt trying to pay for it. I called Speedy cash the following Monday, XX/XX/2015 and spoke with XXXX and explained everything to her. XXXX misstated she was the manager and that she would call me back. I received no call from XXXX and called Speedy Cash on Friday XX/XX/2015 and XXXX told me her supervisor needed more information and she 'd call me back. I received no call from XXXX and called her on XX/XX/2015 and was told she 'd be in the following day. I called XX/XX/2015 and XXXX advised me she 'd spoken with her Manager ( XXXX ), which was alarming because XXXX had initially told me she was the manager when we first spoke, and had been informed that the laptop could not be returned. 

I called the district manager, XXXX XXXX ; XXXX and explained my situation. She told me that there 's nothing she can do. I asked for corporate 's number and she replied " There 's no way at ANY level that you can resolve this XXXX XXXX XXXX! '' in a very rude and unprofessional manner. 
I 'm at my wits end. I 'm a XXXX XXXX ( XXXX ) and I 'm permanently XXXX on fixed income. I 'm only asking that Speedy Cash let me return the laptop, so I am not forced into debt. 

Respectfully, XXXX XXXX
Consumer complaint received 2015-03-23
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: IQOR US INC (NV)

I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance. 

Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ...
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

On XX/XX/2020 i checked my credit report and found professional debt me is trying to collect a debt that i have no knowledge of i dont know this company nor have i signed any contract nor entered and deals with them
Consumer complaint received 2016-09-23
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (FL)

On the morning of XX/XX/2016 I went in to my local credit union, XXXX XXXX XXXX, and initiated an international wire transfer. On XX/XX/XXXX, I went back to my credit union to inquire about the wire, because it had not been received at the other end. They said that they would send an inquiry to JP Morgan, because that 's who they use for International wires. They said I had to wait a week for an answer. So on XX/XX/XXXX I went back to my credit union again and they gave me the proof that they sent the money to Chase, but could not get anything in writing from Chase confirming that Chase had sent the wire! Since Chase would not confirm in writing that they sent the wire, I requested my money back. According to my credit union, Chase says that they are investigating, and would get back to my bank within two weeks, or maybe three months! All I want is either proof they sent the money, in writing, or the return of my funds immediately! I should not have to wait three months, they either sent it, or they need to return it. The receiving bank asked for an " XXXX '', that is a XXXX message format used for making XXXX international transfers. This wire transfer is a XXXX transfer, so why do n't they supply my bank with the XXXX information for the wire transfer, if they did it? Please help me with this, I have no one to help me, including my credit union, they will not make Chase give them proof of the transfer in writing, I am a member in good standing, but whatever Chase says, they just bow down to them. 

Thank you in advance, Sincerely,
Consumer complaint received 2017-03-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

several years ago I opened a checking account at Washington Mutual Bank. Part of the product line offered with the checking account was Free cashiers checks. The bank was sold to Chase. I recently got a letter from Chase stating in a few weeks they will begin to charge me a fee for the cashiers check. As I recall the original offer from Washington Mutual was free cashiers check for life. Do I have any rights here?
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Ability Recovery Services, LLC (TX)

Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Experian is refusing to give me my free credit report from a " 60 day adverse action ''. I was denied credit with XXXX XXXX on XXXX XXXX 2015. I have tried to request a free credit report from Experian several times online, and each time their website displays " unable to honor your request. '' I want the credit report provided to me in an online format, as I do not trust my credit information being sent through the mail. I am entitled to a free credit report from Experian due to the adverse action, and I would like to see it online.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received an updated credit report stating that the information was verified. However, I am concerned about the verification process, especially given the discrepancy with my bankruptcy filing. 
Detail how the investigation was conducted, including who you contacted at XXXX XXXX XXXX XXXX XXXXXXXX and their contact information. 
As of today, my credit report still shows the presence of a bankruptcy that has been discharged. However, the fact that it is still being reported is questionable, as I never signed or gave my authorization for this information to be published on my report. To my understanding, this information should not be present in my report. 

Bankruptcy Details : Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Closing Date : XX/XX/XXXX During my investigations, I found that this data should not be displayed on my credit report without my consent, violating 15 USC 1681g , which mandates that consumers have the right to request and obtain all information in their file. Furthermore, I question the procedures used to report this information, as courts are not permitted to provide these details for commercial purposes. The reporting of a bankruptcy indicates that the court or entity in question disclosed this information without my permission. I disputed this matter but did not receive a response from either the credit bureaus or the court, leaving me with this complaint as my only alternative to resolve the situation.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Central Service Bureau, Inc. (CA)

An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023, Id been in the process with Navy Federal of getting a Letter of XXXX XXXX that I could move forward with the sale of my vehicle. I provided all the information that the Navy Federal requested to proceed with this process and cooperated fully. I explained that I was trying to complete the sale on that day ( XX/XX/2023 ) due to the possibility of me not having time throughout the rest of the week to go through with the sale of my vehicle. I was told that the process might take some time, but the possibility of my receiving the letter on XX/XX/2023 was doable. Around XXXX XXXX, I spoke to a representative in XXXX XXXX  regarding my Letter of Guarantee to see if it would/could be processed that day. Id also explained that I was at the dealership, and they were waiting for the letter to complete the sale. I understood it couldnt be done that day, but the representative told me my Letter of Guarantee would be available that day ( XX/XX/2023 ). She told me to check my email and the Navy Federal e-message for the letter within the hour. I hung up and waited for the letter but did not receive the letter at all. On XX/XX/2023, I called back to find out what happened to see why I hadnt received the Letter of Guarantee yet. Id further explain that I might not have the same time to complete the sale if the letter was not sent promptly. I still have not received the letter at the time of this CFBP submission, and I am still waiting. I was told false information from the last representative I spoke with in XXXX XXXX  on XX/XX/2023. If this process could not be completed on that day, she should have relayed that information so that I could have done something outside the expectation that Id receive the letter that day. Im very unhappy with the customer service, deception, and inconsistency.
Consumer complaint received 2023-07-05
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. (NC)

There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.