davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

Case # XXXX I made a complaint against this company Tide Water Finance hoping that they will stop sending me monthly statement hence they see a Government agency aware of their shady practices. They have not stopped ; the monthly statements keep on coming with charges that do n't make sense. I will send you a copy of this month statement to show you what I mean. It is ambiguous, confused ; I do n't understand the reason for the charge. The account says XXXX balance ; yet there is still a {$25.00} bill due. 
I had concluded my financial obligation with them last month. Their representative on the phone assured me that if I pay my final balance with a live person instead of the machine ( computer generated assistant ) ; for {$8.00} fee, this {$73.00} balance will be my final statement. This is the third final statement I received from them. I had {$100.00} final statement before, followed by {$73.00} which was supposed to be the last. 
Now I have a new statement with XXXX balance and a {$25.00} charge that can not be explained. 
When does final means final. I do n't want to have any surprises later on if I do n't pay and receive a bill for XXXX of dollars a year or so later. Their representative on the phone before I pay {$81.00} [ {$73.00} + $ XXXX {$81.00} ] gave me a confirmation number and the assurance that my transaction with them was final.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX 2014 I applied to Bank of America to refinance all XXXX properties at the end of modification. My home payment increased significantly and it will increase several more times I have XXXX more years on my home loan. XXXX of 2014 I was told they will not refinance the loans without a reason. I would like to know why I was turned down
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

XXXX XXXX is the debit card issuer through US Bank. I contacted US Bank XX/XX/21 due to my funds being withheld. US Bank instructed me to try using my card within a hour. I waited two hours and still couldn't use my card.i called US Bank back today XX/XX/21 I was left on hold 52:13, left in cue which I took a screen shot. 
Their excuse is they have a long wait time due to questions for the stimulus. It's not right to keep using the same excuse for over two months. I have bills to pay which is causing me late fees. I'm very upset with this, " Company ''.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-14
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: ARVEST BANK GROUP, INC. (OK)

On XXXX XXXX, 2016 I bought a e-cig tank from an online merchant XXXX XXXX for {$32.00}. I used my Visa Debit card from Arvest Bank. The tank turned out to be defective. XXXX refused to take it back or issue a refund so, I contacted ( called the XXXX number ) Arvest about doing a chargeback. I then received a letter from Arvest cancelling the chargeback. No explanation was given. So, I called Arvest again and was told to return the item back to XXXX and get proof of the return ; send the info to Arvest and they would initiate a chargeback. I did that ; sent a copy of the USPS delivery confirmation AND signature of receipt to Arvest and was told that I would have my refund in 10 business days. This was on XXXX XXXX. After waiting 10 business days and seeing no refund I again called Arvest and was told it takes 30 days and that the merchant was disputing the chargeback. After waiting 30 days and still no refund, I again called Arvest and was told it takes 60 days. 

In the meantime, I contacted the Washington State Attorney General 's Office ( because XXXX is in Washington ) and they said they would see what they could do to get my money back. Yesterday, XXXX XXXX I received an email from the Attorney General 's office and XXXX told them that 1 ) my money had already been removed from their account as of XXXX XXXX, 2016 ; 2 ) Arvest told them in the chargeback paperwork that they were not going to refund my money and 3 ) they were not disputing the chargeback. 

So, once again I called Arvest and the girl who answered the phone said she would look into it and then the phone line went dead & I had a dial tone. So I called back and was told that she was on another line and would call me back. Well, obviously that never happened. 

I just want my {$32.00} back at this point. 

I am # 1 ) sick and tired of having to call the XXXX number and NEVER getting to actually speak to anyone in the dispute department. I am not even sure at this point that there is a dispute department. They do not speak to me on the phone ; they do not return my phone calls ; nor do they answer my letters. I even complained by letter to Arvest 's customer service and no reply from them either. # 2 ) I am tired of being told a different story every time I call and ask about this dispute.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I called the collection agency and this debt was not able to verified accurately. They will not able to verify this debt. When I moved out I had no balance and I would like this debt removed from my credit report.
Consumer complaint received 2015-06-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine
Consumer complaint received 2015-10-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I have been a member of Pentagon Federal Credit Union XX/XX/XXXX. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. XX/XX/XXXX I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being XXXX. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a XXXX balance.
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MRS BPO, LLC (NM)

