davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN EXPRESS COMPANY (NJ)

I made a settlement arrangement with American Express for 24 monthly payments. I have been making these payments via phone for 12 months. I have asked repeatedly for the people I deal with ( American Express Global Collections ) to send me written confirmation of my payments and they refuse. When I press the matter, they hang up on me. When I call the general American Express customer service number, they refer me back to the American Express Global Collections number. I am getting nervous about paying such a large sum without written confirmation. I have no idea who these people are or if they are indeed working for American Express. And I have no idea if once I complete my payments, American Express will consider my debt settled. It is all very vague and sketchy, and I ca n't understand why I ca n't be sent written confirmation of my regular payments.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MD)

On XXXX XXXX, 2014 I went to a XXXX club in XXXX XXXX named XXXX. I do not remember most of the evening and believe I was drugged. My debit card and XXXX XXXX flagged transactions as suspicious from the establishment but American Express accepted {$9300.00} in charges from XXXX that evening. My monthly closing date for the month was XXXX XXXX and my statement showed a balance of {$30000.00} for a card with a credit limit of {$21000.00}. 

I contacted AMEX and disputed the charges and filed a police report online with the XXXX XXXX Police Dept. A coworker was with me that evening and says he pulled me out before most of the charges were applied to my card and timestamped e-mails from the night support this claim. XXXX AMEX says the establishment sent evidence that I am responsible for the charges but they refuse to send that to me. I asked for itemized details of what I was charged for and this was not provided. I was only given some, not all, of the receipts requested from the night in question. AMEX told me they would do nothing else until they receive a copy of a police report but no action appears to have been taken by the police from the police report I filed. I wrote them in writing to inform them of the dispute within the 60 day limit and again after their response within 10 days indicating I was refusing to pay as detailed in the membership agreement. 

I am suspicious that AMEX may be violating the law by permitting an unreasonably excessive amount of charges over my credit limit ( my limit was lowered from {$25000.00} to {$21000.00} a year or two before this incident ), by not providing evidence that I could have agreed of the transactions or any details as to what those transactions could have corresponded to.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets.
My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan.
My phone number is XXXX  thank you for any assistance good luck trying to get legitimate answers.
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OR)

I have a checking account at US Bank in XXXX, Oregon. I live only on Social Security. I am XXXX years old and I forgot to record an automatic transaction from my checking account. I was then notified that I was overdrawn. I planned to take care of it as soon as possible but the bank accumulated late fees daily for 16 days and charged me {$600.00}. They new it would n't be covered until my next Social security was deposited but still tacked on unbelievable fees.. I explained the situation at my local bank and the manager would n't relieve these charges.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XX/XX/XXXX my XXXX year old father got XXXX into renewing his lease on a Nissan Altima that was about to expire and the local Nisan dealership contacted him with a year end leasing deal on a XXXX Nissan Altima without taking into account that he was only driving XXXX miles a year. As soon as he drove the new ( the XXXX 's were already being sold ) off the lot he lost about {$2500.00} which was not accounted for in his lease. I took over his finances in XXXX as he was diagnosed with XXXX and tried to renegotiate or get out of the Lease which was for 39 months at {$410.00} per month and allowed XXXX miles. 
Nissan Motor Acceptance would not negotiate and said even if he could not drive due to his XXXX he was liable for the full amount of the lease. So we sucked it up and paid it for 39 months and turned it in with XXXX miles or XXXX % of his available mileage. The car had a small XXXX inch tear in the front bumper cover which Nissan claimed as chargeable wear and tear and they also wanted {$390.00} for a disposition fee and would not budge on both despite repeated calls and E-Mail complaints to Nissan Motor Acceptance about the charge totaling {$950.00}. After sending only XXXX statement with a due date of XXXX XXXX XXXX they sent this to a collection Agency on XXXX XXXX XXXX instead of negotiating with me a reasonable settlement based on the low miles on the vehicle. 
I would be willing to settle this for {$250.00} as my Dad is now XXXX and in an XXXX and does not have much money left.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

It started with an account ending in XXXX. In XX/XX/XXXX, I received an alert that my Amazon Store card reached a balance over {$200.00}. I immediately checked my Amazon Store Card account online to find that several purchases were made in XX/XX/XXXX that I did not make. I then contacted Synchrony Bank to report credit card fraud on my account. I received a letter on XX/XX/XXXX regarding the credit card fraud and that my card ( XXXX ) was cancelled and a new card would be issued. On XX/XX/XXXX I received a letter that the balance at that time of {$170.00} has been transferred to the new card ending in XXXX. On XX/XX/XXXX, I received a letter from Synchrony that my fraud claim has been approved. 

