davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I took advantage of a 0 % balance transfer offer. I have been making my monthly payments as required. I have continued to use the card for miscellaneous monthly expenses. My monthly payments have been enough to cover the minimum payment due in addition to the monthly misc. charges and a large chunk of the balance transfer. The credit card company has been charging me interest every month on the miscellaneous monthly charges. It was my understanding that my payment amount would be applied first to the monthly minimum, then to the monthly charges, and than to the balance transfer. I should not be charged interest if I am paying those monthly charges in full each month. However, The bank will not credit me those interest fees.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

On   XXXX   XXXX   XXXX   I was approved for a property tax deferral by the Oregon Department  of Revenue.   This program is for seniors and people on  XXXX  below a certain income level. Under this program, the state pays the property tax to  the county  taxing authority. The tax and interest are due to the state at the time the property is sold.    Wells Fargo Home Mortga ge is the mortgage holder on my house. My   XXXX   XXXX   payment was reduced from {$1100.00} per month to {$870.00}. At that time I was also issued a refund of {$2500.00} from  Wells Fargo  for the overpayment I had made to the escrow account. for property tax.   Since t hen Wells   Fargo has made multiple  attempts to collect property tax from me, claiming that I owe them for property tax. On   XXXX   XXXX   XXXX   I received an email  from Wells Fargo stati ng that the payment they received on   XXXX   XXXX   XXXX   for {$870.00} would not be credited to my account because they had increased my monthly payment amount by {$560.00} per month to {$1400.00} per month for my 30 year fixed rate mortgage. " ... Since we 're unable to make partial payments to the loan, we 'll hold these funds until you make the rest of your payment ... '' No changes have taken place with my property tax deferral. It is not due for renewal until the   XXXX   tax year.  Wells Fargo has  not paid property tax for  XXXX . They will not pay property tax for  XXXX .
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lustig, Glaser & Wilson, P.C. (MA)

I had a secured credit card for {$300.00}. I got behind on payments for a couple months 2 years ago XXXX XXXX XXXX closed the account and put me on a payment plan I was paying {$75.00} to {$55.00} dollars every other month than they sold it to XXXX XXXX and there aggressive Attorneys who filed a judgement against me when we only make when we only made {$42000.00} a year. The amount they are trying to collect is {$710.00} and my Credit Card was only a {$300.00} limit which I had been paying on for at least 6 months. They keep going to court and calling and harassing us my wife had major XXXX and is now having to go through another one. We have been hit hard with the loss of some of our income and we have XXXX children. My credit is now ruined because they filed a judgement against me that was an incorrect amount and extremely high. I have 2 jobs and we can not pay our mortgage we were trying to get a home modification and add me to our house as my wife no longer makes enough to be granted one and now we can not. This is the only thing on my credit.
Consumer complaint received 2017-04-21
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (NC)

Net Spend sent me a card for which I did not apply. This is an actual chipped card, with embossed numbers, and my name on the front. I was under the impression that this practice was illegal, as it made the recipients of these cards easy targets for identity theft. I have never had any contact with Net Spend, and until about  XXXX  minutes ago, when I opened some mail, was completely unaware of their existence. I am appalled that any company would be so reckless. It is negligent on their part to send out a card, to my home, that could so easily be activated by someone other than myself. Their business model is predatory and unethical. They charge consumers a ridiculous amount of fees for using their own money.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SC)

I am attempting to refinance my home and the mortgage company requested a pay-off form to be emailed to me. I called because of course this function is n't available online. When I finally spoke with a person after being hung up on by the " automated assistant '' they said it would be emailed out to me right away. I still have not received this form and it has been more then  XXXX . I tried calling back and they put me on an infinite hold after I state my name and they see I have called before. I have since lost my home loan rate and will not be able to refinance because of the inability to obtain a  ONE PA GE FORM stating the remaining balance of the loan if I paid it off to be given to the underwriter. I have worked in customer service and have never received as poor of service as I have in the past  XXXX , and not only that they COST ME MY REFINANCE. I have spent months trying to get approved and hundreds of dollars on an appraisal and thanks to  Navient I  am unable.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted transunion and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.     XXXX /  XXXX   XXXX    XX/XX/XXXX     XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