In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

Using a modification plan we complied with all they asked for & were told we would receive help. Big deal. We received a modification congratulations that we had complied & our modification gave us the same XXXX high ) interest rate & a {$20.00} per month payment reduction. We have been trying hard to save our home until we can sell as we have a lot of equity.
Consumer complaint received 2015-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

My husband walked out on my for my next door neighbor so we short sale the house. My first mortgage company was wonderful and they offered my second mortgage company XXXX. My second mortgage company said they would not except any offers that I had to pay in full. They also tried to block me from getting money for moving. I closed on the short sale in XXXX 2013. In XXXX they called and offered me a settlement for XXXX, XXXX, and XXXX. I asked why they were able to make an offer now after declining the short sale offer????
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

The CARES Act makes it illegal for a lender to make negative credit reports about a borrower for accepting mortgage assistance during COVID-19.I accepted the three months ' forbearance that Chase offered ... and the option of putting those three payments at the end of the loan as a balloon payment. I was told by one of the mortgage escalation supervisors ... XXXX XXXX ... that accepting mortgage assistance would result in Chase making negative reports to credit bureaus about me ... and also meant that I could not remove the escrow account from my loan. The negative reports are a direct violation of the CARES Act ... and since accepting the COVID-19 assistance can not be a negative ... by law ... it is also illegal for them not to let me remove the escrow account. I am a XXXX  ... and have read numerous articles that banks are making negative comments to credit agencies if a borrower even inquires about COVID-19 assistance. This must be stopped ... credit ratings must be restored ... and Chase must be punished. I have no supporting documents ... these were all discussions over the phone.
Consumer complaint received 2020-06-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a auto loan with Capital One Auto Finance that after 6 years was paid off XX/XX/XXXX. While I made payments past the due dates over the 6 year period I had never made a payment 30 days or more past the due date. I am in lending and have been for more than 30 years, I know the rules for reporting and am very aware of payment reporting requirements. My payment due date was the XXXX of the month. In XXXX I made two payments : one on XX/XX/XXXX for the XXXX payment, and the final payment on XX/XX/XXXX. I recently found out this company reported me 30 days late.. .in XX/XX/XXXX. This is a obvious error. I can not be late for XXXX if the account was paid off in XXXX. Again, I have NEVER been 30 days or more late on this account or any account. I filed a dispute with the company on XX/XX/XXXX including all supporting documentation of payments made, which they actually concurred with me. I just received a letter from them dated XX/XX/XXXX stating their reporting is accurate and no change will be made. It is impossible for me to be late the same month I paid them off, and the same month I made 2 payments. It is an obvious error that is negatively impacting my score at a time I am looking at buying a new home in the coming months. This is an egregious error on their part, and the fact they will not correct it is appalling.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

I closed my XXXX account in writing in XX/XX/XXXX because I lost my job. XXXX automatically put thru a fee for having their " premium '' account in XX/XX/XXXX. I was then charged late fees and interest on a closed account. I called in XX/XX/XXXX to confirm closing account and was verbally told all charges were credited off the account. I continued to receive late charges and fees and called both Comenity and XXXX to confirm account was closed XX/XX/XXXX and neither entity would issue credit for the premium fee, interest and late fees on the closed account. They continue to argue that I made a purchase XX/XX/XXXX, which was the " premium '' account fee. I never reopened the account so I should NOT have been charged a fee and I DID NOT make any type of purchase.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

CFPB, this is the third time I am having to submit this complaint against Ditech/Green Tree. My second attempt to file a complaint against this unethical mortgage/collection company, was verbally taken by one of your CFPB representatives. I made it specifically clear to him in XXXX of XXXX, that my second complaint was to clearly dispute Ditech/Green Tree 's unacceptable reply to my original complaint filed through you, CFPB, in XXXX of XXXX. 

The corrupt unethical business practices that Ditech/Green Tree conducted against me, as well as thousands of homeowners, has been well documented for years - subsequently with a class action lawsuit against them that was settled. I am definitely involved with the abusive, unethical business practices that they conducted against us, the homeowners. I began having issues with Ditech/Green Tree around XXXX when they purposely stopped taking my payments ( claiming never to receive them ), illegally added late fines, stopped taking my phone calls when I repeatedly filed for a home modification, repeatedly endured unethical unprofessional-ism by most of their representatives with XXXX XXXX making a completely insensitive comment regarding my XXXX father, repeated lies of not receiving my paperwork, etc. etc. All of this ... all of their unethical business practices caused me great personal damage! Aside from demanding all of the late fines they implemented to my loan, I want compensation for all of their abuse! I am owed financial compensation! Their reply to my first submitted complaint was a generic reply ; stating that they had worked with me in trying to give me a modification. Lies! They purposely conducted their unethical business practices, THAT FORCED ME TO FIGHT FOR MY HOME. They subsequently sold my loan to another mortgage/collection company - XXXX XXXX XXXX XXXX XXXX to get out from under my complaints against them! 

