davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

My wife XXXX children and I live at this address for some XXXX years, all was ok until about XX/XX/XXXX when both my wife and mother got sick, mom dead my wife in ICU, XX/XX/XXXX I lost my job, I did let GMAC know all what was going on with us before this XX/XX/XXXX when they hope to give me a XXXX absence, we ask for a modification many times I am told no, ask for a hamp/mod the answer is that the lender said no, My and I are both working more than XXXX months now and we can pay a reasonable mortgage, even though the value is very much lower. The loan # XXXX ( Hard ship was Death, sick, and job Lost XXXX )
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I open a new bank account with Citibank with a cashiers check that was sent to me from XXXX because I pay them with my federal refund to file taxes. I open the account with the cashiers check of XXXX $ which was my federal refund. Citibank close my account and only spent XXXX $ the remaining balance wont be returned to me they are asking for a hold harmless cause they thought its was fraud but I called XXXX XXXX and the sbtpg and said they have talk with Citibank its not a fraud check multiple times. On XX/XX/year> was the last email I got from I Citi bank asking me to get a hold harmless from the XXXX. 
I had provided Citibank with my 1040 federal return since they ask for it my passport driver license in person and even the pay-stub where I received the cashiers check of my federal refund.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MA)

I have been dealing with TD bank issues ever since I opened my first account with them in XXXX there was something that happened that my account was breached and ever since then I have been dealing with fraudulent activity on my social. now there has been an account that has been hurting my credit for the last 7 years and they will not take it off my credit and keep selling to different collection agencies. the account does not belong to me and every time I ask them to provide documentation they don't send anything and ignore my request. it has hurt my credit so much and now I am at the point I have been trying to resolve this for years and have not gotten anywhere. I have tried multiple credit repair services and nothing has worked and no answer from TD Bank. someone just told me recently that you might be able to help me as I have given up hope on TD bank and the way they operate delivering a bunch of empty promises of getting it resolved and getting back to me when they never contact me again.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (HI)

Currently disputing information with all XXXX credit agencies, dispute is with lender and information they are reporting to the credit agencies. 

XXXX XXXX XXXX XXXX XXXX, HI XXXXLast XXXX SS # XXXX ( XXXX ) XXXXXXXXDOB : XXXX/XXXX/XXXXI would like to formally dispute the following on my credit report : XXXX XXXX Ending : XXXXOpened : XXXX/XXXX/XXXXType : Mortgage LoanLoan # XXXXProperty Address : XXXX XXXX XXXX, XXXX, NV XXXXMailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXXItems in dispute:1. Balance {$180000.00} : This is not correct. The loan balance has been paid in full effective XXXX/XXXX/XXXX. Please refer to the documents " Payoff Statement '' and " Wire Verification '' which show the amount the lender required to settle the balance on the account in the amount of {$190000.00} and the amount paid with by a wire transfer in the amount of {$190000.00} from XXXX XXXX XXXX. Please contact XXXX XXXX with XXXX XXXX XXXX for additional information regarding the transfer or payoff statement. ( XXXX ) XXXX or ( XXXX ) XXXX. 
2. Past Due Amount {$13000.00} : As mentioned above, the loan balance has been paid in full. 
3. Delinquent Payments : This information is not correct. Per an email sent to me on XXXX/XXXX/XXXX by XXXX XXXX, a Loss Mitigation Processor with Dovenmuehle Mortgage, a hold was supposed to be placed on all credit reporting activity until a decision was made regarding my request for a short sale and loan modification. I never received written or verbal notification indicating whether or not a decision was made regarding the request for a short sale. Delinquent payments were not supposed to be reported to the credit bureaus until a decision was made to accept or decline the short sale offer, after which I would then be given an opportunity to pay any delinquent payments before reporting to the credit bureaus. Since full payment of the outstanding loan balance was received prior to the lender making a decision whether or not to accept the short sale, no delinquent payments should have been reported to the credit bureaus. Please refer to the enclosed emails. 
4. Foreclosure initiated/started : This is not correct. A formal notice of default was never filed with the XXXX XXXX XXXX Office in the State of Nevada which is required to initiate any foreclosure proceedings within the State of Nevada. Please refer to the document titled " XXXX XXXX XXXX XXXX XXXX. ''
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America misappropriated 2 months of XXXX of my properties/mortgage payments when they bought Countrywide. Ultimately, with the help from an attorney, the properties came out of default, my credit was cleared, or so I thought, and this was in 2010. Now, I 'm getting ready to refinance the XXXX properties in which I finally have equity, and the exact language on my credit report shows the following language : " Status/Details : This item was updated from our processing of your dispute in XXXX 2010. '' Of course, the new lender wants this off my credit report. So I called Bank of America who told me to write a letter, which I did, requesting them to have the credit agencies delete that language. I followed up with a phone call, indicated by the person I spoke to on the phone. He told me that the address I send the letter to ( overnight mail ) does n't have any phones, so I ca n't call them to follow up in XXXX XXXX. He ( XXXX ) is located in XXXX Arizona. I asked him ; " what can I do? '' He told me ... .you got it, " send a letter to the address in XXXX XXXX XXXX '' I told him I already did, and he then proceeded to tell me they 'll have to research it, and that this could take between 28 and 30 days ; which I do n't have. 
So, my question to you is : If Bank of America is requiring I pay everything on time, which I do, did, and would continue, how come they are n't available EVER to answer my request. 
I can not tell you how incredibly frustrating this is. I hope they all go under in my life time. Sick of banks and the power they hold over small, really good consumers like me. 

