davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Gulf Coast  Collections sent me a collection notice the month I contacted  XXXX   XXXX   XXXX  Hospital,  XXXX   XXXX   XXXX ,  XXXX  Florida to pay my out standing ER visi t copays.     At the same time I purchased my current credit reports from  XXXX , as well as XXXX  and  XXXX . I found that  one  payment eliminating {$75.00} worth of copays had not been reported to the credit reporting companies. A hospital bill for {$960.00} was reported as unpaid while  XXXX   XXXX   XXXX  billing department said it was completely bogus and nothing existed in my account for that amount let alone that a {$960.00} bill was in arrears.  Gulf Coast Colections in sisted It was my bill. Plus they insisted instead of the original  XXXX   ER visit s once unpai d Gulf Coast ad ded  XXXX  more, making a total of  XXXX   ER cop ays unpaid. Originally  XXXX  were unpaid. As mentioned above I had just paid  XXXX . I made a payment of {$100.00} to  Gulf Coast Collections an d told the gentlemen I was going to contact the hospital 's billing department to verify what was truly unpaid. Now my outstanding bill I owe to  XXXX   XXXX   XXXX  should be {$120.00}.     My intent was to infor m Gulf Coast C ollections of the correct amount in arrears and ask them to correct my credit reports with all the Credit Bureaus.     I call ed Gulf Coast Col lections who previously refused to remove any of the erroneous debts. This time they told me  XXXX   XXXX  took their account back fr om Gulf Coast.I I asked Gulf Coast Co llections to remove their records from all  XXXX  credit bureau reports since they are no longer handling them.  Gulf Coast Collections refused to advise the bureaus of the errors. GULF COAST COLLECTIONS   REASON FOR NOT REPORYING HONESTLY : They said I had not paid the ( erroneous ) bills so, they were sorry but they would not remove them. I told them that since they , Gulf Coast Collections,  are no longer responsible for collecting those debts, to take them off my credit reports.They said NO! They refused to even correct the errors which existed prior to their having the account removed from their business.     WE HAVE A BROKEN SYSTEM OR CRIMINALS DESTROYING OTHERS CREDIT STANDING.   WHICH IS IT?   OR IS IT BOTH?     PS. Your form has a software but in it! Social Security field cross not recognize  XXXX  digit  XXXX  if entered correctly. You have to deselect checkbox for providing your double-digit SSN to continue.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On  XXXX / XXXX / 2017 , I closed my Bank Of Ameri ca account- I tal ked to some sack of  XXXX  named  XXXX   XXXX  who refused to provide me with a written letter. I was extremely careful to change all automatic payments over to my other account and have no pending debits. Having not received a printed statement in the mail for many, many years, suddenly the usurious company, enabled by bank deregulation, has begun sending me account statements about the account I closed. The  XXXX   XXXX  did give me a sheet of paper that is labelled as my " Account Closing Summary '' and yet they suddenly are treating it as though I have an account. It 's threatening and it 's total  XXXX  and I want the  XXXX  account closed permanently. This company has stolen hundreds if not thousands of dollars from me in fees over the years and I do n't trust them to not find some reason to charge me now.  XXXX  Bank of America.
Consumer complaint received 2017-05-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd. (TX)

