davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I loss my son back in XX/XX/XXXX. I have tried working with Kohls and they just closed my account on me even after I spoke with someone on the phone and let them know what was going on. So I mailed a letter on XXXX/XXXX/2015 asking that the phone calls stop and I get up to XXXX calls a day that I can prove if needed I will get a copy of my phone bill. The number call from ( XXXX ) XXXX ( XXXX ) XXXX I know for a fact once a company has received notice not tocontact by law they can not call you by phone anymore. I 'm getting these calls everyday. I want it to stop. I know they received my letter because on XX/XX/XXXX telling me to call the XXXX number to set some type of payment plan. I feel that they have violated my rights and thinking about looking into what my rights with the federal trade commission.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NE)

The complaint has XXXX parts : 1. My reward program was frozen without any notice until i called american express. I was not be able to use any points when I needed. The loss need to be compensated. ( I have at least XXXX available points for use at that time even after point readjustment. ) 2. The sign-up bonus of my platinum card from american express was retracted some time later after program being frozen, although I got confirmed messages from XXXX representatives before - the points I earned will not be retracted. I did meet the requirement stated in the T & C - " spending XXXX within three month after opening the account ''. 
American express posted the sign-up bonus and froze the account silently after I met the spending requirement. Then after three months ( the time window for meeting the spending requirement ), they suddenly claimed that i did not meet the minimum spending and retracted the points. The reason they might give is that there was XXXX return which brings down the spending quantity. However, the return happened after the account was closed. It was legitimate and was not done deliberately.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC is refusing to accept Qualified Written Requests ( " QWR '' ) under Section 6 of RESPA. 

HSBC sent me a notice that it had transferred the administration of my loan to XXXX, and that any QWR was to be mailed to an address of XXXX. A copy of the notice is attached. 

I wrote HSBC a QWR in XXXX XXXX. I mailed it and faxed it. I also filed a complaint with the CFPB. My XXXX tax payments were in arrears, although I had paid for them through my escrow account. 

I received a letter back from HSBC in XXXX XXXX, stating that the bank got my CFPB complaint, and my fax to its service center. However, HSBC claimed it did not receive a copy of my letter to the address it specified for QWR 's ( XXXX XXXX XXXX ). That is a DIFFERENT address from the notice they had sent to me before. They discussed my issues from CFPB, but said they would " not consider [ my letter ] to be a QWR as defined in Section 6 of RESPA. '' A copy of HSBC 's letter is attached. 

I sent HSBC another QWR in XXXX XXXX, and again filed a complaint with the CFPB. My taxes had still not been paid from my escrow account, and my house was now in foreclosure. I sent the letter to the XXXX XXXX XXXX address HSBC had said it designated for QWR 's. A copy of the certified mail receipt is attached. 

Yet, I received a response letter from HSBC in XXXX XXXX, AGAIN stating that they had not gotten it at the proper address and that they would therefore " not consider it to be a QWR as defined in Section XXXX of RESPA. '' A copy of HSBC 's letter is attached. 

I want to know that my letters from XXXX XXXX and XXXX XXXX are each QWR 's. I want confirmation that the XXXX XXXX letter in particular was received by the proper unit designated to receive it. I also want an explanation why a CFPB complaint or a complaint to any HSBC service center does not get treated as a QWR under law. I do not want HSBC acting as if it can selectively ignore RESPA by denying complaints QWR status. 