Now, my question to you, what can I do? What will you do? or ... ... should I just take another XXXX and forget about it? Eagerly awaiting your answer,
Consumer complaint received 2022-09-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

I re enrolled on XX/XX/XXXX in the rate reduction program where I have 6 automatic payments come through. Which I electronically agreed to the same day. My first payment of {$430.00} was extracted on XX/XX/XXXX. I get a noticed this last week advising I am 60 days late. HOW is this possible when I have a agreement and the payment is already taken. Now I have a 60 day late payment across all 3 bureaus.
Consumer complaint received 2019-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

Approximately, XX/XX/2019 I received a wire transfer via another PayPal member. After trying to withdraw those I was told there was an " issue '' with my account and I needed to be verified. Over the course of three days I've been on hold with this company for over 4 hours with the reps telling me to " call back tomorrow ''. I've verified who I am through several transactions, account history in addition to credit report inquiries. Still, I'm told " there's something wrong ... you're going to have to call back tomorrow ''. Each day the wait to speak to a live representative gets longer and longer in addition to the {$100.00} my friend has wired me the balance is now {$96.00}. I've asked them to just close the accounts and mail the balance, again, " call back tomorrow ''. This is unacceptable ( especially for someone that's almost XXXX months behind on their mortgage due to the government shutdown. This friend was just trying to help and send what he had ... this has now turned into a nightmare ).
Consumer complaint received 2018-03-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

i sent money in XXXX yesterday through western union, but a receiver didnt get the money i sent, western union in XXXX said over sending need to change the name of the receiver..i just want to change the name of my receiver to get the money in XXXX
Consumer complaint received 2015-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: U.S. Collections West, Inc. (AZ)

I was told I was delinquent on rent and that I owed money for damages and cleaning fees from an apartment complex, XXXX, which I lived in last year. On XXXX XXXX, 2015 I provided the collections company, U.S. Collection West , Inc., a receipt from every month I lived there, showing that I paid rent every month. On XXXX XXXX, 2015 I asked them to not contact me regarding that debt since it is not valid. On XXXX XXXX, 2015 I received another letter from them dated XXXX XXXX, 2015 again asking me for money which I do not owe. Additionally, they contacted an associate of mine asking for my phone number, telling her they were calling from a collections company.
Consumer complaint received 2015-04-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (TX)

I am receiving calls at my job from a company named XXXX XXXX. They have been told my HR department that I am not allowed to receive personal calls at work through my work line, but the calls and voice messages continue. They told my HR department that they were calling on behalf of Check n Go
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: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # 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 instruction.
Consumer complaint received 2016-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Back in 2004, I took a tour of the California XXXX XXXX ( now XXXX XXXX XXXX ) in XXXX XXXX and fell in love with the idea of the program that they were " selling '' me. Great set of XXXX a prestigious school alumni ... XXXX of my many future counselors told me that I would have to take a loan via XXXX XXXX and that I qualified for some Federal Loans. That being said, my private loan rates were at 18.1 % but all I cared about was going to school. The school it self was located in XXXX called the XXXX. I decided to live off campus as you could n't sleep in the dorms at night due to bum fights. None of this class received the XXXX XXXX and graduation ( which should be a special time ) we were n't given new uniforms like promised. The promise of any decent jobs was denied because of the factory making XXXX and the lack of work ethic. No one really hired a XXXX graduate. The administration was constantly changing and always new teachers. I started with a class of XXXX and graduated with XXXX of my original class of which only a handful are still in the XXXX world. Once graduating, my payments were an astonishing {$1000.00} a month of which I had to defer and put into forbearance, which created even MORE interest. I was able to have a relative co sign but the damage is done and I am paying almost {$400.00} a month and can not pay principle only and what was once XXXX XXXX is now NAVIENT and they wo n't let me pay more towards loan and just forward it to following month. PLEASE HELP!!!! The school also had a class action lawsuit that i sadly received the paperwork way after the fact and the payout was {$40.00} XXXX dollars. I could go on, I am just looking for a better direction because this is become a burden on my family. I own my own XXXX but my salary is minimal. Thank you!!!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX discharge filing and we signed a reaffirmation agreement XXXX XXXX. We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXXXXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NV)