I want and am legally owed significant compensation for their blatant unethical business practices conducted against me - as well as all of the personal injury ( financial, health, personal issues ) factors that I had to endure. RETURN MY MONEY YOU ILLEGALLY ADDED TO MY LOAN BECAUSE YOU PRACTICED UNETHICAL BUSINESS PRACTICES! 

XXXX XXXX
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hi, This is XXXX XXXX. I am the owner of XXXX. 
6 month ago someone stole my reward check from Bank of America and deposited it to one 's own account in your bank. 
I called both bank dozen of times I could not receive my check but the copy of it. 
Bank of America called it is your responsibility to give my check back, and XXXX XXXX called Bank of America is responsible for this. 
It is not understandable that neither of bank can not solve or even help me to get my {$700.00} back. 
I understand customer, who is the thief for me, deposited my check to XXXX XXXX XXXX, but why not it is responsibility of XXXX XXXX XXXX? If it is not XXXX 's responsibility, tell me how to report to Bank of America so that Bank of America take the full responsibility and give my check back. 
I am attaching the letter that shows someone took my check and deposit to XXXX XXXX XXXX. 
Thank you. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I have worked for the same employer and have recently become XXXX and I am collecting Social Security XXXX. I have been denied loan modification on 5 occasions since XXXX 2015. The 1st because I was current with my payments and was told I needed to be 3 months behind to qualify. 2nd, after falling behind 3 months denied due to NOT being current. The 3rd denial was due to " not making trial payments on a internal modification offer. '' The modification offer was on the last XXXX pages of a booklet which instructed me to fill out firms which were already received by the mortgage company. There was no reference to any modification being included in the packet. I did not thoroughly read through the entire packet and resent the forms that I previously sent, which were the same forms the packet requested. After sending the firms, again, I followed up, and to my surprise, was told about the " modification offer ''. I went through the packet and found it on the last XXXX pages. The offer was the same interest rate and the mortgage being extended to 40 years. Although I was in financial difficulty, the offer would have saved a minimal amount of money and I felt it would only hurt my situation in the long run, knowing my XXXX. I called to discuss with my assigned rep. ( Whose name I have ), and was told I did have to accept the modification offer and by not accepting, it would allow my loan to be reviewed again for other, more helpful, modification offers. Within a week, I received a notice that I was denied for " not making the trial modification payments. '' After the 3rd denial, each time I was asked for the same documents multiple times. Each time I sent documents, through email, fax, and USPS. I have proof that all documents were received, including a documents from my account page on the mortgage company website, that states all forms required were received and the modification was being reviewed. 
I knew I was being pushed aside by the mortgage company, that for some reason was working very hard to not help me with the modification but I thought at some point they would have to make me a offer if I hung in there and kept giving them what they were asking for. After the 5th denial in 1 year and do n't know where to turn. I have a wife and XXXX children and have drained my savings and feel my hands are tied. I have always worked and provided for my family. I feel the modification were being encouraged for people in my situation, if not who would they possibly be for. 
I would greatly appreciate any help you can offer.
Consumer complaint received 2016-01-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Dear Sirs, I have been a patient of the XXXX XXXX, and i have found them to be engaged in an ongoing pattern of misleading and deceptive business practices. Prior to each and every medical procedure, I asked the medical secretary as to whether there was any copay/deductible for that procedure. The answer was the same every time .... '' nothing. Upon exiting the medical office I did not receive a statement as to what the medical insurance would be billed. I then received a bill from the billing department for {$3800.00}!!!! Eventually this was turned over to a collection agency with threats of legal action!!! This is inherently unfair and deceptive, for which the XXXX XXXX should be sanctioned, fined and reprimanded. There was, and still is NO XXXX XXXX XXXX in the patient protocol at the XXXX XXXX!!! ... ..I believe it is a basic right of any patient to know what a procedure is going to cost ... before the procedure is DONE!!!! Furthermore the XXXX XXXX could probably give an approximate guess as to medical coverage. Sincerely, XXXX XXXX XXXX e-mail : XXXXXXXXXXXX