Thank you.
Consumer complaint received 2015-06-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have requested for at least the last XXXX years, a detailed explanation of how Midland Credit Management arrived at the balance they allege I owe! They REFUSE to supply me with this information, yet expect me to pay almost {$3000.00} for this alleged debt. I do n't know anyone that will go to the grocery store, or XXXX, for example without getting a detailed, line by line item explanation of what they owe. This leads me to doubt the validity of the bill. If they ca n't prove it, they need to remove it!! I consider this to be inaccurate information that is being reported to the credit bureaus. I appealed this travesty to all XXXX credit bureas ; TransUnion deleted it from my files. I feel it is only fair that the other XXXX do the same immediately and permanently. The representative I spoke with earlier today actually told me that they have never received any requests from me!!! Thank goodness the conversation was recorded. I have EVERY piece of correspondence to AND from them. What a XXXX
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX account in collections since 2008 for balance of XXXX. XXXX collections provided the account number and directed me to XXXX. The XXXX XXXX XXXX representative researched the issue contacted the collections agency and provided the following diagnosis : the spelling of the my first name and Social Security Number, do not match those listed on the account. XXXX XXXX XXXX will notify the collections agency of its error and remove my information from its records.
Consumer complaint received 2015-08-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I opened a HELOC in XXXX XXXX with XXXX, in XXXX XXXX it transferred to Specialized Loan Servicing. In XXXX XXXX i decided to refinance my primary mortgage and during th information gathering phase it was found that the HELOC is not recorded in the county I live in. On approximately XXXX XXXX, XXXX I began calling Specialized Loan Servicing to ask for a copy of this document. I have called each week since asking for this document to allow refinance to proceed, each week I get another person and another story. SLS document storage company seems to be in the land of the lost and no one can call or contact them other than via internal email. I was told to submit issue via fax to expedite ( attached ). I was told that a work ticket had been opened and due to close on XXXX XXXX, XXXX, when I called on XXXX/XXXX/XXXX I was told that ticket had been closed and another opened and scheduled to close XXXX/XXXX/XXXX. No one could tell me what or why. On XXXX/XXXX/XXXX I was told that the original consumer file had been ordered on XXXX/XXXX/XXXX, exactly one working day ago. No explanation as to why it was n't ordered 5 weeks or so prior and no time frame as to when I could expect resolution. At one point I spoke with a supervisor but vague answers where the same, on XXXX/XXXX/XXXX I asked to speak with that persons supervisor and was told that the only way I could reach them is thru the first level supervisor. Oddly enough that person is out of the office for an undetermined amount of time. I have filed a complaint with Specialized Loan Servicing home office and received a letter stating they will investigate in 30 days ( attached ). Now I have missed the closing window for primary mortgage due to all of the fumbling at SLS and its costing $ XXXX per month.
Consumer complaint received 2016-08-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Had my mortgage refinanced through a modification program. Received the new payment amount and schedule and made the first, and all subsequent payments, in full and on time per contract. The company has reported the first 3 payments 120 days to all XXXX credit bureaus. I have filed several disputes with supporting documents and ALL have been denied and this company is unwilling to remove the negative marks from my credit. The payments they are claiming 120 days past due were all paid ON TIME and in the FULL amount owed. Please see all attached paperwork. I am filing in hopes that my credit report will be updated with the correct and TRUE information that I NEVER made a single late payment to this particular mortgage creditor. It is greatly and negatively affecting my credit score with false late payment information.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MO)

I am updating complaint XXXX which is currently awaiting response from company. Approx XXXX XXXX I was informed CitiMortgage took partial steps regarding my complaint & needed more time. I checked the status & nothing has been done to resolve the wrongdoings. What CitiMortgage did do was schedule another foreclosure - XXXX XXXX. 
( Foreclosure XXXX XXXX XX/XX/XXXX prompted first complaint. It was cancelled at last minute. Was not informed why ) We received letter dated XXXX XXXX CitiMortgage was pleased to share we may qualify for loan modification & will get letter outlining documents needed to determine final eligibility. The letter had been Cc 'd to Missouri State Attorney ( Submitted complaint to them as well ) We receive XXXX letters dated XXXX XXXX - possible HAMP qualification & the other letter to notify us of date of foreclosure ( the only letter we got concerning foreclosure ) Still waiting on letter about needed documents. I believe the XXXX XXXX letter was solely for the benefit of the Attorney General. I also believe CitiMortgage has no intention of resolving our issues. For years they ignored our verbal requests for explanations concerning our account. The Qualified Written Request sent XXXX XX/XX/XXXX was improperly acknowledged 1 ) Citi picked the concerns they choose to respond to & stated they found no errors. I have no idea how they determined that - guess just take their word for it. 2 ) I requested the information & sent the QWR. Citi sent their response to husband 's Chapter XXXX lawyer ( another attempted foreclosure XXXX XX/XX/XXXX & he knew nothing about the QWR ) telling him he could disclose whatever info he felt necessary. The attorney emailed us Citi 's response. & gt ; As far as I know they 've yet to fully cooperate with Attorney General or CFPB. I guess if they sell the house they wo n't have to.
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I began going through a divorce XX/XX/XXXX. After which I was unable to continue payments on my XXXX XXXX XXXX credit card. Once I was able, I began making payments to XXXX XXXX XXXX and paid the balance owed in full on XX/XX/XXXX. During this time period I received notice from XXXX Card Services that my account was delinquent. I notified them I was paying the dept to the original creditor and that it would be paid in full. At some point Asset Acceptance LLC purchased the debt as well. I wrote to Asset Acceptance and asked them to remove the information and I sent them a copy of the final payment I had sent to XXXX XXXX XXXX. In return they sent me the attached letter dated XX/XX/XXXX. I NEVER sent any payment to Asset Acceptance LLC. I have tried unsuccessfully to have this negative information removed from my credit file but they continue to report and re-date the file. They continue to knowingly report inaccurate information to the credit bureaus. Please help.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (VT)