I spoke with a representative named  XXXX  from  Midland Credit Management , Inc  on  XXXX   XXXX ,   XXXX  . I requested a Validation of Debt because as a consumer it is my right. Instead of honoring my request, the " supervisor '' got on the phone and started asking questions about why I would need that information. On  XXXX   XXXX ,   XXXX  , I sent a request for a Validation of Debt letter because I was disputing the debt. That information is stated in my letter. I sent the letter certified mail with a return receipt to the address provided on the back of the collections letter where it states to direct all disputes. I received my return receipt back with the date stamped  XXXX   XXXX ,   XXXX   signed by  XXXX   XXXX . I am still receiving collection calls up to  XXXX  calls a day. Some from unknown or unlisted numbers. Also during the call on  XXXX   XXXX ,   XXXX   the supervisor stated that if she did not get this matter resolved they would have to " forward this information over to their attorneys, '' which to me is threatening when she simply could have provided information as to where I could send my  XXXX  letter. I would also like to add that when the supervisor got on the line she did not state that she was on a recorded line. I did not record the phone conversation, but the call took place on  XXXX   XXXX ,   XXXX   at  XXXX  EST.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (GA)

In  XXXX  of   XXXX  , I applied for and was approved for an  XXXX  branded credit card issues by US Bank. The promotional terms were  XXXX   XXXX   XXXX   XXXX  points after my first purchase. The terms or my satisfaction of them have never been disputed by US Bank. However, I have never received the points in my  XXXX   XXXX  Account  (  #  XXXX   ) . I have called every  six  weeks since  XXXX  to resolve this issue. I call  US  Bank and they say to call  XXXX   XXXX .  XXXX   XXXX  reports they never received the miles. US Banks tells me to wait. On my last call, I was told by US Bank that after a new statement was generated they points would transfer, as they were " pending. '' I did so and the points from the new statement did transfer, but not the  XXXX  points I was still due. Upon my most recent call, the supervisor at  US  Bank refused any responsibility for resolving the situation and made a number of spurious legal claims about the situation, and did not recognize the " pending '' issue claimed by the previous representative.  XXXX  still says they never received the miles. I have attached all the relative documents detailing the transactions and the discrepancies. It is US Bank 's responsibility to resolve the situation, not  XXXX , per the terms of the promotion agreement and my satisfaction of them.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On the XX/XX/XXXX I made a deposit of XXXX USD into an ATM machine of bank of America with the ID XXXX and only XXXX was credited to my account. 

The branch staff did n't try to help. I also called BOA 4 times and could n't submit a claim given no one was available for a period of 2 hours. 

I tried to submit a complain through their customer service department and they would n't give me a complaint number to follow up on.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on in   XXXX  . This debt is past the statue of limitations and o ver 7 years old. Equifax  did an investigation last year and did nothing. The original default date is incorrect, but it shows   XXXX  .
Consumer complaint received 2017-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VT)

My loan was in deferment because I went back to school after  XXXX . I needed to extend my deferment because the initial length was not long enough. Reason being I was enrolled in a   XXXX   XXXX   but decided to get a  XXXX    XXXX   through a program at my work. I called Navient multiple times to try and get my deferment period fixed and got little results.  XXXX  mishandled my paperwork and did not file my request. The result ended up being my deferment ending pre-maturely, the accrued interest from my deferment being applied to my loan principles then a day later my deferment started again. Essentially, they messed up my paperwork, added thousands of dollars to my loan balances and when I asked for a recording of my phone calls to them for my recorsd since it was clear they had made mistakes they at first said " Yes, we can absolutely send you copies of the calls '', then the woman went off and spoke to her  manager and to ld me if I wanted the call recordings I would need to get a subpoena from my lawyer.
Consumer complaint received 2017-04-18
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: KEYCORP (WA)