In the letter of XX/XX/XXXX, it stated that my claim may take up to 60 days to be resolved. It is now XX/XX/XXXX, and I am still being harassed with telephone calls and letters that I am delinquent on my account. Also late fees and interest has been added. I have made numerous calls to the Synchrony 's Fraud Solutions Team ( XXXX ) since this problem arose in XX/XX/XXXX without any resolution.
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Hi, My name if XXXX and I reside at XXXX MD. XXXX.I applied for a mortgage modification Loan with Ocwen Loan Servicing in XX/XX/XXXX. During this process Ocwen has made me apply for this modification twice in the name of not receiving the proper documents they need. I have also complied email of documents with I have sent from both emails of mine. I have a list XXXX emails of documents that I have sent on more than two occasions on supposed missing documents. I believe on XX/XX/XXXX I spoke to a Supervisor not an account Manager name but a supervisor with the name XXXX who I expressed my frustration of the process to have n't sent documents over on everything more than three times times and also to make sure that I was not scheduled for foreclosure. He assured me that I i did not have a foreclosure date and that I soon as they have everything need I will not be scheduled for forcefulness until I am fully reviewed for a modification more especially since I have never applied and also have n't been fully reviewed. He made me send the documents again and he personally called me to let me know that they have everything and I will be reviewed for a modification. 
I recently received a mail from an law company advising about a foreclosure on my property. I was very upset a reached out to Ocwen. I spoke to a gentleman name XXXX with Employee ID XXXX who assured me that there was no foreclosure date set. He guaranteed me that, that should not happen. I called again days later after speaking to Ocwen representing counsel who stressed that I am scheduled for foreclosure on the XXXX of XX/XX/XXXX. I called Ocwen again and spoke to one from their Escalation team name XXXX employee number XXXX. Which again assured me that there is no foreclosure set date. H e promised to have a supervisor call me on XX/XX/XXXX, but I received no such call. It seems to me Ocwen is looking for a reason not to give me a modification and then take my house from me and my family. I will also attache the numerous email. Can you guys please hep me keep my house for me and my family. We make enough to qualify for a mortification but yet are not even getting a chance to be reviewed.I also had a prevoius complaint whith complaint number # XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

Approximately a month ago I received a call from XXXX XXXX XXXX XXXX. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. 

Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. 

He also did not verify who I was. He only asked for my name and calling my work. 

He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Dear CFPB, I will continue to submit complaints until you hear my plea 's. You hear and do nothing and I wish you would take action. I continue to be bullied and overcharged for interest by a predatory financial center. Every time I email and request help, they extend the abuse, hopping I will quit complaining and raising my voice as an oppressed consumer. But I will not, I will scream at the top of my lungs to the the rulers of the jurisdiction under which they lay. 
You, Dear CFPB, must speak up as a voice of the people and answer the cries of those without a voice, you must give the key to those shackled by the tyrannical oppressors! It is you oh great CFPB that must answer the call and respond to the injustice laid before you here today!
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

My loan was transferred from XXXX to LoanCare LLC on XX/XX/2016. XXXX auto drafted my account for the XX/XX/XXXX payment. I called LoanCare on XX/XX/2016 to make a payment. They told me to wait for the " Welcome Packet ''. A packet never arrived so I mailed a check on XX/XX/XXXX. The packet finally arrived on XX/XX/2016. I immediately set up auto draft by faxing the info they requested. The check I sent on XX/XX/2016 cleared my account on XX/XX/2016. Also on XX/XX/2016 LoanCare did a test ACH for my auto drafts. I am now receiving pre-foreclosure notices in the mail, 9 so far.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

This is the XXXX complaint I have filed on this matter, since nothing at all, was addressed with the XXXX complaint. CITI Financial is incorrectly stating that a borrower is past due. The account was brought current in XXXX 2016 with funds of {$1200.00}, and CITI acknowledged that this brought the account current and due for XXXX 2016 in their response to my previous complaint. The client has made every single payment since that date, with confirmation numbers and bank statements to prove it. Yet, the borrowers are receiving SEVERAL mailed documents stating that they are delinquent for {$930.00}! When the borrower or I try to call to discuss this, the representative will not discuss it, and will only send a complicated payment history ledger that is very hard to navigate through. This makes absolutely no sense whatsoever! They also state that the borrowers are delinquent {$170.00} for remaining past due insurance balance, yet the borrowers just received a check dated XXXX/XXXX/2016 for a refund of insurance. I am baffled at the poor customer service and incorrect servicing practices within CITI.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In  XXXX  of   XXXX   I missed a payment with  XXXX  and I continued to make on time payments for every month after that but each month they reported me as late. I have spoken to them numerous times and they refuse to correct this error. Also during the month of  XXXX    XXXX   when I was having financial trouble I applied for loan assistance, called  XXXX  to help,  a Loan modificat ion, and asked to pay more each month to catch up. All was denied. Please remove these late payments from my account as soon as possible.
Consumer complaint received 2015-04-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (FL)

This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX. 