Sears credit card : I mailed my payment in for the full amount of {$22.00}. The due date was XXXX/XXXX/16 ( a Sunday ). My payment arrived on XXXX/XXXX/16 ( a Monday ). My next bill showed a payment amount and a {$2.00} interest charge. I was confused because under late fee it said {$22.00}, but I sent in my {$22.00}, so I sent in the {$2.00} thinking that was because I was one day late. The next bill came and now it said I owed {$48.00}. I could n't imagine how so my daughter looked into it and we realized that they said I was late ( even though on this site it says that it should not be late if the mail is n't delivered on due date, and the payment arrives the next day ) AND that they had charged me a late fee of XXXX % of my due amount ( {$22.00} ) which was not only outrageous but confusing. So I called the account question phone number and they would n't do anything. In fact they tried to tell me that if the due date is Sunday I have to have it mailed there by Saturday. I have filed a complaint with them but am worried that they will continue to add charges OR if I pay it, they will not eventually reimburse me. Also, I ca n't imagine why their computers do not adjust for the due date on Sunday event where payments received by mail on the next day, Monday, should be considered on time, and therefore probably are illegally charging late fees to many people.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My son filed for bankruptcy in XX/XX/XXXX. He has the same name as my husband, althought, he is a XXXX, my husband a XXXX. Somehow, Nationstar Mortgage attached my son 's bankruptcy to our mortgage. It took us 4 months to get it off our mortgage. We just applied for a modification thru Nationstar and it was approved in XX/XX/XXXX. Our son finalized his bankruptcy paperwork in XX/XX/XXXX and once again Nationstar attached the bankruptcy to our mortgage. At this point, Nationstar has our paperwork and mortgage so screwed up since it has a bankruptcy code on it and also is supposed to be in modification mode. They put me on hold from anywhere from XXXX minutes and either do n't get back on the phone or tell me they have to email someone about the situation and check back later. They have notes on the account from when this originally happened but I assume no one ever thought to read them. Also, my son is in no way, shape or form associated with our mortgage or any other of our financial situations. Did it occur to them to check the Social Security # 's. I want the bankruptcy code taken off our mortgage and I want all the paperwork affiliated with our mortgage straightened out. This is ridiculous and very incompetent on their part and also unacceptable. I can not believe this has happened a XXXX time.
Consumer complaint received 2015-09-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On Thursday XXXX/XXXX/2015 I tried to long into my account online and was unable to access it. I contacted citbank via telephone in reference to my account. I was informed that they can not give me information via telephone I must go in person with a ID. On XXXX/XXXX/2015 on or about XXXX I went to the branch on XXXX XXXX in the XXXX. I spoke to the representative named XXXX XXXX who informed me that I must call citi bank fraud alert. He put me on the phone and left to move his car. Once on the phone with citi bank fraud unit I was verified and that representative ask to speak to XXXX who was not available. So another representative helped me, a female. She had on XXXX. The representative on the phone spoke to the bank representative and then I was informed that my account will be closed and I will get a letter in the mail. I was not offer any detail to what happen with my account what is going on .... I need some one to help me
Consumer complaint received 2017-01-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

I am a homeowner having problem receiving services from my XXXX XXXX plan that covers Systems and Appliances in my home. Coverage for this program is covered through my mortgage payment. Payment amount is {$34.00} paid monthly through my mortgage payment at Nation Star Mortgage ; I had problems with my up stair air condition unit for two years. XXXX XXXX sent several different companies to our home none of them fixed our air condition ; also, there records should indicate several telephone calls that was made to them by my wife and I covering the above conversations ; However, our air condition was never fixed and continued to leak water and damaged our ceiling, I had to pay {$1500.00} in repairs. I am having problem with my garage doors, I was informed that my doors are not covered ; only, the roller and the sensors. boxes thethe the rest of the cost is the owner responsibility. My wife and I was informed that this plan would cover most used systems and appliances in our our home. I was informed by the representative today ( XXXX/XXXX/17 ) that the contract have changed. I asked to speak to a Supervisor but my request was denied!
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