We applied for home equity loan with  Key Bank  in  XXXX  WA with branch  manager   XXXX   XXXX . Closed on loan on   XXXX   XXXX   with manager. We were offer {$110000.00} but choose to only use {$75000.00} of our equity. The next day   XXXX   XXXX   we received letter from  Key  Bank adding the condition they were going to close our credit cards. I went to the bank and spoke with Mr.  XXXX , stating we like these credit cards with   XXXX   XXXX   XXXX   and had had them since     XXXX   and we were not closing them. He said that was a condition of the loan so we followed the steps layout in documents ( see copy of cancellation and mail receipt ). Adding conditions to a contract after it was signed must be illegal.  Yesterday   XXXX   XXXX  my wife noticed a large payment on her credit card account. When I checked mine there was a {$19000.00} payment and   XXXX   XXXX   XXXX   had closed my credit card. When I went to   XXXX   XXXX   XXXX   they said I could not reopen my credit card because that product was not available anymore. Which is why we refused to close our cards. Some how my old card needs to be reinstated and remove payments to mine and my wife 's card  (  her 's was not closed ). Key bank definitely owes me sometime for wasting all this time from a customer of 30 years. Most documents are not signed as Key bank kept signed copies.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation (NJ)

Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX. When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
Consumer complaint received 2018-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent to me.
Consumer complaint received 2017-04-19
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Altisource Portfolio Solutions, S.à r.l. (AZ)

XXXX  repossessed my car without notification ... I wa s 30 mile s from home on a cane, in a handicapped spot with handicapped plates. I was very late getting home ... almost did n't get home.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for a loan modification due to a substantial decrease in income moving forward ( I 'm XXXX, and am on on SSA retirement ). I was paying my mortgage on time ( never missed a payment ), but it has been a struggle. I had never been delinquent on my mortgage. Nevertheless, XXXX XXXX XXXX had frozen my account online due to a " current bankruptcy ''. I admit that I had a discharged bankruptcy in XX/XX/XXXX, but it did not affect my mortgage, as I had no mortgage delinquent payments. Since then, I have been diligent about keeping my expenses within what I can afford. 

When I was denied the loan modification, the online block was lifted. I applied for an appeal, and the block was placed on my account again. Then I received a notice that my appeal was denied, and I was offered a " courtesy '' change in my loan if I paid a fee. I could not afford another month 's mortgage at this time. I called the customer service line used to ask questions about the bankruptcy statements and hold online. I had to wait 35 minutes to get a person. When I asked why they flagged this as a " bankruptcy '', the response I received was " Because as of this year, we can ''. 

Today I was able to pay my XX/XX/XXXX mortgage online by going to another site. However, the original site still has a hold for " bankruptcy '' on my account. 

I am planning to apply for a loan modification again, but would like Capital One to play by the rules and not make their own.
Consumer complaint received 2017-04-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

Ocwen stalled our modification in many, many ways over a span of 8 months leading to them building up ridiculous fees on their behalf. Stalling tactics included : lack of instructions for filling out their paperwork, lack of instruction by phone for their paperwork, when asked several times, the changing of case representatives to make it more of a hassle when you talk to someone, dragging their feet after paperwork is turned in ( months ) just to then be informed there 's an error. The list goes on!
Consumer complaint received 2018-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (VA)

This company never sent me my right to dispute and never sent me a single written communication until after I filed a complaint against them. Even after they sent that letter supposedly verifing a debt that I do not believe I owe, still no right to dispute, and they committed libel against my person by putting a collection mark on my credit without even talking to me. The law states that they must send me written communication 5 days after initial communication, I guess they figure that they could try and get around the law by never trying to contact me. Now they claim they did try to send me a letter before the one I got, so I sent them a certified letter with return receipt telling them that unless they can provide me proof of this, they will remove their info from my credit report or I will take legal action. The usps confirms this letter reached them on XXXX XXXX XXXX   2017, it was signed for but since they refused to date the return receipt, I can only assume this was read on the same day. The 30 day mark has been reached and since they no longer have enough time to remove the info from my credit, either provide me proof that a letter was received by me or I turn everything over to my lawyer who will be in contact about your violation under the FDCPA. If this complaint is not responded to, I will let my lawyer know this also. I have exhausted every attempt to try and solve this issue in a fair manner and both XXXX and XXXX have refused to do so.