On Wednesday  XXXX   XXXX ,  2017 an 'un available ' number repeatedly called phone numbers belonging to myself, my daughter and my ex husband ( divorced 13 years ago ) leaving detailed messages regarding a lawsuit filed and the need to serve papers to my home and threatening to contact my employer to serve papers. When the call was answered the individual identified himself as attempting to serve " sealed legal documents '' on behalf  of my local county court office . When pressed for more information the individual indicated i had to call a different number to speak to the lawyers office who filed the complaint. The individual who called only provided his name as  XXXX  and represented himself as a legal process server f or my county. W hen pressed for a return phone number he hung up.     I called the number provided to me and the individual who answered indicated she was a mediator attempting to resolve a dispute prior to it going to court. When asked what matter they were trying to resolve they indicated they were for a " bad check '' and " attempting to defraud a financial institution '' for a debt owed to the Cash Store. Although I have used them before I am not aware of any outstanding debt and the date she said was from last year, and the last time I took a loan from them was many years ago. When I attempted to ask them to remove the numbers for my ex husband and family I was rudely told that I called them and they do n't make outbound calls. At this point I asked to speak to a supervisor. I informed the supervisor that I needed the numbers marks as do not contact and requested and address and fax number for their company to send written  requests and a cease a desist on the basis of their harassing calls. The agent told me they do n't make outbound calls and they had no address to receive mail to. She insisted the company who called me was a 3rd party and refused to give me their name and/or number.
I was never read any disclosure that this was an attempt to collect a debt either.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I received a direct mail piece  from Quicken st ating I might be able to refinance my mortgage for a rate as low as 3.625 %. I know my credit is quite good, so I applied, fully expecting to receive the advertised rate.  <P/> Upon applying, I was told that I must sign an " intent to proceed '' form before they would give me an estimate showing closing costs and rate. I read the document and saw nothing that said I could not back out after viewing the documents, so I signed and looked at the documents. They also charged my credit card {$500.00}, to be refunded upon closing.  <P/> I looked at the documents and saw that the rate they gave me was 4.25 %. I asked why the rate was so much higher than the advertised rate. I was told that I could buy down my rate with origination points, except that in Texas, closing costs were capped at 3 %, so even with A+ credit, there was NO WAY that I could get the advertised rate of 3.625 %. They should n't advertise the rate in Texas if it 's unobtainable.  <P/> At that point, I decided that I did not want to proceed and I wanted to withdraw my loan application. They said had to be notified in writing. I notified them in writing within  1 business day. Multiple phone calls and written correspondences later, YES, I STILL WANT TO WITHDRAW MY APPLICATION. They drew it out over two weeks. Finally they agree and say they will withdraw my app.  The next day, I receive a letter that THEY have denied my application because I could n't provide the necessary paperwork.  <P/> Oh, but they still charged my credit card {$500.00}. For what? No appraisal, no paperwork, nothing was done because as soon as I saw the rate I immediately STOPPED the process. After 24 days they finally refunded the {$500 .00}, MINUS {$27.00 } - a credit report fee! They charged me to pull my credit.
Consumer complaint received 2017-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Hello, yesterday I changed my quickpay  with chase and had my sister send it to my second bank account with chase .My sister sent an {$100.00} quickpay to chase, and the default account did not change .I went to  the bank and they can see it had been changed on my end in their system, but when I call the  XXXX  number they ca n't see that change and the second account I had with them is in the Negative so I could not just transfer the money .They said it is nothing they could do about it.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franks Adjustment Bureau, Inc. (WI)

I have just been informed of this co llection as of  X/XX/17 . THe co  mpany is saying that they can keep this on my credit report for 20 years. I have researched this case individually, and the amount out for collection exccedes the amount the first party originally attempted to collect.
Consumer complaint received 2017-05-31
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: Experian Information Solutions Inc. (DC)

XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ). I h ave tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.   XXXX    XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home lo ans ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my re ports ).  The credit bureaus were able to give me that information as well as date opened  in 2004. I w ould not have been  XXXX   in 2004. T his account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reas ons ans  the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
Consumer complaint received 2017-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (NC)

I purchased a lawn mower through   XXXX   on  XX/XX/XXXX  through the   XXXX   XXXX   XXXX   XXXX   program. Put down the deposit needed and was never provided a lease agreement at all in store. I was under the assumption it was like rent to own not lease it forever and pay a arm and leg for it. When I was able to look at my lease through the   XXXX   XXXX   XXXX   XXXX   site I discovered what was explained to me paying it off in 5 months ( per the store ) then I would own it and not have to pay interest, that was wrong. On top of that it was a brand new riding lawn mower that when I got it home found rust on it, I called the store that day and had to go into the store the next day and they were suppose to have it fixed that week by a   XXXX    employee to come to the house and replace the rusted hood, I never got a call so with that I decided to return the item on  XX/XX/XXXX  when I was back in town from work. I got a signed receipt from the store showing they received it and sent   XXXX   XXXX   XXXX   XXXX   a copy of the lease, the return receipt to the store signed by a manager and sent it certified mail. They have called me no less then 5 times since returning it stating that I owe them money. I have provide to them all this information again over the phone and also the certified letter tracking number showing they got it. They called yet again today and have threatened to put this on my credit report and demanding that I go to the store and call them from there. I have talked to supervisors at this business and still getting harassed over something that was returned.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I receiv  ed a letter from Ocwen Loan Servicing LLC stating they charged me {$66.00} for inspection fees.
OCWEN   has failed to properly service my loan from the time they took over servicing from  XXXX  in  XXXX   2013 . From da  y ONE they have had problems and have failed to acknowledge the errors in a timely manner.
They have falsely applied charges to my account and have not properly adjusted the balance once the errors were reported.
I called them many times and explain to them base on my Original Note, the only time Ocwen can charge me inspection fee is if I defaulted on the loan. ( Please see attach document item 14 page 13 ). It states : 14.Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrowers default, for the purpose of protecting Lenders interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then : ( a ) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( b ) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge ( whether or not a prepayment charge is provided for under the Note ). Borrowers acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might   have arising out of such overcharge I asked them many times if I ever default on my loan? They answered no so in that case they do not have any right to charge me inspection fees.   I called  XXXX   XXXX  at  XXXX  twice and left a message.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (GA)