We get calls from XXXX to XXXX each day, repeatedly throughout the day, from Macy 's XXXX. They call from two different numbers, XXXX and XXXX. I usually ignore the calls but finally answered the phone one day.They claimed that I have an outstanding balance on a credit card. This was an extremely false accusation, as I explained this to the individual on the line. I was not going to give them any information related to a credit card to pay off the supposed debt. I asked that our phone number be removed from their calling list, as we are on the Do Not Call List. I also made the statement, " Operator this is the phone call. '' ( but obviously this statement does not work ), since then they seem to be calling more than before. I would like to know what can be done for these calls to stop as they are harassing and disturbing.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello, Im writing this letter because im having difficulties with my mortgage company, As of XXXX 2016 i was no longer able to afford my monthly mortgage payments due to the company that i work for is going thru some bad times and they had to cut my hours. 
i called Nationstar Mortgage and at the beginning they told me i was eligible for a HAFA Short Sale in order to avoid foreclosure, they told me to hire a realtor to place the property on the market. 
After 60 days on the market we finally received offers and were submitted to my mortgage company for approval, Nationstar told me that in order to continue they had to perform a Brokers Price Opinion which it was done a week later. After 2 weeks waiting for Nationstar Mortgage to call me back, i reach to out to them and they told me that their report came back at {$470000.00} value. 
I told them that i did n't agree to that value since there is no homes selling for {$470000.00}. Nationstar told me that i had an option to dispute the value and i had to pay for a full appraisal in order to take my dispute in consideration. 
So i paid for the appraisal out of my pocket, 10 days later Nationstar told me that my value dispute will be under review since they confirmed that the appraisal that i paid for show a value of {$340000.00}. 
Now Nationstar told me that they will reduce the price to {$440000.00} otherwise they will foreclose on my home. I believe this is not fair since the current offer that we have is {$380000.00} over {$40000.00} from the current value and Nationstar seems to have bad intentions against our home. 

Now after i called to speak to a manager and no one wanted to help me, Nation star has placed a Foreclosure Sale Date on my home set for XXXX/XXXX/16.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

A friend notified me about a XXXX point promotion for a Starwood 's XXXX credit card. I XXXX and it brought me to a page to sign up, mentioning the promotion. There was no clear indication about restrictions, and when I signed up, it never said I did not qualify for the promotion. After achieving the necessary spending, I did not receive the promotion points. I contacted XXXX and was sent a form letter denying my request with incorrect information, and with no phone number or address. I called XXXX and no one could provide me any contact information, so I now need to contact the CFPB I believe I am due XXXX points in the promotion. XXXX 's response is basically an unreachable black box, presumably to prevent customers from reaching them.
Consumer complaint received 2015-06-25
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CA)

I got 2 Pre Paid Debit Cards issued as a Reward by my Employer one for {$500.00} & Other for {$250.00}. The Cards Had an Expiry Date of XXXX. 

I did not use the cards before the expiry date and all the Funds ( {$750.00} XXXX in total - were unused and the cards expired. 

When i contacted the Issuer ( Citi Bank XXXX to ask about re-issuing the cards for the remaining amount - after deducting the applicable Monthly Maintenance Fees ( {$3.00} Per Month as outlined in the Service Agreement ) - i am being told that, the Balance Amount Can not be returned. 

The Card Holder Agreement Does not have a forfeiture class where in it is indicated that the unused funds will be forfeited after the expiration date. 

I am shocked upon knowing that i stand to loose {$750.00} - even when i am ready to pay the monthly maintenance fees. 

Can you let me know - what options are available for me to pursue recovering the unused funds - {$750.00} - and how to get this done? 


Sorry..I was out XXXX and hence ca n't attend the call. 

I talked with my employer and to the Citibank too. But they again confirmed that I wo n't be getting my money back. 
Thanks.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA advertised a 1.49 % 24-month new auto rate. I applied and was given a rate of 3.15 %. 

After calling, I was told that I was extremely qualified and they did n't know why I did n't receive the best rate. They then gave me a different rate, which was lower, but still not the top rate. 

I was sold I had a near XXXX FICO score, great income, etc. and no one was able to tell me why I did n't qualify for the top rate. 

I believe this is a UDAP violation and needs to be investigated.