I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to EOS CCA in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency XXXX XXXX XXXX opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than EOS CCA which took first ownership of the collections account to begin with. I believe that I have no knowledge of XXXX XXXX XXXX made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against XXXX XXXX XXXX
Consumer complaint received 2016-10-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Penn Credit Corporation (TX)

A debt collector, Penncredit, continues to call my home telephone number regarding a debt that I do not own. They claim the debt is for my father, who has never lived at my home. I have stated that they have the wrong phone number and they continue to call my house all throughout the day, everyday.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Forster, Garbus and Garbus (NJ)

foster garbus and garbus XXXX XXXX XXXX XXXX XXXX XXXX XXXX sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: The Law Offices of Mitchell D. Bluhm & Associates (AZ)

Mitchell D. Bluhm & Associates sent me a letter for a debt without statement of debt, letter heading is Law Offices of Mitchell D. Bluhm & Associates. They then called me every day on my cell phone representing themselves as working for a law firm by saying this is the Law Office of Mitchell D. Bluhm and Associates. This company is not a law firm and is only a collection agency. I only found out they were not a law firm when I asked for their State Bar #. I was then transferred XXXX times to have a woman named XXXX get on the phone and say that this is just the name of our company, which is not true. The company 's name is Mitchell D. Bluhm and Associates only.
Consumer complaint received 2021-01-26
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: M&T BANK CORPORATION (OH)

I contacted M & T Bank in XX/XX/XXXX regarding my credit reporting error. My mortgage loan started with M & T Bank in XX/XX/XXXX. In XX/XX/XXXXI filed bankruptcy. MTB bank has erased my payment history prior to the bankruptcy filing which is illegal. There response does not address the history they changed prior to my XX/XX/XXXXfillings. 

They are saying that my lawyers did not file a reinstatement. Please keep in mind my payments are current and they are no longer reporting this year. After consulting with my lawyer I filed a chapter XXXX and did not discharged, as i removed myself from chapter XXXX. Therefore M & T bank should 1. add my prior payment history back prior to XX/XX/XXXXbankruptcy 2. add my current payment history back
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Upon reconciling our main checking account on    XX/XX/XXXX  , it was notic ed that there was a banking error with a check. Also noticed was that our ATM checking account was being charged insufficient funds fees. The customer service representative looked back into the account and informed us that the account was being debited these fees since the inception of the account dating back to  XX/XX/XXXX . We are enrolled in the Platinum account series.   Quoted from their Personal Deposit Account Fees and Feature  s Guide : How to avoid monthly maintenance fee - Waived with a {$25000.00} monthly combined deposit and investment balance across your linked accounts.
- Certain accounts can not be linked but may be used for relationship pricing. The Monthly Maintenance Fee is waived upon request if you also have the following accounts with us or our affiliates with a {$25000.00} monthly combined balance across the Platinum Checking account and any of the following accounts : 1 ) certain out of state deposit accounts and 2 ) select investments.
Our accounts fell within these rules and none of them should not have been charged any fees.
We were asked why we did not notice this earlier to which we responded that we were of the understanding that our accounts should not be charged fees based on the above information. One of bank representatives asked us to submit a statement of hardship to help this request that nee  ded to be elevated to the Regional Manager.
On   XX/XX/XXXX   we were refunded directly to the account, {$150.00} ( six months back ) of the {  $330.00} we were charged. We were also told that this was all we would be refunded and we were " lucky to get that amount. '' We were also told that it was " your fault for not keeping up with the account ''. Truth is we were keeping up with the accounts, just not the ATM account since we only kept  a few hundred dollars  in it at any time.   Something else to note is that for the firs t two months that t he account was open, no fees were charged. The fees began to show in  XX/XX/XXXX .
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase gave me the wrong payoff on my home. I was told by Chase that my payoff included my original loan amount as well as my loan modification I had done a few years prior. I even have a letter signed from an officer at Chase stating that my payoff included XXXX. I sold my house and made {$13000.00} only to find out that I owed {$15000.00} after closing, which is the amount for modification. I had to return money and give an additional {$2500.00}. I would have not sold my home if I knew this. I was misled in believing that when I sold my home I would actually make a little money to help with my debt because the payoff was supposed to include the loan and modification. I am a recently divorced single mother of a toddler and an infant. This ordeal has cost my children their home. I have no home now and no money thanks to Chase.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Check Security Associates, LLC (OR)

My mother was called by a collection agency that is trying to contact me. She was told that if I did not get back to them that day, a warrant would be issued for my arrest. This is of course untrue, and an illegal practice. They harrased her for my contact number and caused stress to my mother who is XXXX XXXX XXXX. 

The number that called is : XXXX, and they claimed the name of their company is Warner Asset Location Services
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My dispute is over the fact that my husband and I owe to the same creditors. Payment history is the same. His FICO score is XXXX points more than mine. 
Trans Union - reporting that I owe XXXX mortgages on our house XXXX - Reporting my house is a business. 
XXXX - His FICO score is XXXX points more than mine.