OnXX/XX/XXXX, I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. The summons was submitted by Plaintiff : c/o XXXX XXXX XXXX, XXXX Aldridge Pite Haan XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX. XXXX. APH File number : XXXX. This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house., XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , Attorney at Law - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX-attorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiFa fees. Included are also 4 different bills for sale for companies that are all out of business. There is also a generic cardmember agreement for XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to Aldridge Pite Haan, which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company Aldridge Pite Haan, also state they do not have any information regarding the debt. Aldridge Pite Haan filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX. I believe my case falls within claims against XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank N.A. back inXX/XX/XXXX closed 3 of my credit card accounts. ( 2 MC and 1 Visa ) account. The accounts were in good standing and had small balances due. A letter was received from the Executive Response Unit of Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Then just yesterday I received another similar letter notifying me of the closing of a fourth account, a Costco Visa card, belonging to Citibank. No reason was given for the account closings other than the bank has the right to close my accounts at any time they choose to. <P/>I contacted them in writing and I received a response repeating the same information, the bank has the right to close the account at any time. No other reason was given. The AAdantage Executive card had a {$350.00} annual fee. I requested a prorated refund of the annual fee and this was denied. All account balances were promptly paid within terms. <P/>Additionally, back in XX/XX/XXXX, Citibank closed my personal checking account, a business savings account and two business checking accounts. They refused to provide me with any reason for the account closings. These accounts had be active and open for over 15 years. All of these accounts were in good standing. My business is a reputable company, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and we have been in business since XXXX. We have never been involved in any fraudulent litigation, we are proud of the excellent business reputation we have in our industry.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I went to Experian.com to obtain my free annual credit report. I was charged {$1.00} for the credit report. I paid what I believed was {$1.00} fee. I assumed it was the current  rate for an online one tim e review of annual credit report. I used a card that I exclusively use for managing miscellaneous expenses. On,  XXXX   XXXX ,  2017 , Experia n *CreditRep______CA c harged my accou nt ( {$23.00} ) which left my account with a balance of {$0.00}. I contacted the company twice to rectify the matter. The only option they gave was cancellation of the membership that I did not sign up for. During my 2nd call, the gentleman told me by paying the {$1.00}, I was paying for a trial membership and the trial membership expired ; therefore, he can not refund the money Experian withdrew from my account and refuse t o refund despite my plea to assist.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

A {$19000.00} credit card was issued  by Fifth Third Ba nk in the name of  XXXX   XXXX   XXXX . This card was not requested by my  wife (   XXXX   XXXX   XXXX    ) and the first name is even spelled incorrectly.
<P/>
I called Fifth Third (    XXXX / XXXX /    2017 ) as soon as I saw the documentation that a card had been issued and that a change of address was processed for the card.
<P/>
Fifth Third blocked the account but now wo n't be accountable for removing the credit report info. They want me to take care of that even though Fifth Third is completely responsible for issuing the card. The credit report shows where Fifth Third made an inquiry   and then later issued a card.  <P/> I think the bank should back out the card from my credit report and not force me to get on  XXXX  numbers to credit bureaus to fix their incompetence.
Consumer complaint received 2017-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

In XX/XX/XXXX, mortgage lender PennyMac later XXXX XXXX, commenced a foreclosure action against XXXX XXXX and his wife XXXX XXXX. PennyMac claimed it served their son XXXX at their home address. The XXXX do not have a son. In XX/XX/XXXX when they entered a contract of sale, they learned of the foreclosure. The XXXX ultimately prevailed. There was no delinquency of any kind. No missing or late payments. Hazard insurance, water/sewer were in effect and timely paid. ( See attached Order ) The Court gave us permission to Close. The XXXX requested a pay-off letter. The pay-off letter includes " Foreclosure Attorney Fees of {$3400.00}, '' " Contested Litigation Attorneys ' Fees through XX/XX/XXXX {$2200.00} '' " Court Appearances {$4300.00}, '' " XXXX for an Additional Notice of Pendency, '' " Gap Continuation {$40.00} '' " Index Number {$400.00} ( note : and index no. costs {$210.00} ) '', " Notice of Pendency Filing Cost {$35.00}, '' " Amended Notice of Pendency {$35.00}, '' " Amended Notice of XXXX XXXX Recording Fee {$75.00}, '' " Additional Notice of Pendency Filing Cost {$35.00}, '' " Service of Process {$1200.00}, '' " Order of Reference filing Costs {$90.00}, '' " Request for Judicial Intervention {$95.00}, '' " Referee 's Oath ( Estimated ) {$250.00}, '' " Motion to Discontinuation Fee ( Estimated ) {$640.00} '' and Motion to Discontinue Filing ( Estimated ) {$45.00} '' for a grand total of {$13000.00}.