This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay. 

Paid in an Full Amount.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

I have OCWEN Mortgage Servicing on my loan # XXXX In XX/XX/XXXX I filed for XXXX XXXX # and as XX/XX/XXXX it has finished Throughout the BK-XXXX Ocwen never sent me a statement I called a complained every month- to get confirmation on my payment Sometimes they would hold the payment more than 25 days I called a lot- Now that the Bankruptcy is discharge and finished - In XX/XX/XXXX Ocwen said I had been one month behind with another Servicing company- from that time I am now THREE MONTHS BEHIND every months its now XX/XX/XXXX- and keep making timely payment- even at a higher amount per their request- Last month I made TWO payment on for {$2800.00} the Contact Agent said to get caught up quicker send in another {$560.00} and it would make another payment as there is a Suspended Balance ( CREDIT of $ XXXX I make the Payment Collection calls every other day they can not find the payment or when I show it to them they say that is only a partial payment no a full payment That term with - XXXX ID # XXXX I can no longer get ahold of this contact XXXX- XXXX XXXX $ XXXX XXXX-/// -- -paid by wire transfer- # XXXX That pays for a Shortage?? In XX/XX/XXXX Payment- XX/XX/XXXX XXXX XXXX ID I transfer {$560.00} with XXXX on XX/XX/XXXX to The OMBUDSMAN XXXX XXXX XXXX TALK XXXX has been contacted from XX/XX/XXXX since I ( they tell me ) I am short one payment in the Bankrupted- now I am three The document 's that XXXX XXXX send to me are never the same - and the Collection Department never gets the information to stop calling me- What needs to be done is for an outside FIRM like yourself to help and assist me with Ocwen they have had the upper hand for way to long and I need some help now- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2016-06-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

I 've lived in my home since XX/XX/XXXX. That 's 20 years. I raised my son here as a single mom, post-divorce, without assistance from his father. After remarrying, and refinancing, my husband and I have both suffered job loss in our XXXX. It has not been easy competing with a younger workforce. I went back to school to obtain a degree, but we 're still in a mess. We have been on the verge of foreclosure twice, now, and Ocwen is again making us another " offer, '' after having met the terms of paying a monthly amount, on time, for several months. They are ready to offer us a modification agreement. This modification involves paying them over $ 50K to keep living here, basically, when we only owe $ XXXX. The house has not seen much maintenance or improvement since we 've had so many hardships. Its only value is that it 's in a good school district ... and I do n't want to leave my home. There is no way I will have over $ 50K to give them as a balloon payment in XX/XX/XXXX, when I 'm XXXX years old. I can make the payments, now, and I can even agree to pay their attorneys for working with me, but when the original sale price in XX/XX/XXXX was $ XXXX, and they want that much on top of what I owe, I feel a grave injustice has been perpetrated. And I 'm not the only one being served this foul plate. People are turning up in droves all over social media to protest Ocwen 's predatory practices. When is someone who can do something about this going to get involved? In 15 years, do you realize how many grandmas and grandpas are going to be homeless? Maybe Ocwen wants a write-up with our group photo in the XXXX XXXX.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability.
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Account Discovery Systems, LLC (SC)

Collection agent began conversation with ultimatum : " Unless you agree to payment terms, we will file a lawsuit and get a judgement ''. He then said, " Do you think you have a get out of jail free card or what ''? Very rude, and obnoxious on the phone. When I asked him not to call again, he immediately called back. He then called a few 3rd party friends and relatives of mine as a further ploy to annoy and intimidate me. He had my contact information, and had no right to call any 3rd party to question them.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I applied for a loan modification from Ditech Financial. They keep putting me through the ringer. They continue to ask me to send them the same paperwork over and over again. Now they are asking me to send them XXXX before they can give me a loan modification. Now DITECH is telling me that they are about to report a late payment for this month while I am in the process of the loan modification with them. I have tracking of the documentations that I sent to them. My account is XXXX ACCOUNT. I requested a copy of the recording of the sale and original contract. They never sent it because it does not exist. Ditech does not have a Bond to collect in the STATE XXXX FROM THE ADDRESS THEY ARE LOCATED XXXX.
Consumer complaint received 2022-02-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed off dispute letters to XXXX, Transunion, and XXXX on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.